Euro-zone payments

Unparalleled payment performance with SEPA instant payments

Enjoy expansive market reach, lower costs, and industry-leading processing speeds across the euro zone.

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Unparalleled payment performance with SEPA instant payments

Lightning-fast transaction speed with SEPA instant payments

Standard SEPA payments are a reliable choice for businesses within the euro zone, typically settling within 24 hours. However, for businesses that require real-time liquidity, our SEPA instant payments allow you to transfer funds to EUR IBAN accounts in under 10 seconds. This service operates 24/7/365, ensuring your capital moves as fast as your business.

The benefits of euro-zone payments

Smooth transactions

SEPA cross-border payments in Europe operate with the same ease as domestic ones. It is the gold standard for transactions across the euro zone, supported by the vast majority of financial institutions.

Real-time execution with SEPA instant payments

While standard credit transfers settle within one business day, SEPA instant credit transfers are cleared and settled in seconds. This immediate availability of funds allows for better cash flow management and reduces the need for short-term credit.

Simple and scalable services

To execute a SEPA payment, all you need to know is the beneficiary’s name and IBAN. Payments can be executed via Online Banking platforms, apps and API calls.

Universal European coverage

Our SEPA solutions are available in 40 European countries. This includes all EU member states and several key markets outside the European Union, such as the UK and Switzerland.

Strategic advantages for online businesses

Millions of companies utilize the speed of SEPA to maintain a competitive edge. By integrating this financial service into your operations, you can:

Reduce settlement risk: Transactions are irrevocable once completed, providing a higher level of guarantee for merchants.
Improve customer trust: Immediate payment confirmations enhance the user experience and customer retention.
Optimize costs: SEPA is often more cost-effective than card schemes or SWIFT for high-value euro transfers.

Security and compliance embedded

As a licensed financial institution, we manage the regulatory burden for you. Our built-in compliance modules handle KYC procedures, AML monitoring, and mandatory reporting to authorities. This allows you to scale without the need to build a massive internal compliance department.

Unified API integration

We recognize that every business model is unique. Our developer-first APIs are built to be flexible and modular. You can integrate SEPA instant payments along with our full suite of banking tools using a single set of APIs.

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Scale your online business across the globe with vast payment possibilities. From lightning-fast SEPA Instant and euro-zone payments to global SWIFT and cross-border transactions in more than 80 currencies – we have your business needs covered.

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SEPA instant payments FAQs

What are SEPA instant payments?

They are euro-denominated credit transfers that are processed in real-time. Unlike standard transfers, funds sent via the SEPA instant payments scheme are available to the recipient in less than 10 seconds, regardless of the time or day.

What is the maximum limit for a SEPA instant transfer?

While the theoretical limit for the scheme has been raised to nearly €1 billion, many participating banks and PSPs currently maintain a standard cap of €100,000 per transaction. We recommend checking your specific account limits for high-value transfers.

Is a SEPA instant transfer as secure as a regular transfer?

Yes. These transfers use the same high-security standards as traditional SEPA payments, including IBAN validation and strong customer authentication (SCA). In fact, the real-time nature of the transaction can reduce certain types of payment fraud.

Which countries support SEPA instant credit transfers?

The service is available across the 40 countries in the SEPA zone, provided that both the sending and receiving banks have joined the instant scheme. Adoption is mandatory for most euro area providers as of late 2025.

Are there extra fees for using a SEPA payment processing platform?

Under recent EU regulations, any charges for SEPA instant payments must not be higher than the charges for standard SEPA credit transfers. This ensures that real-time payments remain an affordable option for all businesses.