SEPA Instant
SEPA Instant Credit Transfer (SCT Inst) — 24/7 real-time euro payments up to EUR 100k per txn.
SEPA Instant is a real-time payment rail routed by KeyBS Pay. SEPA Instant Credit Transfer (SCT Inst) — 24/7 real-time euro payments up to EUR 100k per txn.
Payouts routed through SEPA Instant settle to beneficiary accounts in EU. Where SEPA Instant is available for the destination country, it is the default rail for eligible payouts.
Every SEPA Instant payout is subject to KYB, KYC and sanctions screening. Pricing is disclosed in full before approval; failed payouts return a signed webhook event with a machine-readable reason code and remain refundable per program policy.
Corridor mechanics at a glance
Every KeyBS Pay payout follows the same operational contract; only the rail changes.
How a SEPA Instant payout moves through KeyBS Pay
SEPA Instant settles in real-time on eligible EUR destinations.
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SEPA Instant by industry
SEPA Instant developer resources
Frequently asked questions
What is SEPA Instant?
SEPA Instant Credit Transfer (SCT Inst) — 24/7 real-time euro payments up to EUR 100k per txn.
How fast is SEPA Instant?
Real-time. Actual settlement time is disclosed pre-approval and confirmed by signed webhook once the beneficiary bank acknowledges the credit.
Which countries can I reach through SEPA Instant?
EU. Availability is beneficiary-bank-dependent; the router falls back to wire if the beneficiary bank is not on SEPA Instant.
What currencies are supported on SEPA Instant?
EUR is the primary settlement currency for SEPA Instant. Multi-currency corridors are supported where the rail permits.
What limits apply on SEPA Instant?
Rail-specific ceilings apply; the platform surfaces them pre-approval. Higher-value transactions are automatically routed to wire.
Is SEPA Instant available 24/7?
Real-time rails (including SEPA Instant) operate around the clock. Batch and wire rails follow the local banking window.
How do I integrate SEPA Instant?
You don’t. KeyBS Pay abstracts rail selection: submit a payout to POST /v1/payouts and the router picks the fastest eligible rail. Use "method": "auto" (default) or force a specific method where policy requires.
Is SEPA Instant regulated?
Yes. KeyBS Pay routes SEPA Instant payouts only through partners licensed for the destination corridor.
Can I get a SEPA Instant settlement report?
Yes. Per-rail, per-corridor reconciliation reports are available in the dashboard and via API export.
What happens if a SEPA Instant payout fails?
Failed payouts return a signed webhook event with a machine-readable reason code. Funds remain in the source ledger and can be re-routed or refunded.
How is pricing set for SEPA Instant?
Quote-based, disclosed in full pre-approval. No undisclosed intermediary-bank deductions on eligible local rails.
Can I use SEPA Instant for consumer payouts?
Yes, where the beneficiary and route policy permit consumer flows. Stablecoin routes are business-only.
Are there cutoffs on SEPA Instant?
Real-time rails have no cutoffs. Batch and wire rails follow local banking-day windows; cutoffs are shown at quote time.
Does SEPA Instant support idempotent retries?
Yes. Every KeyBS Pay payout carries an Idempotency-Key so retries after transient errors are safe.
Which industries use SEPA Instant most?
Marketplaces, cross-border trade, workforce and NGO programs are the largest users of SEPA Instant on the KeyBS Pay platform.
Route your first SEPA Instant payout
Rail selection is automatic — you never have to pick one manually unless program policy requires it.