一句话EBA CLEARING provides pan-European payment clearing services including RT1 instant payments and STEP2 services for payment service providers.
定价Joining fee, annual fee, quarterly minimum fee and per-transaction fee; cost-recovery oriented and not profit-maximising RT1 joining fee: Participant EUR 30,000; Addressable PSP configuration EUR 300. Annual fees: Participant EUR 30,000; Addressable PSP EUR 350; TARGET2 and TIPS interface services fe
适合谁European banks, payment service providers, RT1 participants, addressable PSPs and institutions needing euro instant payment clearing and compliance-oriented fra
核心功能RT1 SCT Inst instant payment service compliant with EPC SCT Inst SchemeOptional Instructing Party service for exchanging instant payment transactions and R-messages with TIPS Participants via RT1 interfaceSTEP2 SCT and STEP2 SDD Core payment servicesFPAD fraud prevention and compliance support for PSPsReal-time transaction monitoring at pan-European scaleIntegration with TARGET and TIPS related technical account and fund transfer services
服务类型泛欧洲支付清算基础设施；RT1即时支付清算；STEP2 SCT/SDD服务；FPAD欺诈防控与合规支持
支持支付方式SCT Inst、STEP2 SCT、STEP2 SDD Core、R-messages；通过RT1接口与TIPS参与方交换即时支付交易
覆盖国家/地区文本明确提到pan-European scale、eurozone、EPC SCT Inst Scheme，主要面向欧洲/欧元区；具体国家列表未披露
费率与手续费RT1参与方加入费EUR 30,000；Addressable PSP配置EUR 300；参与方年费EUR 30,000；Addressable PSP年费EUR 350；TARGET2和TIPS接口服务费EUR 12,000；季度最低收费EUR 2,500；超过5,000笔/日的交易，发送方EUR 0.002、接收方EUR 0.002；另收欧元系统TIPS附属系统交易费；大额或三年承诺量用户可有分层定价
结算到账周期文本显示RT1为SCT Inst即时支付服务，但未给出具体到账秒数或结算周期
合规与牌照RT1符合EPC SCT Inst Scheme；FPAD用于帮助PSP满足PSR相关交易监测和信息共享义务；牌照信息未披露
风控能力FPAD提供泛欧洲规模的实时交易监测、欺诈防控工具集，并支持PSR下的进出账交易监测与信息共享安排
API与集成RT1接口可用于与TIPS参与方交换即时支付交易和R-messages；涉及TARGET和TIPS技术账户及资金转移服务；具体API文档、SDK和开发者接入说明未披露
支付SCT Inst instant credit transferSTEP2 SCTSTEP2 SDD CoreR-messages; TIPS-related connectivity via RT1 interface.
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适用场景Euro instant payment clearingSEPA credit transfer processingSEPA direct debit clearingPSP fraud monitoring and PSR compliance supportconnection between RT1 and TIPS participants.
同类TIPSSWIFTSEPA clearing infrastructuresother European instant payment clearing providers