There is no "SEPA 1 to 3 business days", since January 2012 SEPA payments have been legally required to arrive at the destination account by the end of the next business day and to be available to the recipient immediately.

That's Article 69 of the Payment Services Directive that you can read here:
http://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=CELEX:32007L0064:EN:NOT

Unfortunately Bitstamp are claiming that they haven't received my SEPA payment that was made on Wednesday 10th April so something appears to have gone very wrong somewhere along the line.