Guides & resources

Explore and learn more about everything about payments and how to enhance payment operations for your business.

Resources

Instant payments

SEPA Instant Credit Transfer

Instant payments in Europe in 2022 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.

Download the Guide

Download the Guide

Articles

Instant Payments

The state of cash management APIs in Europe’s top banks in 2023

Discover the background and get more details about the 21% of European banks with high API readiness, with which to build your next payment workflows. ...

Instant Payments

The State of Instant Payments in European countries

Instant payments gradually emerged around the world at the beginning of the 2000s. In Europe, they first appeared in the United Kingdom in 2008, followed by ...

Instant Payments

How instant payments will change insurance

Claims are when the true value of insurance is realised for policyholders. And 53% of them are willing to change insurance company to receive claim payments ...

Instant Payments

Moving to instant payments: the challenges faced by payment operations teams

Faster payments mean faster everything: from connectivity to approvals to fraud management. To capture the opportunities instant payment methods like SEPA I ...

Instant Payments

SEPA Instant Credit Transfer in a nutshell

Real-time payments are rapidly becoming the new payment standard for companies and consumers who no longer want to wait 2-3 days for funds to arrive into th ...

Instant Payments

The importance of EU regulation for instant payments in 2023

Since its introduction in 2017 by the European Payment Scheme, the SEPA Instant Credit Transfer has experienced many hurdles to becoming mainstream. The Eur ...

Instant Payments

The state of cash management APIs in Europe’s top banks in 2023

Discover the background and get more details about the 21% of European banks with high API readiness, with which to build your next payment workflows. ...

Instant Payments

The State of Instant Payments in European countries

Instant payments gradually emerged around the world at the beginning of the 2000s. In Europe, they first appeared in the United Kingdom in 2008, followed by ...

Instant Payments

The importance of EU regulation for instant payments in 2023

Since its introduction in 2017 by the European Payment Scheme, the SEPA Instant Credit Transfer has experienced many hurdles to becoming mainstream. The Eur ...

Instant Payments

Moving to instant payments: the challenges faced by payment operations teams

Faster payments mean faster everything: from connectivity to approvals to fraud management. To capture the opportunities instant payment methods like SEPA I ...

Instant Payments

SEPA Instant Credit Transfer in a nutshell

Real-time payments are rapidly becoming the new payment standard for companies and consumers who no longer want to wait 2-3 days for funds to arrive into th ...

Instant Payments

How instant payments will change insurance

Claims are when the true value of insurance is realised for policyholders. And 53% of them are willing to change insurance company to receive claim payments ...

See all publications

Resources

SEPA 101

The Ultimate Guide to SEPA

Accounting for 95%+ of payments in the eurozone, SEPA payments are a critical part of companies' finance operations. Download our guide to discover the inner workings of SEPA, including its history, participants, payment methods, and how latest payment innovations can accelerate how companies run their payment operations.

Download the Guide

Download the Guide

Articles

SEPA rulebook digest for 2023: what to look for

Every year, the European Payments Council (EPC) updates their SEPA payment schemes rulebooks, which are the set of rules, practices, and standards to achiev ...

The different stakeholders involved in SEPA

In this article, we outline the key organisations behind SEPA. We examine the role each organisation plays and look at how those actors involved in a SEPA p ...

R transactions for SEPA indirect participants

In addition to regular SEPA payment flows, SEPA indirect participants have access to additional payment flows. These flows are known as R-transactions. ...

SEPA, its history, and its members

Since 2008, the Single European Payments Area (SEPA) has made euro-denominated bank payments simpler and faster. In 2021, SEPA payments accounted for more t ...

The different SEPA payment schemes

The first SEPA payment scheme was introduced in 2008, called SEPA Credit Transfer. Since then, SEPA’s functionality has since expanded significantly. Today, ...

Common characteristics of a SEPA payment

SEPA payments are highly standardised, with scheme rules set by the European Payments Council (EPC). Though every SEPA scheme has unique characteristics, th ...

SEPA rulebook digest for 2023: what to look for

Every year, the European Payments Council (EPC) updates their SEPA payment schemes rulebooks, which are the set of rules, practices, and standards to achiev ...

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 ...

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 ...

Local payment schemes in the UK: CHAPS, BACS, FPS and ATP 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 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? ...

R transactions for SEPA indirect participants

In addition to regular SEPA payment flows, SEPA indirect participants have access to additional payment flows. These flows are known as R-transactions. ...

The different stakeholders involved in SEPA

In this article, we outline the key organisations behind SEPA. We examine the role each organisation plays and look at how those actors involved in a SEPA p ...

The different SEPA payment schemes

The first SEPA payment scheme was introduced in 2008, called SEPA Credit Transfer. Since then, SEPA’s functionality has since expanded significantly. Today, ...

Common characteristics of a SEPA payment

SEPA payments are highly standardised, with scheme rules set by the European Payments Council (EPC). Though every SEPA scheme has unique characteristics, th ...

SEPA, its history, and its members

Since 2008, the Single European Payments Area (SEPA) has made euro-denominated bank payments simpler and faster. In 2021, SEPA payments accounted for more t ...

See all publications

Resources

SEPA Participation

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

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

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 Participation

How Spendesk cut its payment costs by 10 using Numeral and BPCE Payment Services

As part of its growth, Spendesk had to rethink its banking infrastructure and operations to overcome critical limitations and continue to scale. ...

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. ...

Instant Payments

The state of cash management APIs in Europe’s top banks in 2023

Discover the background and get more details about the 21% of European banks with high API readiness, with which to build your next payment workflows. ...

Instant Payments

The State of Instant Payments in European countries

Instant payments gradually emerged around the world at the beginning of the 2000s. In Europe, they first appeared in the United Kingdom in 2008, followed by ...

Instant Payments

The importance of EU regulation for instant payments in 2023

Since its introduction in 2017 by the European Payment Scheme, the SEPA Instant Credit Transfer has experienced many hurdles to becoming mainstream. The Eur ...

Instant Payments

Moving to instant payments: the challenges faced by payment operations teams

Faster payments mean faster everything: from connectivity to approvals to fraud management. To capture the opportunities instant payment methods like SEPA I ...

Instant Payments

SEPA Instant Credit Transfer in a nutshell

Real-time payments are rapidly becoming the new payment standard for companies and consumers who no longer want to wait 2-3 days for funds to arrive into th ...

Instant Payments

How instant payments will change insurance

Claims are when the true value of insurance is realised for policyholders. And 53% of them are willing to change insurance company to receive claim payments ...

See all publications

NEWSLETTER

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

Thanks for subscribing!

Oops! Something went wrong while submitting the form.