Supply chain payments

Online shoppers face two major pain points that lead to cart abandonment and lost sales:

1. Checkout friction - Customers abandon purchases when payment requires multiple steps, redirects, or logins. They expect fast, seamless, one-tap payments - especially on mobile.
2. Lack of delivery trust - In cross-border purchases, many hesitate to pay upfront without a guarantee that the item will be shipped. This is especially true for high-value or custom items that aren't ready for immediate dispatch.

These issues reduce conversion rates for merchants and increase risk for both sides in the transaction.

SEPA Request to Pay (SRTP) combined with SEPA Instant Credit Transfer (SEPA Inst) creates a flexible, real-time payment experience that addresses two key e-commerce frictions:

1. One-Tap Checkout with SRTP as Default
   
   • Merchant integrates SRTP as the default payment method.
   • At checkout, the customer receives a structured, pre-filled payment request via their bank app.
   • The customer approves it instantly with one tap (biometric or PIN), triggering an instant SEPA payment.
   • Result: No redirects, no form-filling, no friction - just a fast, secure, bank-based experience.
2. Pay When It Ships - Deferred SRTP Trigger
   
   • ‍For items not ready to ship (e.g., custom, pre-assembled, or delayed stock), the merchant defers the SRTP until the order is fulfilled.
   • When the item is ready, the merchant issues an SRTP with all order details.
   • The customer is notified and pays instantly via SEPA Inst - triggering shipment immediately after confirmation.
   • This approach builds trust and reduces abandonment in high-risk or cross-border scenarios.

• Higher conversion with one-tap, frictionless checkout
• Reduced cart abandonment, especially in mobile and cross-border flows
• Real-time payment confirmation with full payer authentication
• Improved trust in “pay-when-ready” or “pay-on-shipment” models
• Lower risk of chargebacks or non-payment for merchants
• Seamless integration into banking apps and merchant platforms

A Polish customer shops on a Spanish electronics site.

For in-stock items, they enjoy a one-tap payment experience - the merchant sends an SRTP at checkout, which the customer approves instantly in their banking app via SEPA Inst, completing the purchase with no redirects or form-filling.

For backordered or custom items, the customer selects “Pay When It Ships.”

Once the item is ready for dispatch, the merchant sends a structured SEPA Request to Pay, which the customer approves instantly.

The payment is settled in seconds via SEPA Instant, and the order is shipped immediately upon confirmation.