How can I send an SEPA Instant Credit payment?
SEPA Instant Payments are sent with the same ISO20022 format as SEPA Credit Transfers. At the moment, most banks in Europe support SEPA Instant Payments.
As of January 9th 2025, all major European banks support SEPA Instant Payments.
With most banks, once you generate the ISO20022 instruction, you have two options:
- Upload Payment File To Bank Portal
- Direct Transmission
Read more about ISO20022 here.
You can send an instant SEPA payment using iso20022.js. You can find a quickstart guide here.
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Try sending a bank transfer directly to your bank in minutes using iso20022.js, the most popular open source bank payment library.