Instant Payments in der EU: Was die neue Regelung ändert

Introduction

EU rules are pushing instant payments to become the default rather than a premium service.

Banks and payment providers must upgrade infrastructure and fraud controls to meet new timelines. Treasury, risk, and customer experience teams will all need to align as 24/7 settlement becomes the norm.

Key Points

• SCT Inst coverage expands to all eligible payment providers
• Verification of payee becomes a required safety check
• Pricing must align with regular credit transfers
• Fraud monitoring must operate in real time
• Implementation deadlines vary by provider type

How To

1) Assess current payment rails and instant payment readiness

Inventory current payment rails, core banking dependencies, and settlement windows. Identify gaps in 24/7 processing, liquidity management, and service-level availability.

2) Implement verification-of-payee workflows and customer UI

Implement verification-of-payee workflows that compare account names and alert users to mismatches. Design the UI so customers understand the check without introducing unnecessary friction.

3) Upgrade fraud detection for 24/7 processing

Extend fraud monitoring to real-time, always-on operations with automated holds and escalation paths. Ensure analytics models update quickly as fraud patterns shift.

4) Train operations teams on always-on settlement

Train operations teams on new settlement timing, exception handling, and weekend/holiday coverage. Define on-call rotations and incident playbooks to maintain uptime.

5) Communicate new capabilities and limits to customers

Communicate new capabilities and limits to customers, including cutoff rules and dispute processes. Provide clear FAQs to reduce support load during rollout.

Conclusion

Instant payments will reshape treasury and retail finance. Providers that modernize early can turn compliance into a competitive edge while improving customer trust.