IPNA – Instant Payment Notification Agent

Oliver Kratz
Product Manager
Phone+49 69 264 846 75
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Fact Sheet
Please contact us directly for more information about the alseda IPN Agent. Mailto: ipna@alseda.com

The out-of-the-box solution for retailers to use SEPA Instant Payment (SEPA real-time transfers)

SEPA Instant Credit Transfer (SCT Inst.) – The latest method in EURO payments will bring many new opportunities. Many banks have been offering these new, fast real-time bank transfers since last year.

For trading, this new method of payment offers the possibility of simplifying the payment process and thus significantly reducing the cost per payment transaction. SEPA Instant Payment makes the payment service providers such as credit cards, PayPal, ApplePay, etc. superfluous. For the payment transaction, only the customer’s bank and the merchant’s bank are necessary.

Unlike payment methods such as credit cards, PayPal, ApplePay, which require a proportionate fee from the merchant (plus sometimes a fixed amount, such as PayPal), SEPA real-time transfers require only a fixed transaction fee from the merchant. This currently differs only slightly from other SEPA transaction fees.

For payment via SEPA Instant Payment, the customer simply uses his usual mobile banking app or even just the simpler payment app of his bank. This is quick and easy and is free for the private customer.

In addition, SEPA Instant Payment has the potential to substitute a large proportion of today’s common cash transactions.

In addition to the simple money transaction, the SEPA real-time bank transfer offers the possibility to make the entire payment process more efficient, especially for the retail sector. There are already many new process designs, e.g. in the collection business or in goods traffic.

Alseda now offers a solution with the Instant Payment Notification Agent (IPN Agent) to fully digitize the payment process via SEPA Instant Payment. This type of solution is also called “dealer-based instant payments at the POS, in short ‘HIPPOS’.

For dealers (from retailers and online stores to payment machines and small market traders) alseda offers with the IPN Agent a solution for the quick and cost-effective use of real-time transfers.

Characteristics of the solution:

  • Out-of-the-box solution
  • Omnichannel connection for the dealer via API
  • Multichanel bank connection for one or more banks of the dealer
  • Monitoring and reporting functions via a portal access or the alseda real-time transfer app
  • Highly available cloud service and in-memory data processing

The alseda IPN agent can e.g. be integrated into an online shop within a few hours. Then it is possible for the online shop to offer the payment method “SEPA Instant Payment" to its customers. For online shops, the display of payment data is certainly the payment code (QR code) the choice. The alseda IPN Agent supports not only QR codes but also transmission via NFC.