Supply chain payments

In Just-in-Time (JIT) and Make-to-Order (MTO) manufacturing, production cannot begin without confirmed prepayment - but standard cross-border SEPA transfers often take 1-3 days to settle, introducing costly delays and breaking time-critical supply chain flows.

JIT/MTO workflows depend on tight payment-to-production coordination.

Combining real-time payment requests with instant settlement directly addresses this bottleneck.

Combine SRTP and SEPA Inst to create a structured, real-time, and trust-based payment workflow:

1. SEPA Request to Pay (SRTP): Allows the supplier to send a formal, trackable request for partial or full payment with defined terms and expiry.
2. SEPA Instant Credit Transfer: Enables the buyer to settle the payment in less than 10 seconds, with immediate confirmation to the supplier.
3. Outcome: Suppliers begin production immediately upon confirmed payment; no manual reconciliation, no delay.

1. Faster production kickoff - Suppliers begin manufacturing immediately after real-time payment confirmation.
2. Improved cash flow - Instant settlement ensures working capital is available when needed.
3. On-time delivery - Eliminates payment-related delays that threaten JIT schedules.
4. Reduced risk - Buyers only pay when terms are met; suppliers reduce exposure to late or failed payments.
5. Automated workflows - SRTP and SEPA Inst integrate into ERP systems, minimizing manual intervention and reconciliation.

A German automotive OEM places a high-value custom parts order with a Polish supplier operating on a JIT model.


1. The supplier issues a SEPA Request to Pay (SRTP) with a 48-hour payment window.
2. The OEM reviews and pays instantly via SEPA Inst from their corporate banking interface.
3. The supplier receives the payment within seconds, triggers automated production release, and meets tight delivery timelines.