Direct bank API
Best for: Regulated PSPs and fintechs
Tradeoff: High control, longer integration
EU Instant Payments Regulation + Verification of Payee
Assess your readiness for SEPA instant payments and Verification of Payee
An operational diagnostic for PSPs, fintechs, ERP and invoicing vendors, and SMEs that need to accept, send or orchestrate instant euro transfers.
MVP diagnostic
Score critical dependencies before engaging your bank, PSP or ERP integrator.
Obligations checklist
- Receive instant euro transfers according to applicable PSP milestones.
- Send instant transfers with an experience comparable to standard SEPA transfers.
- Align fees with standard SEPA transfers where regulation requires it.
- Run sanctions screening compatible with instant processing requirements.
- Perform Verification of Payee before authorization with match, close match and no match handling.
Fees, sanctions and VoP
- Compare SCT and SCT Inst pricing by customer segment.
- Document non-compliance risks and compensating controls.
- Design VoP warning messages without blocking legitimate journeys.
- Keep proof of consent and user arbitration.
Payment API comparison
Open banking / payment initiation
Best for: ERP, invoicing and marketplaces
Tradeoff: Coverage varies by bank
Aggregator PSP
Best for: SMEs and SaaS platforms
Tradeoff: Fast time-to-market, vendor dependency
Bank project template
- Scope: products, countries, bank partners, volumes and SLAs.
- Design: API flows, webhooks, reconciliation, KYC/KYB, sanctions, VoP.
- Build: bank sandbox, load testing, incident recovery, observability.
- Run: support, compliance reporting, regulatory updates and audit.