Can SEPA Instant credit transfer XML files be generated?
Yes. We generate a pain.001 with the INST category (SEPA Instant Credit Transfer, SCT Inst). Any SEPA bank with SCT Inst enabled processes it in under 10 seconds.
TL;DR
- Pick “SEPA Instant” on the final step.
- Per-operation limit: €100,000 (EU Regulation 2024/886).
- Available 24/7/365.
- Fee regulated not to exceed a standard transfer.
When to use SCT Inst?
- Urgent supplier payments outside bank hours.
- Immediate customer refunds.
- One-off payments needing instant confirmation (deed signings, deposits, etc.).
When does SCT Inst fail?
- If the beneficiary’s bank has not enabled SCT Inst, the file is rejected with
AC15. - If the amount exceeds €100,000, it must go as standard SCT.
Conclusion
For immediacy, pick SCT Inst at file generation. For multi-day volume runs, standard SCT remains cheaper.
