Instant SEPA P2P via Zen Bank: 7.5% pay-in, 3.5% pay-out
Terms
| Payment format | IN | OUT | Settlement | Settlement term |
|---|---|---|---|---|
| All formats | 7.5% | 3.5% | — | — |
All formats
- IN
- 7.5%
- OUT
- 3.5%
Payment methods
Verticals
Details
Requirements
- Licensed iGaming and Forex
- Adult considered on request
What we offer
- Instant SEPA P2P via Zen Bank
- USDT settlement, T+0, $6 per settlement
A provider offers payment acceptance through Instant SEPA on a P2P basis. Transfers go through Zen Bank, and the merchant is settled in USDT on the day of the transaction. The SEPA terms were posted in early June 2026.
What Instant SEPA is SEPA is the single euro payments area, and its instant version credits a transfer within seconds, at any time of day. In a P2P setup the customer sends money to the account of a private individual assigned by the provider; for the customer it is an ordinary transfer from their own bank.
Merchant requirements - iGaming and Forex, licensed only; - Adult, which the author is willing to consider.
Fees - pay-in: 7.5%; - pay-out: 3.5%; - settlement: USDT, T+0, with a fixed $6 per settlement.
Amount limits and specific countries are not named in the offer, so discuss them when connecting.
Who it suits The channel fits licensed projects serving a European audience that want to accept euros by familiar bank transfer, without card declines. Instant crediting matters especially for gaming projects: the player sees the deposit at once and does not leave while waiting for the balance. Payouts at 3.5% let you keep both deposits and withdrawals with one provider, and same-day stablecoin settlement speeds up the merchant's cash cycle.
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