SEPA Instant Credit Transfer
SEPA Instant Credit Transfer
SEPA Instant Credit Transfer (SCT Inst) is a payment scheme that enables customers to make and receive payments quickly. It allows payments up to a maximum value of €100,000, which can settle in as little as 10 seconds - and no more than 25 seconds. Payments can be sent at any time, including bank holidays and weekends.
You can:
- Send an SCT Inst payment
- Receive an SCT Inst payment
- Recall an SCT Inst payment (integrating with recall payments is required)
- Receive and respond to a recall request
- Simulate SCT Inst payment scenarios
You are notified of incoming SCT Inst payments via the SEPA Instant Inbound Payment Settled webhook and the Customer Accounts Transaction Completed webhook.
Sending an SCT Inst payment
To send an SCT Inst payment, use the POST /v1/payments/sepa-instant endpoint.
You will receive the SEPA Instant Outbound Payment Created webhook. Once the payment has settled, you will receive the SEPA Instant Outbound Payment Settled webhook and the Customer Accounts Transaction Completed webhook.
Cancellation reason codes
Cancelled outbound payments can return the following reason codes:
| Reason Code | Description |
|---|---|
| AC01 | Account identifier invalid or incorrect. |
| AM02 | Amount not allowed. |
| AM04 | Insufficient funds on the account. |
| CB01 | Unknown error. |
| CNOR | Creditor bank is not registered. |
| MS03 | Payment failed screening, re-send via SCT. |
Receive an SCT Inst payment
Receipt of an SCT Inst payment can be confirmed by subscribing to the SEPA Instant Inbound Payment Settled webhook.
Request an SCT Inst recall
Send a recall request
You can send SCT Inst recall requests using the POST /v1/payments/sepa-instant/{paymentId}/recall endpoint. You will receive confirmation via the SEPA Instant Recall Payment Created webhook, and a response via either the SEPA Instant Recall Payment Settled or SEPA Instant Recall Request Rejected webhooks.
Recall requests remain valid for a maximum of 15 business days. If after 15 business days the receiving party has not responded, the recall request is automatically rejected and the SEPA Instant Recall Request Rejected webhook is sent.
Recall reason codes
Recalls can be requested using the following reason codes:
| Reason | Description | Time limit to send recall request |
|---|---|---|
| DUPL | Duplicate sending | 10 business days |
| TECH | Technical problems resulting in an erroneous SCT Inst Transaction | 10 business days |
| FRAD | Fraudulent originated SCT Inst Instruction | 13 months |
| AC03 | Wrong account number in original transfer | 13 months |
| AM09 | Wrong amount in original transfer | 13 months |
| CUST | Requested by customer | 13 months |
Receive and respond to a recall request
If you receive a recall request, you will be notified via the SEPA Instant Recall Request Received webhook. You can review the details of the request by referring to the OriginalTransactionId for details of the original payment received and ReasonCode for the reason the sending party is requesting the recall (see Recall reason codes)
To respond to the recall request, use the POST /v1/payments/sepa-instant/{paymentId}/recall-response endpoint. Set the approve boolean true to accept the request or false to reject it.
Following your approval of a recall request, the amount of the original payment is ring-fenced and returned to the sending party. You can be notified of the status of the status of the return payment via the SEPA Instant Recall Payment Created webhook, SEPA Instant Recall Payment Settled webhook, and SEPA Instant Recall Payment Cancelled webhook.
Recall requests should be responded to within 15 business days. If after 15 business days you do not accept or reject the recall, ClearBank will automatically reject the request.
The following diagram outlines the process following the unlikely event that there is an issue with the pacs.004 payment that is sent following your approval of an inbound recall request.
Following a rejected pacs.004 and receipt of the SEPA Instant Recall Payment Cancelled webhook, the ring-fence is removed from the recall amount and you must re-initiate the recall response using the POST /v1/payments/sepa-instant/{paymentId}/recall-response endpoint.