Instant Payments Reporting
Helping banks and PSPs comply with the new EBA IPR framework
The EU Instant Payments Regulation (IPR – Regulation (EU) 2024/886) requires all Payment Service Providers (PSPs) that offer euro credit transfers – including banks, payment institutions, and e-money institutions – to also support instant SEPA credit transfers (≤10 seconds).
From 2025–2026, institutions must:
- Enable 24/7 instant euro transfers (SEPA Instant)
- Ensure fees are no higher than for standard transfers
- Screen users daily for sanctions compliance
- Report to the EBA in line with new DPM 2.0 and xBRL-CSV standards
First submission: April 2026
xBRL-CSV ready
Trusted by European regulators
Key challenges for banks & PSPs
Operational
- Upgrading legacy systems for 24/7 instant payments
- Integrating sanctions screening into structured reporting
- Managing new EBA validation and filing rules
Strategic
- Turning IPR data into business insights (pricing, adoption rates, efficiency)
- Aligning payment reporting with prudential and resolution frameworks (COREP, FINREP, SRB RES)
UBPartner solutions issuers and service for Instant Payments Reporting
UBPartner provides a full range of regulatory reporting tools and services to support banks and PSPs in meeting Instant Payments obligations:
✔ Fully integrated in XT Platform
Our XT Toolkit and Portal v6.0 already include configuration updates to support EBA 4.1 and 4.2 taxonomy packages, with Instant Payments as a core module.
- Automated mapping to DPM 2.0 and xBRL-CSV
- Pre-configured validation rules and filing controls
- Multi-currency and Table Constraints support
✔ SDK & API integration
The UBPartner SDK v6 enables automated data transformation and validation:
- Import data from internal PSP systems or data lakes
- Generate compliant xBRL-CSV submission packages
- Perform EBA validation and manage submission metadata
✔ Future-proof architecture
UBPartner continuously updates its technology stack to align with evolving EBA standards:
- Digital Signatures in XBRL 1.0
- OIM Taxonomy and Formula 2.0 developments
- Filing rule profiles integrated into XPE for configurable reporting environments
✔ Expert support
Our teams assist clients throughout the full reporting lifecycle:
- Data model alignment and gap analysis
- Configuration of new taxonomy modules (IPR, MICA, ESG, Pillar 3)
Testing and certification before the first EBA submission in 2026
Benefits of working with UBPartner
- Certified technology used by major European regulators and NCAs
- Proven expertise in EBA, SRB, and DORA reporting
- Performance-tested xBRL-CSV engine (XPE) for high-volume data
- Comprehensive taxonomy coverage – EBA, EIOPA, ESMA, ECB
- Continuous updates to match each EBA Framework release
With UBPartner, your institution can seamlessly integrate Instant Payments reporting into your existing regulatory framework – ensuring accuracy, efficiency, and full compliance with the upcoming 2026 mandate.
Prepare for the first Instant Payments submissions now.
Contact our experts to discuss data readiness, taxonomy integration, and system configuration.