Clarification of requirements of the Instant Payments Regulation

The Instant Payments Regulation (Regulation (EU) 2024/886) entered into force on 8 April 2024 and a first set of obligations for payment service providers (PSPs) will have to be complied with as of 9 January 2025.

To facilitate a common understanding of the provisions of the Regulation and to assist PSPs and public authorities of Member States in their implementation efforts, the Commission Directorate-General for Financial Stability, Financial Services and Capital Markets Union (DG FISMA) held two online implementation workshops, one workshop on 30 April and the second workshop on 29 May 2024. During these workshops, oral clarifications were provided to over 200 questions that had been collected from stakeholders in advance.

You can find the final version of those clarifications below.

Following a number of exchanges with stakeholders, the document was updated in July 2025.