>Once that's rolled out everywhere it is really going to challenge the established online payment systems in Europe Disagree. Most of the German banks that hav

>Once that's rolled out everywhere it is really going to challenge the established online payment systems in Europe Disagree. Most of the German banks that have just announced SEPA Instant are charging 0.50€-2€/transaction. No way the retailers will manage to convince the customers to pay that. I think PSD2 with the Bank Account API (think Klarna/SOFORT) is the bigger challenger.