TEHNOLOGII BANCARE | ENGLISH

SEPA Instant Credit Transfer Scheme Rulebook is Published

Autor: Bancherul.ro
2016-11-30 17:12

European Payments Council (EPC) statement:

Today is a major milestone for European payments: the EPC publishes the first rulebook of the SEPA Instant Credit Transfer (SCT Inst) scheme.

It will allow the transfer of initially up to 15,000 euro per single transaction in less than ten seconds, any time and any day, and in an international area that will progressively span over 34 European countries.

Credit transfers can currently take up to one day, and in some countries sometimes even more if the originators of the payment initiate their credit transfer during, for example, the weekend.

The SCT Inst scheme will therefore offer a convenient, easy, digital-oriented, and fast alternative to conventional credit transfers.

Payment Service Providers (PSPs) now have one year to get ready to process the first SCT Inst transactions in November 2017, which is the starting date of the scheme. Adherence to the scheme will be possible as of January 2017 (information will be made available on the EPC website). As the scheme is optional, its success will depend on the number of PSPs which will adhere to it, at least as receivers of SCT Inst transactions.

To answer the urgent need for a pan-European instant euro credit transfer scheme (several European countries were planning to launch national schemes without interoperability between them, which would have hindered the European payments’ harmonisation), the EPC managed to create the SCT Inst scheme in just one year after the recommendation expressed by the Euro Retail Payments Board. A broad spectrum of stakeholders from organisations of the whole payment chain were involved to make this scheme happen.

Source: EPC statement

Taguri: tehnologii bancare reclamatie Vodafone transferuri de bani SEPA plati in euro transfer bancar

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