SEPA and SEPA Instant
Send eligible euro payments through standard or instant rails.
Payments
Send money the way.
Your counterparty expects it.
SEPA, SEPA Instant, SWIFT, internal transfers and on-chain payments — from one account, with remittance information preserved end to end.
Outgoing payment
BP-20482,500.00
USDC
Counterparty receives
€2,304.18ACYour accountUSDC balance
b
MKMerchantEUR account
SEPA INSTANTSWIFTON-CHAININTERNAL
Reference preservedInvoice BP-1048
Payment orchestration
One instruction can choose between several very different rails.
The customer begins with the same essential intent: who should receive value, how much, from which balance and with what reference. byplata then presents only the routes that are eligible for that currency, destination and timing requirement.
The rail can change, but approval, screening, status tracking and the final transaction record should stay consistent. That is what turns separate provider connections into one payment product.
PAYMENT BP-2048ROUTE SELECTED
Instruction€2,500 · Invoice 1048
b
DestinationMerchant EUR account
SEPASEPA INSTANTSWIFTON-CHAIN
Choose by outcome
The right rail depends on more than geography.
Currency, beneficiary reachability, urgency, amount, fees, screening result and cut-off conditions all affect which route should be offered.
SWIFT payments
Reach international counterparties in supported currencies.
On-chain transfers
Withdraw assets to verified addresses with Travel Rule data.
Internal settlement
Move value between eligible byplata accounts instantly.
A production interface should never promise a rail before the servicing partner confirms customer eligibility, destination reachability and applicable limits.
Operational clarity
The payment record should answer the support question before it is asked.
Each instruction should retain the funding balance, beneficiary details, selected rail, fees, approvals, provider references and final state. If a payment is delayed or rejected, the account history must show where the process stopped.
That same record becomes the basis for statements, reconciliation, webhook events and customer service — without rebuilding the transaction from several provider portals.
PAYMENT LIFECYCLEVISIBLE STATES
01
Choose accountSelect the balance that funds the payment.
Continue02
Add beneficiaryEnter bank or blockchain destination details.
Continue03
ApproveReview amount, fees and authorise.
Continue04
TrackFollow settlement and download the record.
CompleteSend through the right rail from one account.
Keep the instruction, approval, provider response and final payment record connected end to end.