Montran promotes SEPA to death all over Europe!
Montran promotes SEPA to death all over Europe!
MONTRAN, a leading provider of payment system infrastructures, has significantly expanded its services for SEPA even payments across Europe. This decision, which was announced on April 8, 2025, follows successful implementations in several European countries, including Belgium, Germany, France, Great Britain, Bulgaria, Italy and Romania. The company aims to support commercial banks to meet the requirements of the new EU regulation on real-time payments.
The EU regulation demands from the banks in the euro zone that they can send and receive both Sepa-S-Sfort transfer from October 2025. Until July 2027, banks from non-euro countries have time to adapt accordingly. Montran extends his specialist knowledge and offers tailor -made advisory services for financial institutions to ensure that these requirements are met.
consulting services and new technologies
The advisory services of Montran include the interpretation of the SEPA instant documentation, the analysis of news flows and business rules as well as the implementation of workshop sessions and internal training. In addition, support is offered in the creation of internal test documentation that are necessary for implementation. Montran has already supported over 30 banks in the successful introduction of immediate payment projects.
The Montran Payments Gateway, which is now available throughout Europe, offers direct connections to tips as well as EBA RT1 and various national instant payment systems. The essential skills of this gateway include the support of immediate payment systems in euros and local currencies, real-time monitoring and operational dashboards as well as the processing of high transaction volumes of up to 10 million per day. In addition, flexible integration into existing core and digital banking systems enables seamless adaptation to the new requirements.
regulatory requirements and fee structure
According to Article 5a of the EU Regulation, payment service providers (PSPS) must offer their users the opportunity to send and receive immediate transfers. All payment accounts must be available 24/7 for immediate transfers. Special features apply to PSPs in non-euro countries that require approval to determine limits for immediate transfers. The receipt of the receipt is considered the moment in which the payment is received by the PSP of the payer and must be processed by the PSP within 10 seconds.
In addition, the fees for immediate transfers must not be higher than the fees for other transfers. Services that fall under Article 5c are free of charge for users. From January 9, 2025, all PSPs in euro countries and by January 9, 2027 in non-euro countries will have to meet these requirements.
In addition, payment service providers are obliged to offer the verification of the payee before a transfer is authorized. In the event of incorrect transfers, you must ensure that the amount will be reimbursed and the account is restored. These measures are part of a comprehensive framework that aims to increase the security and efficiency of payment transactions, which becomes more important the more consumers and companies are dependent on digital payment solutions.
For more information on the Instant Payments and the underlying regulation, interested parties can visit the website of the DetailsOrt Europa Quellen
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