10 · Move

Euro that moves at the speed of a request.

Send euro to any IBAN across the SEPA zone on rails built for it, with same-day settlement on standard credit transfers.

One call for a single transfer, one file for a payroll run of thousands. SCT, SCT Inst and SDD, from the same euro balance you already hold.

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What it does

Instant credit

Reach SCT Inst-enabled banks in seconds, any hour, on weekends and holidays included.

Same-day standard

Standard SEPA Credit Transfers settle same-day when submitted before the cut-off window.

Batch files

Upload thousands of payments in one pain.001 file and track every line as it clears.

Direct debits

Collect recurring euro payments by SEPA Direct Debit under your own creditor identifier.

IBAN validation

Every IBAN is checked for structure and reachability before a transfer leaves your balance.

End-to-end refs

Attach a remittance reference to each payment so reconciliation matches on the way back.

How it works

01
Fund your balance
Hold euro in your Prosperos balance, the same one your card and acquiring settlements land in.
02
Send the transfer
Post a creditor IBAN, amount and reference, or upload a batch file for a full payroll or supplier run.
03
Track to settlement
Follow each payment from accepted to settled through the API and dashboard, with webhooks on every state change.

Send an instant euro credit transfer to any reachable IBAN.

POST /v1/sepa/transfers
{
  "creditor_iban": "DE89370400440532013000",
  "amount": 4200.00,
  "currency": "EUR",
  "scheme": "sct_inst",
  "reference": "Invoice 2026-0518"
}

By the numbers

Same-day

Settlement

Instant

SCT Inst option

One balance

Funding source

SCT, SCT Inst, SDD

Schemes

Works with

Ready to send?

Start in test mode today, or talk to an engineer who knows your traffic.

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