Payment technology for fintechs and banks

Numeral provides the infrastructure to connect to partner banks, access schemes, and automate payment operations.

Numeral

Any fintech addressing the European market needs access to SEPA. Until 2025, EU fintechs had no choice but to work with partner banks to do so. The Instant Payments Regulation changed everything: payment and electronic money institutions can now directly connect to European payment systems.

In our next webinar, we unpack everything fintechs need to know before going direct:

*   What are the different models to participate in payment schemes
*   Non-bank direct access to payment systems: what does the regulation say?
*   Is it worth it to be direct participant? A look back at the UK example

Join us along with our outstanding guests:

*   [Myles Stephenson](https://www.linkedin.com/in/mylescstephenson/), Founder and CEO at Modulr
*   [Wim Grosemans](https://www.linkedin.com/in/wim-grosemans-839432/), Global Head of Product Management - Payments & Receivables - Cash Management at BNP Paribas
*   [Mike Chambers](https://www.linkedin.com/in/-mike-chambers-/), Senior Advisor at the UK Payment Systems Regulator


SEPA participation: should fintechs go direct? Learnings from the UK example

The payment industry is bracing for major evolutions in 2025. The Instant Payments Regulation will impact much more than instant payments themselves. The next wave of regulations supervising payment and electronic money institutions will be adopted.

We will unpack everything you need to know in our next webinar:

*   Is the industry ready for the enforcement of the Instant Payments Regulation?
*   Latest updates on Verification of Payee
*   Non-bank direct access to payment systems: what will be the eligibility criteria?
*   What will be left in PSD3 and the PSR?

Join us along with our outstanding guests on Wednesday, December 18 at 11am CET:

*   **Katja Heyder**, Head of User Relations at EBA CLEARING
*   **Pierre Hautenauve**, Director Retail Banking at Ailancy
*   **Fabrice Denèle,** Senior Vice President, Payments Partnerships at BPCE Payments


SEPA, PSD3 and instant payments: what to expect in 2025?

Starting January 2025, all European banks must support receiving SEPA instant payments. By October 2025, they must support Verification of Payee and sending instant payments.

Complying with these new requirements monopolises most bank tech and product resources. Between PSD2, this Instant Payments Regulation, and the upcoming PSD3 and PSR, the regulatory pace is intense. It leaves banks limited with few resources to innovate, improve the customer experience, and build value on top of the introduced changes.

Building from the right IT architecture changes the equation.

In this webinar, hosted by Simon Taylor, our expert panel will discuss how to comply with the upcoming Instant Payments Regulation and the next ones without renouncing innovation:

*   Summary of the Instant Payments Regulation and its impacts on banks
*   How to comply on time
*   Beyond instant payments: shifting IT resources from regulatory catch-up to innovation in the SEPA area

Join us along with our outstanding panel:

*   Simon Taylor (moderator), writer at Fintech Brain Food
*   Sylvie Calsacy, Lead Payments at OnePoint
*   Puneet Khanna, VP of Solution Consulting at Tuum
*   Édouard Mandon, Co-founder and CEO at Numeral


Instant payments and beyond: the path to ever-compliance

Payment systems and the regulations that shape them are constantly evolving, creating significant opportunities and new challenges for fintechs and bank teams.

2024 promises to be an especially packed year in that regard!

In this webinar, our expert panel will cover:

*   The latest news about the European instant payments legislation
*   The upcoming obligation of IBAN verification for all SEPA payments
*   How will PSD3 impact access to payment schemes for financial innovators
*   The delayed 2023 SEPA rulebook implementation

Join us along with our outstanding guests:

*   **Katja Heyder**, Head of User Relations at EBA CLEARING
*   **Francis De Roeck**, Member of the EPC Scheme Management Board and Head of Industry Engagement for Payments at BNP Paribas
*   **Pierre Hautenauve**, Senior Manager at Ailancy


SEPA, PSD3 and instant payments: what to expect in 2024?

**From account top-ups to bill payments,** fintech scale-up Spendesk manages billions of euros of corporate spendings for their thousands of customers each year.

Spendesk started its payment journey as an agent of a banking-as-a-service provider but realised that with scale, it needed more controls over its SEPA payments.

To build payment operations supporting its growth, it decided to increase control by becoming a SEPA participant.

Learn how.

In this webinar, our panel will cover:

*   Why becoming a SEPA participant
*   The different steps to become a SEPA participant
*   How to do it right

Join us along our expert panel:

*   **Axel Cateland**, CEO at Spendesk Financial Services
*   **Didier Darmouni**, Director Business Development at BPCE Payments
*   **Laurent Sodigné**, payments expert and Senior Partner at Melan Consulting

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###### *About Numeral: *[*Numeral*](https://www.numeral.io/)* is a payment operations platform making building payment products on top of banks easy. By exposing a single API across banks and payment methods, Numeral helps companies streamline their payments through real-time connectivity to their existing banks, robust automation, and built-in controls.*


Spendesk’s journey from BaaS agent to SEPA participant

Speakers

Axel Cateland

CEO @ Spendesk Financial Services

Didier Darmouni

Director Business Development @ BPCE Payments

Laurent Sodigné

Payments expert & Senior Partner @ Melan Consulting

Replays

SEPA participation: should fintechs go direct? Learnings from the UK example

SEPA, PSD3 and instant payments: what to expect in 2025?