Guides & resources
Explore and learn more about everything about payments and how to enhance payment operations for your business.
SEPA participation
Becoming a SEPA participant
Payments are at the core of any fintech company’s offering. Whether they focus on payments themselves, lending, or investment, those companies sitting in multi-party flows of funds must manage bank payments in their products.
In Europe, it means accessing SEPA as a participant.
Bacs & FPS participation
The Guide to becoming a Bacs and FPS participant
Payments are at the core of any fintech company’s offering. Whether they focus on payments themselves, lending, or investment, those companies sitting in multi-party flows of funds must manage bank payments in their products.
In the UK, it means accessing Bacs and FPS as a participant.
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.
Payment operations
The state of European payment operations
All companies, whether they realise it or not, have some sort of payment operations workflows in place.
Payment operations are the various workflows around the cycle of money movements through a business: initiating payments, setting up approvals, tracking and attributing funds, handling payment failures and returns, reconciling transactions, safeguarding customer funds, and more.
Based on a survey of 905 finance executives in France, the UK, and Germany, this report outlines the current state of payment operations in Europe.
Instant payments
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.
Verification Of Payee
The ultimate guide to Verification Of Payee
European financial institutions must comply with Verification Of Payee (VOP) requirements by October 9, 2025. For our entire industry, VOP as a mandatory scheme is a new, still evolving concept.
Understanding its requirements, how the scheme will operate, and what steps your financial institution must take to ensure timely compliance is already a challenge.
Download our guide to learn how to choose and implement the right solution before the deadline.
Reconciliation
Local schemes
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