Guide & ressources

Local schemes

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

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The payment system in Romania: SENT and Transfond explained

As a SEPA member, Romania's banks and financial institutions can offer SEPA payments for Euro payments. However, the SEPA schemes do not support Romania's o ...

Polish payments by the numbers: Elixir, Express Elixir and BLIK payments statistics

In this article, we explore the state of the Polish payment landscape and how bank payment systems Elixir and Express Elixir compare to card and alternative ...

Payment systems in Poland: Elixir, Express Elixir and BLIK explained

As a SEPA member, Poland’s banks and financial institutions can offer SEPA payments for Euro payments. However, Poland’s official currency isn’t supported b ...

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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Reconciliation

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

Bacs and 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.

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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