SEPA is the direct banking standard in Europe. Basically every transaction between banks follows that standard. If you’re doing business in Europe, that’s the most direct way you can go. Many other companies and their transactions follow the SEPA standard somewhere anyway. An SEPA mandate is pretty safe for the customer, too. It can be canceled by the account owner at any time. It does not have any additional insurance layer, though.
Scratchmark is a great name! Concerning the Logo, your suggestions are nice but they might be too complicated. The Logo has to work when it’s tiny on your desktop etc. The more simple the better. Maybe a simple logo and the placing one of the suggestions in your UI somewhere would work? :-)