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ARTICLE · 23 JUNE 2025

How Instant Payment Regulation Is Transforming The Payment Landscape For Merchants

Finance Malta
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The introduction of the Instant Payment Regulation (IPR) marks a pivotal moment for businesses across Europe, as the shift towards faster, more efficient transactions becomes a reality.

MaltaFinance and Banking
Finance Malta
Finance Malta
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The introduction of the Instant Payment Regulation (IPR) marks a pivotal moment for businesses across Europe, as the shift towards faster, more efficient transactions becomes a reality. With the January 9, 2025 deadline fast approaching, merchants and payment service providers are preparing for significant changes that promise to reshape the financial ecosystem.

As a European open banking provider supporting merchants across SEPA, Noda is at the forefront of helping businesses adapt to this new era of instant payments.

What is IPR, and Why Does It Matter?

The IPR mandates that all eurozone banks and PSPs enable instant payments within 10 seconds, 24/7, across EU and SEPA markets. This new standard improves transaction speed, enhances customer trust through payee verification, and supports cross-border efficiency.

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