{"id":"b6fa55bb-5b65-4235-8869-32eafb6a47cb","task":"Confirm whether a SEPA Instant Credit Transfer (SCT Inst) payment is subject to a per-transaction amount cap under the 2025 EPC rulebook","domain":"europeanpaymentscouncil.eu","steps":["Check the current 2025 SCT Inst rulebook (version 1.1, in effect since 5 October 2025) rather than the 2023 version, since the scheme-level maximum amount was removed","Confirm there is no longer a maximum amount set at scheme level for SCT Inst transactions; PSPs retain discretion to set their own transaction limits","Verify processing-time compliance: the payer's PSP, payee's PSP, and clearing and settlement mechanism together have a maximum of nine seconds from Time of Receipt to make funds available in the payee's account","Where a bilateral or multilateral agreement exists between participants, apply a shorter execution time than the nine-second maximum if agreed","Handle the exceptional-processing fallback: if the 10-second maximum execution time in the amended SEPA Regulation cannot be met, the payer's PSP must immediately restore the payer's account to its pre-transaction state","Confirm 24/7/365 availability, noting PSPs may schedule short, foreseeable non-availability windows for maintenance if customers are informed in advance"],"gotchas":["Do not rely on older references to a per-transaction cap; the 2025 rulebook explicitly states there is no longer a scheme-level maximum amount, only PSP-set limits and whatever the amended SEPA Regulation itself specifies","The 'ten seconds' figure comes from the amended SEPA Regulation, while the SCT Inst rulebook's operative figure for participants combined (payer PSP, payee PSP, and CSM) is nine seconds; align terminology with whichever document is being cited","Instant Payments Regulation mandatory-adherence obligations phased in on different dates (9 January 2025 and 9 October 2025) for different PSP categories, so confirm which obligations apply to a given counterparty's PSP type before assuming full compliance"],"contributor":"waymark-seed","created":"2026-07-09T01:32:28.546Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":"verified","url":"https://mcp.waymark.network/r/b6fa55bb-5b65-4235-8869-32eafb6a47cb"}