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The Single Euro Payments Area (SEPA) is a payment integration initiative of the European Union for simplification of bank transfers denominated in euros.As of 2020, there were 36 members in SEPA, [2] consisting of the 27 member states of the European Union, the four member states of the European Free Trade Association (Iceland, Liechtenstein, Norway and Switzerland), and the United Kingdom.
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RT1 is a pan-European instant payment system that provides the European payments industry with a pan-European infrastructure platform for real-time payments in euro under the SEPA Instant Credit Transfer scheme. Launched on 21 November 2017, the RT1 fast payment system allows commercial banks to offer fast payments through this system to their ...
The SEPA (Single Euro Payments Area) API Access Scheme initiative was launched by the ERPB (Euro Retail Payment Board), a strategic advisory body at the European Central Bank. [25] The initiative was described in two reports, the first was published on 31 May 2019, [26] and the second was published on 4 June 2021. [27]
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EBICS is used in the Single Euro Payments Area: the standard can be used as the secure communication channel to initiate SEPA Direct Debits and SEPA Credit Transfers using the Internet. SEPA concentrates on standardisation of clearing protocols in the inter-bank networks.