Payments
3 min read
Oct 9, 2025
SEPA Instant Payments
A Guide to Navigating Europe’s Real-Time Payments Revolution
Explore how the Instant Payments Regulation (IPR) is transforming Europe’s financial landscape, and what your business can do today to be ready for the real-time future.
As of October 9, all Eurozone banks must both receive and send instant payments, marking the start of a new phase in Europe’s financial infrastructure.
For fintechs, PSPs, and crypto businesses, this shift opens new potential. Faster settlements improve liquidity, reduce costs, and enable better customer experiences built on instant access to funds.
Achieving this, however, demands resilient infrastructure, continuous uptime, and strong compliance to maintain a balance between speed and reliability, which remains a challenging shift for many businesses.
By breaking down the essentials of the IPR and highlighting what the new regulation means for fintechs, PSPs, and crypto businesses, this guide aims to equip you with the clarity and tools to navigate change and unlock opportunity in Europe’s real-time payment era.
Who This
Guide Is For
Whether you’re a PSP expanding instant payment coverage, a fintech building real-time products, or a crypto business bridging fiat and digital assets, this guide shows why SEPA Instant is essential for modern payments and how to stay ahead as Europe moves to a 10-second standard.
Regulatory Overview:
Explore what the new Instant Payments Regulation means for PSPs, fintechs, and crypto businesses.
Operational Insights:
Understand key technical requirements such as the ten-second rule and verification protocols.
Strategic Opportunities:
Learn how to turn compliance into strategic opportunities and how Ivy enables businesses to deliver on them today.
