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SEPA Instant Credit Transfer (Germany)

Country: Germany (DE)  |  Payment Rail: real_time_payment

RealTimePayment Market Adoption: 40%

SEPA Instant Credit Transfer is EPC's 24/7/365 real-time interbank payment infrastructure operating across all German banks.

🔄 User Payment Flow

  1. Customer selects SEPA Instant Transfer at checkout
  2. Customer logs into online banking app and approves SCT Inst transaction
  3. Funds clear within 10 seconds between German commercial banks
  4. Merchant receives instant payment confirmation callback

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API initiates SCT Inst session via acquiring gateway
  • PSP issues payment token and IBAN transfer instructions
  • PSP receives SCT Inst real-time clearing webhook notification

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Stripe🔌 Adyen