EUROPE SOLUTIONS: SEPA INSTANT (INSTANT CREDIT TRANSFER)
Real-Time SEPA Payments, Delivered at Scale
Provide your customers with access to real-time euro payments across the SEPA region with Form 3’s secure, cloud native platform.
Form3 enables regulated financial institutions to connect to SEPA Instant Credit Transfer through a single API, supporting fast, efficient 24/7/365 payment processing without the complexity of direct scheme access.
WHY FORM3
Support Instant Payments Across Europe
SEPA Instant is becoming the new standard for European payments. Institutions need infrastructure that can support immediate clearing, continuous availability, and growing transaction volumes without adding operational burden.
Form3 helps financial institutions deliver more efficient payment experiences, with access models designed to support direct technical access, liquidity options, and future growth across the SEPA region.
Simplify Scheme Access
Access SEPA Instant Credit Transfer through a single API, removing the need to integrate directly with scheme infrastructure or multiple providers. SEPA Instant can be combined with SEPA Credit Transfer and SEPA Direct Debit, enabling a complete payments strategy as your business grows.
Deliver Faster Time to Value
Launch SEPA Instant capabilities more quickly by avoiding indirect access models and complex, scheme-specific integrations.
Lower Cost of Ownership
Eliminate the need to build and maintain in-house payments infrastructure, reducing operational cost, risk, and engineering overhead.
Built for Resilience
Rely on multi-cloud architecture for continuous operation, maintaining payment flows even in the event of a single cloud provider outage.
SCHEME CONNECTIVITY
Connect to the Following Schemes
SEPA Instant Credit Transfer - Direct
The SEPA Instant Credit Transfer (SCT Inst) service for Direct Settling Participants is available to institutions eligible to hold a settlement account in the TARGET Instant Payment Settlement (TIPS) system.
How it works
Customers using this access model are provided with direct technical access, through our single stack API to the SEPA Instant clearing system to exchange messages as a clearing participant. Settlement takes place on the participants’ settlement account with TIPS where customers manage their own liquidity in this prefunded system.
EXPLORE YOUR REGION
