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  Payments for Europe: The Next Years

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  #SEPAdigital Instant POS -- Pay with your bank account. No cards required.

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  iOS Scan & Pay native support via SEPA.ID transaction references

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  Supported by a lot of banks in the EU

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  Business potential / SEPA market size / People & Merchants

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  SEPA.digital features

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  Transfer & receive EUR funds in real time! 24 / 7 < 3 seconds -- PAN EU!

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  No extra apps / hardware required -- just a phone or a web browser.

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  SEPA.digital PSD2 TPP -- AISP -- PISP

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  EU Pay Code -- Scan & Pay with your default banking app

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  Enter amount you would like to receive -- or scan your cash register receipt

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  Available as W3C / Microsoft Edge / Google Chrome Progressive Web App / PWA

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  One-minute-setup -- KYC via bank account already done.

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  Pay with SEPA.digital Bank Wallet

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  Scan & Pay with any QR Code scanner

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  Scan & Pay with https://bunq.eu

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  Welcome to the future!

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  The future of payments in Europe

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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