Inspiration

⇢ Better, faster payments with SEPA Instant Credit Transfers instead of EMVCo Bank / Credit Card Companies.

⇢ Using the European banking & payment service provider infrastructure for 24/7 < 3 sec. payment settlement.

⇢ Personal data is only stored on your own device & transaction data is only stored at your bank's IBAN account.

What it does

A simple, secure A N D easy way to accept €uro / EUR payments to your bank account.

⇢ 24 / 7 available across the European Union

⇢ less then 3 seconds — the time it takes to have the funds available at the merchant IBAN account

  • No extra hardware or apps required. Just your web-browser.
  • One-minute-on-boarding with any existing IBAN account.
  • ZeroFees for the first 1.000.000 payments with #SEPAdigital

A customer scans with her / his standard banking app a — EU wide recommended — QR Code format. A SEPA Instant Credit Transfer is carried out. Account-2-Account. No Card Companies required.

How I built it

Years of effort. Sweat & Tears.

Accomplishments that I'm proud of

Going live @ 1.4.2020 with https://SEPA.digital/mein.POS & ownership of https://SEPA.id

Business plan

Charge € 42.000,- per year from the EBF.eu/about-us Members ⇢ European Banking Federation ⇢ 32 national banking associations in Europe that together represent some 3,500 banks – large and small, wholesale and retail, local and international.

2020

2020: 3.500 x 4.200,- (10 % of regular price) = _ € 14.700.000,- _

2021+

2021: 3.500 x 42.000,- (regular price) = _ € 147.000.000,- _

Open API

Request

curl -d '{"eur": 1.23, "to": "Merchant GmbH", "iban": "NL66BUNQ2035411181", "reason": "RE#FooBar0815"}'
https://XS2A.app/v1/credit-transfer

Response

{
    "correlationId": "<id>",
    "_links": {
        "payment": "https://SEPA.digital/pay#518714e5-b378-4d6f-ba6c",
        "status": {
            "html": "https://SEPA.digital/v1/tx/518714e5-b378-4d6f-ba6c",
            "json": "https://XS2A.app/v1/tx/518714e5-b378-4d6f-ba6c",
        },
        "ipn": "<your.webhook.endpoint.url>",
        "qrcode": {
            "eu": "https://code.sepa.digital/v1/eu/518714e5-b378-4d6f-ba6c-57f7fc35accb",
            "cz": "https://code.sepa.digital/v1/cz/518714e5-b378-4d6f-ba6c-57f7fc35accb",
            "de": "https://code.sepa.digital/v1/de/518714e5-b378-4d6f-ba6c-57f7fc35accb",
            "ch": "https://code.sepa.digital/v1/ch/518714e5-b378-4d6f-ba6c-57f7fc35accb",
        }
    },
    "uuid": "518714e5-b378-4d6f-ba6c-57f7fc35accb",
    "amount": 1.23,
    "currency": "EUR",
    "iban_to": "NL66BUNQ2035411181",
    "reference": "RE#FooBar0815",
    "name": "Merchant GmbH",
}

Built With

  • 24/7
  • account-to-account
  • bank
  • bank-card
  • bankcard
  • cardless
  • cashless
  • cloudpos
  • contactless
  • credit-card
  • credit-transfer
  • creditcard
  • credittransfer
  • cryptography
  • direct-debit
  • directdebit
  • e-commerce
  • eidas
  • emv
  • emvco
  • euro
  • instantpayment
  • m-commerce
  • mobilepayments
  • nfc
  • nocards
  • nofees
  • notarization
  • notary
  • notaryservice
  • omnichannel
  • openapi
  • opendata
  • paymentrequest
  • paymentrequestapi
  • payments
  • point-of-sale
  • pos
  • psd2
  • realtimepayment
  • sctinst
  • sepa
  • w3c
  • zerofees
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