一句话EBA CLEARING provides pan-European payment infrastructure services including RT1 instant payments and STEP2 services for PSPs and financial institutions.
定价Cost-recovery model with joining fees, annual fees, quarterly minimum fees and transaction-based fees. RT1 joining fee: Participant EUR 30,000; Addressable PSP configuration EUR 300. Annual fee: Participant EUR 30,000; Addressable PSP EUR 350; TARGET2 and TIPS interface services fee
适合谁Payment service providers, banks and financial institutions participating in pan-European euro payment clearing and instant payment services.
核心功能RT1 SCT Inst instant payment serviceOptional Instructing Party service connecting RT1 Participants with TIPS ParticipantsSTEP2 SCT and STEP2 SDD Core payment servicesFPAD fraud prevention and transaction monitoring supportPan-European scale payment processingCustomer portal for participant fee schedules
服务类型泛欧洲支付清算基础设施；RT1即时支付服务；STEP2 SCT/SDD服务；FPAD反欺诈与合规支持工具。
支持支付方式SCT Inst、STEP2 SCT、STEP2 SDD Core、RT1即时支付；可通过可选Instructing Party服务与TIPS Participants交换即时支付交易和R-messages。
覆盖国家/地区文本提及pan-European scale、eurozone及欧洲相关支付体系，具体国家列表未披露。
费率与手续费RT1采用成本回收定价。Participant加入费EUR 30,000；Addressable PSP配置EUR 300；Participant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；超过每日5,000笔后发送方EUR 0.002/笔、接收方EUR 0.002/笔；TIPS附加系统交易费另计。
结算到账周期文本说明RT1为SCT Inst即时支付服务，但未披露具体到账时限或结算周期。
合规与牌照RT1完全符合EPC SCT Inst Scheme；FPAD支持PSP满足Payment Services Regulation相关交易监控和信息共享义务。具体牌照信息未披露。
风控能力FPAD提供泛欧洲规模的实时交易监控、欺诈防控工具集，支持PSP对入账和出账支付进行交易监控并参与信息共享安排。
API与集成提及RT1 interface、TARGET/TIPS接口服务、RT1 routing tables配置、网络提供商双边合同；未披露公开API文档或开发者集成细节。
支付SCT InstSTEP2 SCTSTEP2 SDD CoreRT1 instant payments
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适用场景欧元即时支付清算、SEPA信用转账处理、SEPA直接借记处理、PSP反欺诈交易监控、RT1与TIPS参与方之间的即时支付消息交换。
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