Guide & ressources

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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SEPA 101

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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SEPA 101

SEPA payments by the numbers

How do SEPA payments compare to other common payment methods in the eurozone? How quickly do the newer SEPA methods progress in the area? ...

SEPA 101

SEPA messages: what they are and how they work

What kind of SEPA messages exists? What are their syntax and format? How ISO 20022 sets the standards of messages used by SEPA direct and indirect participa ...

SEPA 101

Local payment schemes in the UK: CHAPS, BACS, FPS and NPA explained

Though the United Kingdom is within SEPA, the UK relies extensively on local payment schemes because its currency - the pound sterling – is not supported by ...

SEPA 101

The main differences between SEPA Direct Debit Core and B2B

SEPA Direct Debit Core and SEPA Direct Debit B2B both enable regular payments for recurring obligations such as bills, rent, and subscriptions. Functionally ...

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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.

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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Latest publications

SEPA rulebook digest for 2023: what to look for

SEPA, its history, and its members

Common characteristics of a SEPA payment

The different SEPA payment schemes

The different stakeholders involved in SEPA

R-transactions for SEPA indirect participants

SEPA Instant Credit Transfer

SEPA payments by the numbers

SEPA messages: what they are and how they work

​​Local payment schemes in the UK: CHAPS, BACS, FPS and NPA explained

The main differences between SEPA Direct Debit Core and B2B

Browse other payment guides

Local schemes

Reconciliation

Bacs & FPS participation

Payment Operations

SEPA Participation

Instant Payments

Join our email list to receive advice, support articles and tips from payments experts.

Not sure where to start?

Local payment schemes in the UK: CHAPS, BACS, FPS and NPA explained