Who needs to comply?
The IPR reporting obligation applies to:
- Banks and PSP's operating within EU countries
- Participants in SEPA Instant Credit Transfer (SCTInst)
- PSP's processing all SEPA transactions, including:
- SEPA Instant Credit Transfers (SCTInst)
- SEPA Credit Transfers (SCT)
- SEPA Direct Debits (SDD Core)
- SEPA Direct Debits (SDD B2B)
Centralized collection of SEPA and SEPA Instant transaction data
End-to-end visibility across payment flows and processing performance
Structured mapping aligned with DMP 2.0
Automated preparation of xBRLCSV ready datasets
Why act now?
Early preparation allows PSPs to stay compliant while extracting operational and performance insights from the same data used for regulatory reporting. But why should you act now?
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The reporting obligation is already live
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Supervisory expectations are high
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Late or inaccurate reporting exposes PSPs to regulatory and reputational risk
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Data foundations take time to build - especially across multiple SEPA schemes
