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> If you send a SEPA payment in Europe (most modern standard) it still takes one business day.

The most modern standard is SEPA Instant Credit Transfer [1] which does transfers in under 10 seconds. As of right now 57% of European payment service providers have joined with this scheme.

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[1] https://www.europeanpaymentscouncil.eu/what-we-do/sepa-insta...



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