SEPA Instant Credit Transfers (SCT Inst or SEPA Inst) enable real-time euro payments across the SEPA zone, allowing banks and payment service providers to send and receive funds in seconds, 24/7/365.
SEPA Inst transactions are completed within seconds, providing an instant alternative to standard SEPA Credit Transfers, which can take up to two business days.
SEPA Inst adoption continues to accelerate across Europe, as mandates take effect and customer expectations rise. Instant payments are becoming core infrastructure to support time-critical payments that demand immediate confirmation and access to funds.
Enabling Payments that Move at the Speed of Today’s Economy
Bottomline provides simple, unified connectivity to SEPA Inst, enabling institutions to support instant payments, alongside multiple domestic and global networks (such as Swift, SIC and UK Faster Payments) through a single, secure, ISO 20022 enabled platform.
Simplify messaging and connectivity with a unified platform that delivers speed to market, alongside increased efficiency, compliance, and superior service.
- Continuous, always-on SEPA Inst connectivity
- End-to-end management of the messaging lifecycle
- Faster time to market with reduced infrastructure overhead
- High performance, secure platform backed by 24/7 expert support
Whether you’re getting started or evolving your approach, Bottomline delivers scalable connectivity that removes complexity and keeps you focused on outcomes.
