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SEPA Instant Payments

SEPA Instant Credit Transfer (SCT Inst), also called SEPA Instant Payment, provides for instant crediting of a payee, the delay being less than ten seconds, initially, with a maximum of twenty seconds in exceptional circumstances.

With the spread of smartphones and electronic commerce, the digitalisation of the economy entails a general acceleration of payments. Customers make internet purchases anywhere and at any time, including during evening hours, weekends and holidays – periods when most traditional electronic payments are not operational. Suppliers, on the other hand, want the certainty of being paid as soon as they sell their goods and services. The scheme fulfils these expectations.

Preberite več: SEPA Instant Payments

EPC QR Code

The European Payments Council Quick Response Code guidelines define the content of a QR code that can be used to initiate SEPA credit transfer (SCT). It contains all the necessary information in clear text. These QR code guidelines are used on many invoices and payment requests in the countries that support it (Austria, Belgium, Finland, Germany, The Netherlands) enabling tens of millions to pay without requiring manual input leading to lower error rates.

Preberite več: EPC QR Code

Open Banking

Open Banking refers to the practice of securely sharing financial data, subject to customer consent. The exchange of data between the bank and authorized third parties (such as financial institutions, fintech companies and enterprises that are not necessarily active within the financial sector at present) is enabled via so-called Application Programming Interfaces, in short "APIs".

Preberite več: Open Banking

Revolut
bunq
Google Pay
N26
TransferWise
Apple Pay
Curve
Vivid Money
Samsung Pay