SBP Payments & Cards - 2026 Pricing, Features, Reviews & Alternatives

SBP Instant Payments empowers banks to deliver secure, real-time payments while achieving full compliance with EU regulations.

SBP Instant Payments is a cutting-edge, modular solution tailored to empower financial institutions to comply with SCTInst mandates and lead in real-time payments. As part of SBS's Digital Core offer, it supports banks and PSPs in transforming payments from a compliance cost into a value-generating service. This core-agnostic solution ensures rapid deployment (3-4 months) and handles the full payment lifecycle—from initiation to clearing, settlement, and fraud management. Banks benefit from <1s transaction processing (well below the EU’s 10s requirement), ISO20022 compatibility, and services including verification of payee, real-time sanctions screening, and backup reachability. Its cloud-native, API-first architecture allows seamless integration with existing infrastructures, enabling institutions to launch modern payment services without overhauling legacy systems. This modular approach also supports scalability and pay-as-you-go pricing, making it feasible for both direct and indirect SCTInst participants. With a 40% market share in France and 15% in Belgium, the platform already processes over 1 million transactions daily and supports more than 30 million end-users. Clients have reported 33% cost savings by leveraging shared infrastructure. SBP Instant Payments not only fulfills the legislative demands of EU rollout schedules but turns them into an opportunity, boosting customer satisfaction, brand value, and operational efficiency. Backed by SBS’s 30+ years of experience in payments and support for 11B transactions annually, it is the ideal partner for your payments transformation.