Guide & ressources

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.

Latest publications

SEPA Participation

The best way to connect to CENTROlink

One bank stands out when it comes to offering SEPA indirect participation for PIs and EMIs: the Bank of Lithuania, and its service CENTROlink. ...

SEPA Participation

The challenges of customer funds safeguarding for payment and electronic money institutions

In this article, we explore more precisely what challenges can PIs and EMIs face when using the segregated account method. ...

SEPA Participation

The checklist to becoming a SEPA indirect participant

All the steps for a regulated payment institution (PI), electronic money institution (EMI) or credit institution (CI) to becoming a SEPA indirect participan ...

SEPA Participation

The benefits of getting your own BIC and IBANs as a PI / EMI

Owning their own BICs and IBANs brings various advantages for growing fintech companies, such as enhancing customers' trust and avoid IBAN discrimination. ...

SEPA Participation

Clearing systems in the SEPA zone

In this article, we explore what CSMs are and which are the main ones in SEPA, as well as what instant payments changed in the way CSMs work. ...

SEPA Participation

How Numeral supports SEPA indirect participants

We explore how solutions like Numeral help SEPA indirect participants connect to the schemes and process SEPA payments per the regulation and rulebooks. ...

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 Participation

Operating as a SEPA indirect participant

When becoming regulated as PI or EMI, fintech companies have several options to access SEPA and send and receive SEPA payments on behalf of their customers. ...

SEPA Participation

What are virtual IBANs and how do they help reconciliation

Reconciling SEPA payments, which is mandatory for accurate bookkeeping and cash management, can be challenging. Virtual IBANs are here to smooth the process ...

SEPA Participation

When should fintech companies consider becoming SEPA indirect participants?

Fintech companies consider SEPA indirect participation to expand payment processing within SEPA while maintaining control over their payment infrastructure. ...

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 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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