EU Instant Payments Regulation · Art.9 · NCA Reporting · April 2026

SEPA IPR Annual Report Builder

Build the standardised annual report EU Payment Service Providers must submit to their National Competent Authority (NCA) from April 2026 under Regulation (EU) 2024/886. Enter your SCT vs SCT Inst volumes, VOP service metrics, fee parity data, and rejection breakdown to generate a compliant NCA report template with key compliance metrics.

Mandatory from April 2026 EU IPR 2024/886 VOP Service Fee Parity Check Zero PII · Browser-only

🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.

Step 01PSP Identity & Reporting Period

Total retail and business payment accounts

Step 02SCT vs SCT Inst Transaction Volumes (millions)

IPR requires SCT Inst fee ≤ SCT fee. Enter same value for parity.

Step 03VOP Service & Rejection Metrics

IPR requires <10 seconds

IPR Annual Report
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Compliance Checks
NCA Report Template
AP2 Policy Mandate · CC BY 4.0 · Post Oak Labs

Regulatory Citations

[1]Regulation (EU) 2024/886: EU Instant Payments Regulation. Mandates PSPs to offer SCT Inst at fees not exceeding standard SCT, complete within 10 seconds, and submit annual NCA reports from April 2026.
[2]EU IPR Article 9: Annual reporting obligation. PSPs must submit standardised reports to NCAs covering instant payment uptake rates, fee levels, VOP service performance, and rejection analysis.
[3]EPC SEPA Credit Transfer Instant (SCT Inst) Scheme Rulebook v1.1 2023: defines 10-second execution SLA, IBAN-based routing, and 24/7/365 availability requirements.
[4]EPC Verification of Payee (VOP) Scheme Rulebook: mandatory from October 2025 for Eurozone PSPs. PSPs must provide VOP service to all payment service users before sending instant payments.
[5]EBA Guidelines on IPR Reporting (forthcoming): European Banking Authority expected to issue implementing technical standards on the standardised NCA reporting template under Article 9 IPR.