# Instant SEPA payments **URL:** \ **Category:** Uncategorized\ **Created:** [April 18, 2017, 2:45pm UTC](https://bisq.community/t/instant-sepa-payments/1871 "2017-04-18T14:45:05Z")\ **Posts on this page:** 8\ **Page:** 1
**Author:** ![ManfredKarrer](https://bisq.community/user_avatar/bisq.community/manfredkarrer/32/26_2.png) [@ManfredKarrer](https://bisq.community/u/ManfredKarrer)\ **Post date:** [April 18, 2017, 2:45pm UTC](https://bisq.community/t/instant-sepa-payments/1871/1 "2017-04-18T14:45:05Z")
As Twitter user flix1 posted we should look into instant SEPA payments. Can anyone have a look into options? APIs would be great but I fear there will be some limitations we cannot fulfill… > [http://www.europeanpaymentscouncil.eu/index.cfm/sepa-instant-payments/what-are-instant-payments/?platform=hootsuite](http://www.europeanpaymentscouncil.eu/index.cfm/sepa-instant-payments/what-are-instant-payments/?platform=hootsuite) ---
**Author:** ![HostFat](https://bisq.community/user_avatar/bisq.community/hostfat/32/62_2.png) [@HostFat](https://bisq.community/u/HostFat)\ **Post date:** [April 18, 2017, 3:03pm UTC](https://bisq.community/t/instant-sepa-payments/1871/2 "2017-04-18T15:03:52Z")
I think that it is still not active [http://www.europeanpaymentscouncil.eu/index.cfm/sepa-instant-payments/sepa-instant-credit-transfer-sct-inst/](http://www.europeanpaymentscouncil.eu/index.cfm/sepa-instant-payments/sepa-instant-credit-transfer-sct-inst/) ---
**Author:** ![mepistol](https://bisq.community/user_avatar/bisq.community/mepistol/32/39_2.png) [@mepistol](https://bisq.community/u/mepistol)\ **Post date:** [April 18, 2017, 5:53pm UTC](https://bisq.community/t/instant-sepa-payments/1871/3 "2017-04-18T17:53:37Z")
It seems to be planned only: [http://www.europeanpaymentscouncil.eu/index.cfm/sepa-instant-payments/epc-work-on-instant-payments/](http://www.europeanpaymentscouncil.eu/index.cfm/sepa-instant-payments/epc-work-on-instant-payments/) ---
**Author:** ![erizo](https://bisq.community/user_avatar/bisq.community/erizo/32/742_2.png) [@erizo](https://bisq.community/u/erizo)\ **Post date:** [November 17, 2017, 9:45pm UTC](https://bisq.community/t/instant-sepa-payments/1871/4 "2017-11-17T21:45:41Z")
Start instant bank transfers in Europe! The delay of 24 H disappears. We will need to enable a new type of payment in Bisq: SEPA instantaneous, to identify the bank accounts that have this possibility. > **[List of European entities that will apply instant transfers as of November 21,...](http://en.zappingnews.net/european-entities-list-apply-instant-transfers/)** > > The Spanish entities are at the end of the PDF, pages 48 to 53. ING appears as a Dutch bank as ING Bank NV. ---
**Author:** ![ManfredKarrer](https://bisq.community/user_avatar/bisq.community/manfredkarrer/32/26_2.png) [@ManfredKarrer](https://bisq.community/u/ManfredKarrer)\ **Post date:** [November 17, 2017, 11:51pm UTC](https://bisq.community/t/instant-sepa-payments/1871/5 "2017-11-17T23:51:38Z")
Is there a list of banks which support it? What is the timeframe until all sepa banks support it (if there is any)? EDIT: Ah after checking the link. Seems most banks support is very soon. Just Germany is a year delayed. But seems the list is not containing all SEPA countries and in some countries there are just a few banks. But as soon it starts I will add a new payment method for it. Users need to know if their bank supports it or not. ---
**Author:** ![ManfredKarrer](https://bisq.community/user_avatar/bisq.community/manfredkarrer/32/26_2.png) [@ManfredKarrer](https://bisq.community/u/ManfredKarrer)\ **Post date:** [November 19, 2017, 2:01pm UTC](https://bisq.community/t/instant-sepa-payments/1871/6 "2017-11-19T14:01:21Z")
Can anyone research the SEPA instant payments options in regard for Bisq? - do they have the same mandatory fields like SEPA (iban, bic, name, country) - Is BIC needed actually? ( i think some countries/banks still need it) - Do you can send between normal SEPA and SEPA instant payment? I assume so but prob the duration is then like SEPA. - If there is a service/database for IBAN - SEPA instant payment support we could automatically check if the bank is really supporting it already. Is there such a database? - Any changes in chargeback policy in comparison to SEPA? - Anything else? As soon we have all information we can add it and make a new release. ---
**Author:** ![riclas](https://bisq.community/user_avatar/bisq.community/riclas/32/27_2.png) [@riclas](https://bisq.community/u/riclas)\ **Post date:** [November 20, 2017, 1:48am UTC](https://bisq.community/t/instant-sepa-payments/1871/7 "2017-11-20T01:48:52Z")
These instant transfers will only be available next month in 8 SEPA countries. the rest of the countries should adhere by the end of 2018. I don’t foresee any changes to the user interface in banks as far as i’ve read. All banks are also supposed to have APIs by the end of 2018. ---
**Author:** ![BtflHmstr](https://bisq.community/user_avatar/bisq.community/btflhmstr/32/729_2.png) [@BtflHmstr](https://bisq.community/u/BtflHmstr)\ **Post date:** [November 22, 2017, 8:03am UTC](https://bisq.community/t/instant-sepa-payments/1871/8 "2017-11-22T08:03:13Z")
Hey everyone, if someone wants to do the research, here’s a good starting point: SEPA INSTANT CREDIT TRANSFER (SCT INST) SCHEME RULEBOOK > **[EPC004-16%202017%20SCT%20Instant%20Rulebook%20v1.1.pdf](https://www.europeanpaymentscouncil.eu/sites/default/files/kb/file/2017-10/EPC004-16%202017%20SCT%20Instant%20Rulebook%20v1.1.pdf)** QUESTIONS & ANSWERS ON THE SEPA INSTANT CREDIT TRANSFER SCHEME: > **[EPC090-16%20v2.0\_QA\_SCT%20Inst%20scheme\_Updated%20November%202017.pdf](https://www.europeanpaymentscouncil.eu/sites/default/files/kb/file/2017-11/EPC090-16%20v2.0_QA_SCT%20Inst%20scheme_Updated%20November%202017.pdf)** EPC LIST OF SEPA SCHEME COUNTRIES: > **[EPC409-09%20EPC%20List%20of%20SEPA%20Scheme%20Countries%20v2%204%20-%20April%202016.pdf](https://www.europeanpaymentscouncil.eu/sites/default/files/KB/files/EPC409-09%20EPC%20List%20of%20SEPA%20Scheme%20Countries%20v2%204%20-%20April%202016.pdf)** Regards