Report
The Guide to SEPA Instant Credit Transfer
Instant payments in Europe are at a pivotal moment. In 2025, the Instant Payments Regulation has turned SEPA Instant Credit Transfers from a scheme with growing adoption into a regulatory mandate across much of the EU.
For payment operations teams, this means more than compliance — it means adapting infrastructure and rethinking workflows to finally support real-time execution.
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The potential of instant payments
Discover uses cases and industries where instant payments can have a transformational impact for consumers and be a key differentiator for companies.
Instant payment at a pivotal point in Europe
Learn more about SEPA Instant Credit Transfer, from its creation to the latest European regulation proposal.
The challenges for payment operations teams
Faster payments mean faster everything, from connectivity to approvals to fraud. To unlock the benefits of SEPA instant payments, payment operations must adapt their ways of working from batch to flow.
About Mambu Payments
Mambu Payments is the gateway to SEPA for regulated financial institutions making connecting to schemes through a sponsor bank fast, easy and cost-effective. By exposing a single API across banks and payment methods, Mambu payments helps companies accelerate SEPA payments and reconciliations through real-time connectivity to banks, robust automations, and built-in controls.
Ready to navigate the new era of instant payments in Europe?
The 2025 Instant Payments Regulation makes SEPA Instant Credit Transfers mandatory. This means big changes for payment operations, from infrastructure to workflows.
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