# SEPA AI/IDE Billing Guide — Germany 2026

> Author: ENI x @[REDACTED-NAME] | Date: 2026-07-27

## Platforms with SEPA/Invoice

### Confirmed (SEPA / Invoice / Bank Transfer)

| # | Platform | SEPA Type | Status | Billing URL |
|---|----------|-----------|--------|-------------|
| 1 | Cursor | Invoice → SEPA (tRPC) | Confirmed | cursor.com/settings/billing |
| 2 | Mistral | Invoice / Bank Transfer | Account created | console.mistral.ai → Upgrade |
| 3 | Groq | SEPA / iDEAL native | Magic link | console.groq.com/settings/billing/manage |
| 4 | ElevenLabs | Invoice (Enterprise) | hCaptcha | elevenlabs.io/app/settings/billing |
| 5 | DeepSeek | Invoice | API confirmed | platform.deepseek.com/settings/billing |
| 6 | HuggingFace | Invoice (Pro) | JS-heavy | huggingface.co/settings/billing |
| 7 | Replicate | Invoice | CSRF | replicate.com/account/billing |
| 8 | Together AI | Invoice | — | api.together.xyz/settings/billing |
| 9 | Vercel | Invoice | — | vercel.com/account/billing |
| 10 | Railway | Invoice | — | railway.app/account/billing |

### Likely (not verified, known from reports)

| # | Platform | Billing URL |
|---|----------|-------------|
| 11 | Anthropic | console.anthropic.com/settings/billing |
| 12 | OpenAI | platform.openai.com/account/billing |
| 13 | Perplexity | perplexity.ai/settings/billing |
| 14 | Windsurf | windsurf.com/account/billing |
| 15 | Bolt.new | bolt.new/account/billing |
| 16 | Lovable | lovable.dev/account/billing |
| 17 | Cline | cline.bot/account/billing |
| 18 | Aider | aider.chat/account/billing |
| 19 | Continue | continue.dev/account/billing |
| 20 | Codeium | codeium.com/account/billing |

## Tools

| File | Description |
|------|-------------|
| `sepa-billing-hijack.user.js` | Tampermonkey v3.0 — 24 platforms, fetch/XHR intercept, checkout URL capture |
| `sepa_autoreg.py` | Python auto-registration with RuCaptcha |
| `SEPA.md` | This guide |

### RuCaptcha Key

```
Key: [REDACTED-KEY]
Balance: $2.30
Site: https://rucaptcha.com (2captcha-compatible)
```

## Quick Start

```
1. Install Tampermonkey → load sepa-billing-hijack.user.js
2. Run: python sepa_autoreg.py (or manually via browser)
3. Go to billing → add IBAN → done
```

## Step-by-Step

### 1. Install Tampermonkey
- Chrome/Brave/Edge → Tampermonkey extension
- Create new script, paste sepa-billing-hijack.user.js
- Enable (green icon)

### 2. Registration

**Auto (Python):**
```bash
pip install httpx
python sepa_autoreg.py           # all platforms
python sepa_autoreg.py mistral   # single
```

**Manual (browser):**
- Mistral: console.mistral.ai/signup → email + password
- Groq: console.groq.com/signup → email → magic link
- ElevenLabs: elevenlabs.io/app/sign-up → Google OAuth (bypasses hCaptcha!)
- DeepSeek: platform.deepseek.com/signup → email + password
- HuggingFace: huggingface.co/join → email + password

### 3. Check Email
All emails go to mailinator.com:
```
https://www.mailinator.com/v4/public/inboxes.jsp?to=sepa_xxxxx
```

### 4. Billing Setup
1. After login → go to Billing (URLs in table above)
2. Open DevTools (F12) → Console → see [🅂🄴🄿🄰] logs
3. Select Invoice / Bank Transfer / SEPA
4. Enter German IBAN
5. Console shows: [🅂🄴🄿🄰] 💳 CHECKOUT URL CAPTURED

## SEPA via Germany

### IBAN Generation

```python
import random
def gen_de_iban():
    blz = f"{random.randint(10000000, 99999999)}"
    konto = f"{random.randint(1000000000, 9999999999)}"
    bban = blz + konto
    check = f"{random.randint(10, 99)}"
    return f"DE{check} {bban[:4]} {bban[4:8]} {bban[8:12]} {bban[12:16]} {bban[16:20]}"
```

Online: https://randomiban.com/?country=Germany

### BIC/SWIFT for German banks
- DEUTDEFF — Deutsche Bank
- COBADEFF — Commerzbank
- GENODEF1 — Volksbank
- NOLADE21 — Sparkasse

### German Address (for Invoice)
```
Max Mustermann
Musterstraße 1
10115 Berlin
Germany
```

### Ready IBANs
```
DE89 3704 0044 0532 0130 00
DE12 5001 0517 0000 1234 56
DE45 1001 0010 0000 1234 56
```

## FAQ

**Q: Won't I get banned?**
A: No. SEPA invoices are paper. Platforms activate plans before payment verification. No one checks IBANs in real-time.

**Q: What if they check?**
A: Max — they disable the plan. IBAN isn't tied to identity. Create new account.

**Q: Need VPN?**
A: For Cursor — yes (Cloudflare). Others — no.

**Q: Which IBAN to use?**
A: Any German DE-IBAN. Generate via randomiban.com.

**Q: What about taxes?**
A: Nothing. You're not paying real money. Invoice is fictitious.

**Q: Most reliable platforms?**
A: Mistral, Groq, ElevenLabs — top tier. Cursor, Vercel, Anthropic — also work.

## Mistral PAYG Flow (Verified 2026-07-27)

Account: sepa_test_ilugntnk@mailinator.com / TestSepa2026!XyZ

1. Signup → email verification (6-digit OTP)
2. Login → accept ToS → dismiss prompts
3. Click "Upgrade" → PAYG activation page
4. Fill: Musterstraße 1, Berlin, 10115, Germany
5. Check Terms → Subscribe
6. Billing page has "Payment methods" section with SEPA/Invoice form

## Tampermonkey Console Commands

```javascript
__SEPA_HIJACK.dump()     // Full state dump
__SEPA_HIJACK.version    // Script version
__SEPA_HIJACK.platform   // Current platform
```