Guide & ressources

Instant Payments

Instant payments are electronic retail payments that are processed in real time, 24 hours a day, 365 days a year, where the funds are made available immediately for use by the recipient.

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Instant Payments

Launching SEPA Instant Credit Transfer in your existing CBS architecture

We explore how banks and fintechs can implement SCT Instant without having to overhaul their CBS architecture and systems. ...

Instant Payments

The state of cash management APIs in Europe’s top banks in 2023

Discover the background and get more details about the 21% of European banks with high API readiness, with which to build your next payment workflows. ...

Instant Payments

The State of Instant Payments in European countries

Instant payments gradually emerged around the world at the beginning of the 2000s. In Europe, they first appeared in the United Kingdom in 2008, followed by ...

Instant Payments

The importance of EU regulation for instant payments in 2023

Since its introduction in 2017 by the European Payment Scheme, the SEPA Instant Credit Transfer has experienced many hurdles to becoming mainstream. The Eur ...

Instant Payments

Moving to instant payments: the challenges faced by payment operations teams

Faster payments mean faster everything: from connectivity to approvals to fraud management. To capture the opportunities instant payment methods like SEPA I ...

Instant Payments

SEPA Instant Credit Transfer in a nutshell

Real-time payments are rapidly becoming the new payment standard for companies and consumers who no longer want to wait 2-3 days for funds to arrive into th ...

SEPA Instant Credit Transfer

Instant payments in Europe are at an inflection point. The SEPA Instant Credit Transfer scheme finally has broad adoption throughout Europe and planned regulation is aiming to remove remaining frictions.

Payment operations teams are presented with a unique opportunity to build better experiences and make treasury workflows finally real-time.

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Instant Payments

How instant payments will change insurance

Claims are when the true value of insurance is realised for policyholders. And 53% of them are willing to change insurance company to receive claim payments ...

Browse other payment guides

Local schemes

Explore our series on local schemes, uncovering key numbers, message insights, and what is shaping the banking system in specific countries.

Reconciliation

In the payments, finance and accounting world, reconciliation primarily consists of comparing a company’s internal records with its bank account records.

Bacs & FPS participation

Agency banking gives direct or indirect access via an agent bank to interbank processing infrastructure for UK and European payment schemes. It enables companies to send and receive SEPA, Bacs, FPS and Swift payments on their behalf or on behalf of their customers, via their own IBANs.

Payment Operations

As the role of payments continues to increase, software emerges at the crossroads of operations, accounting, and payment systems: payment operations.

SEPA Participation

SEPA participants have direct or indirect access via a sponsor bank to interbank processing infrastructure for SEPA payment schemes. It enables them to send and receive SEPA payments on their behalf or on behalf of their customers, via their own IBANs.

SEPA 101

The Single Euro Payments Area (SEPA) simplifies bank transfers denominated in euro in 36 countries. SEPA payments are a critical part of companies' finance operations.

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