{"id":3110,"date":"2025-10-14T20:37:48","date_gmt":"2025-10-14T18:37:48","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=3110"},"modified":"2026-02-26T10:37:25","modified_gmt":"2026-02-26T09:37:25","slug":"instant-payments","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/instant-payments\/","title":{"rendered":"Instant Payments"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-what-is-an-instant-payment\">What is an Instant Payment?<\/h2>\n\n\n\n<p>An Instant Payment is a transfer that is credited to the recipient&#8217;s account within seconds. This works 24\/7, including weekends and public holidays. The payment also arrives immediately if the recipient is with a different bank. The payer can see almost immediately whether the payment has been successful.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-vimeo wp-block-embed-vimeo wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n\n<div data-component=\"oembed\" class=\"relative\" data-module=\"oembed\" data-source=\"consent_embed_vimeo\" data-type=\"video\" data-cookiebot=\"1\" data-disable-notice=\"1\">\n\t\t<a\n\t\thref=\"#embed-skip-69e60e90a1df9\"\n\t\tdata-component=\"skip-link\"\n\t\tclass=\"text-lg underline sr-only focus:not-sr-only focus:absolute focus:p-4 focus:z-50 bg-neutral-50 hover:no-underline border-neutral-800 text-neutral-800\"\n\t>\n\t\tSkip enclosed content from Vimeo\n\t<\/a>\n\t<div data-oembed=\"content\">\n\t\t<div data-oembed=\"placeholder\" class=\"p-8 text-center bg-neutral-200\">\n\t\t\t<p class=\"max-w-lg mx-auto mb-7\" id=\"embed-cookie-69e60e90a1df7\">This content is available after accepting the marketing cookies.<\/p>\n\t\t\t<div class=\"flex flex-wrap justify-center gap-2\">\n\t\t\t\t\n\n\n\n<button\n\tdata-variant=\"secondary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-amber-400 rounded-full bg-amber-400 text-neutral-900 underline-fade-in hocus:bg-transparent hocus:border-indigo-600 hocus:text-indigo-600 js-consent-button\"\n\n\t\t\ttype=\"button\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\taria-describedby=\"embed-cookie-69e60e90a1df7\"\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tChange cookie settings\n\n\t\t\t\t\t<\/span>\n\t\n\t<\/button>\n\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 rounded-full bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;vimeo.com&#x2F;300447308\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tView on Vimeo\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\"transition-transform group-hover:translate-x-2 group-focus-visible:translate-x-2 flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M21.3105 10.9395L21.4141 11.0537C21.8942 11.6429 21.8596 12.5115 21.3105 13.0605L13.5 20.8711L11.3789 18.75L16.6289 13.5H2.25V10.5H16.6289L11.3789 5.25L13.5 3.12891L21.3105 10.9395Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t<template>\n\t\t\t\t\t<div data-component=\"oembed-video\" data-oembed=\"video\" class=\"cursor-pointer aspect-video\">\n\t\t\t<img decoding=\"async\" data-oembed=\"thumbnail\" class=\"absolute object-cover w-full h-full\" src=\"https:\/\/i.vimeocdn.com\/video\/738801466-f2c756346264afefbf27cbaf2f9b13278d9258ffe55c7158c607ee01e6f7fe3f-d_640?region=us\" alt=\"\" loading=\"lazy\">\n\t\t<div class=\"w-full h-full iframe:absolute iframe:inset-0 iframe:w-full iframe:h-full\">\n\t\t<iframe loading=\"lazy\" title=\"Wat is Instant Payments?\" data-src=\"https:\/\/player.vimeo.com\/video\/300447308?dnt=1&amp;app_id=122963\" width=\"500\" height=\"281\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write; encrypted-media; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\"><\/iframe>\n\n\t\t<div class=\"absolute transform -translate-x-1\/2 -translate-y-1\/2 top-1\/2 left-1\/2\">\n\t\t\t\t\t\t\t\t\t\n\n\n\n<button\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500 btn--js-video-play rounded-full aspect-square\"\n\n\t\t\ttype=\"button\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\taria-label=\"Play&#x20;video&#x20;Wat&#x20;is&#x20;Instant&#x20;Payments&#x3F;\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\n\t\t\t\t\t\t<span class=\" flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m2 0 17 10L2 20z\"\/><\/svg>\n\t\t<\/span>\n\n\t\t\t\n\t<\/button>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t<\/template>\n\t<div id=\"embed-skip-69e60e90a1df9\" tabindex=\"-1\" class=\"sr-only\">Embedded content from Vimeo skipped.<\/div>\n<\/div>\n\n<\/div><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">How does it work?<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Send<\/strong> \u2013 The payer makes a transfer via internet banking or mobile banking.<\/li>\n\n\n\n<li><strong>Processing<\/strong> \u2013 The bank processes the order via the <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/standards-in-payments\/sepa-implementation-guidelines\/#sct-inst\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/standards-in-payments\/sepa-implementation-guidelines\/#sct-inst\"><strong><u>SEPA Instant standard<\/u><\/strong><\/a>.<\/li>\n\n\n\n<li><strong>Receive<\/strong> \u2013 The amount is credited to the recipient&#8217;s account within a maximum of 5 seconds.<\/li>\n\n\n\n<li><strong>Available<\/strong> \u2013 The money can be used immediately, 24\/7\/365.<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/B.IP_.109-Infographic-Instant-Payments-NL-scaled.png\"><img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"1024\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/B.IP_.109-Infographic-Instant-Payments-NL-724x1024.png\" alt=\"\" class=\"wp-image-3490\" style=\"box-shadow:var(--wp--preset--shadow--deep)\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/B.IP_.109-Infographic-Instant-Payments-NL-724x1024.png 724w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/B.IP_.109-Infographic-Instant-Payments-NL-212x300.png 212w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/B.IP_.109-Infographic-Instant-Payments-NL-768x1086.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/B.IP_.109-Infographic-Instant-Payments-NL-1086x1536.png 1086w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/B.IP_.109-Infographic-Instant-Payments-NL-1448x2048.png 1448w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/B.IP_.109-Infographic-Instant-Payments-NL-scaled.png 1810w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-advantages-of-instant-payments\">Advantages of Instant Payments<\/h2>\n\n\n\n<p><strong>For consumers:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pay anytime, anywhere, including evenings and weekends.<\/li>\n\n\n\n<li>Immediate certainty that the money has been received.<\/li>\n<\/ul>\n\n\n\n<p><strong>For businesses and organizations:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Immediate receipt of payments, which improves cash flow.<\/li>\n\n\n\n<li>Less risk of late payments.<\/li>\n\n\n\n<li>Simpler administration because transactions are immediately visible.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Instant Payments in the Netherlands<\/h2>\n\n\n\n<p>The Netherlands was at the forefront of the development of Instant Payments in Europe. In 2019, the largest banks jointly introduced this payment method. It is now the standard for almost all individual transfers within the Netherlands.<\/p>\n\n\n\n<p>Features of the Dutch specifications:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Maximum processing time: 5 seconds.<\/li>\n\n\n\n<li>No limit on the transaction amount.<\/li>\n\n\n\n<li>24\/7 availability.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-instant-payments-in-europe\">Instant Payments in Europe<\/h2>\n\n\n\n<p>Instant Payments are part of <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/market-infrastructure\/sepa-network\/\" type=\"btv_wiki\" id=\"3105\"><strong><u>SEPA<\/u><\/strong><\/a>. More and more European banks are joining, making direct transfers possible across borders. Since April 2024, the <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/european-legislation\/instant-payments-regulation\/\" type=\"btv_wiki\" id=\"3026\"><strong><u>Instant Payments Regulation<\/u><\/strong><\/a> (IPR) has required European banks to offer Instant Payments under the same conditions as regular SEPA transfers.<br><\/p>\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"outline\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] bg-transparent rounded-full border-2 border-base-500 text-base-500 underline-fade-in hocus:bg-base-500 hocus:border-base-500 hocus:text-white\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.ecb.europa.eu&#x2F;paym&#x2F;integration&#x2F;retail&#x2F;instant_payments&#x2F;html&#x2F;index.en.html\"\n\t\n\t\t\ttarget=\"_blank\" rel=\"noopener\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tRead more on the European Central Bank website\n\n\t\t\t\t\t\t\t<span class=\"sr-only\">Opent in een nieuw venster<\/span>\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\"transition-transform group-hover:translate-x-2 group-focus-visible:translate-x-2 flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M21.3105 10.9395L21.4141 11.0537C21.8942 11.6429 21.8596 12.5115 21.3105 13.0605L13.5 20.8711L11.3789 18.75L16.6289 13.5H2.25V10.5H16.6289L11.3789 5.25L13.5 3.12891L21.3105 10.9395Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Facts and figures<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Introduction in the Netherlands: 2019<\/li>\n\n\n\n<li>Maximum processing time: 5 seconds<\/li>\n\n\n\n<li>Availability: 24\/7\/365<\/li>\n\n\n\n<li>The standard for transfers in the Netherlands since 2023<\/li>\n\n\n\n<li>More and more European banks are joining<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>With Instant Payments, transfers between bank accounts are processed within seconds, at any time of the day. Day and night, every day of the year. In the Netherlands, this is the standard for bank payments.<\/p>\n","protected":false},"featured_media":3236,"parent":3108,"menu_order":0,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[30],"class_list":["post-3110","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-account-to-account-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Instant Payments - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"Instant Payments transfer money within 5 seconds, 24\/7. 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