EBA CLEARING RT1
EBA CLEARING RT1: A 24/7 RTGS hub for SEPA instant euro payments and TIPS connectivity. Ranked #10 of 22 in Real-Time Payments Software by our editors (6.3/10); pricing: Paid; best for SEPA instant-payment clearing participants.
At a glance
- Editor score6.3 / 10
- PricingPaid
- Best forSEPA instant-payment clearing participants
- Free planNo
- Rail coverageMulti-rail
- Founded2017 · Paris, France
- Facts checked28 Sep 2026
Where it wins
- 24/7 processing for SCT Inst and OCT Inst payments
- Settlement in immediately available central-bank funds
- Liquidity tools and fraud-pattern anomaly detection
Where it doesn't
- Focused on euro instant-payment schemes and European participants
- Paid fees include joining, annual, and transaction charges
- Requires scheme adherence and participant onboarding
Our verdict on EBA CLEARING RT1
EBA CLEARING RT1 is a real-time gross settlement system for euro instant payments. It is designed for payment service providers that adhere to the relevant European Payments Council schemes, with a fit for mid-market and enterprise participants. RT1 processes SEPA Instant Credit Transfers and One-Leg-Out Instant Credit Transfers between payment accounts, operating around the clock every day of the year.
The published fee structure uses EUR charges for joining, annual participation, and transactions. Participants can connect directly or work through technical and liquidity service providers. RT1 supports a settlement interface for RT1 and TIPS transactions, integrates with TIPS and other SCT Inst-compliant clearing and settlement mechanisms, and offers an optional service for exchanging instant payments and R-messages with TIPS participants through the RT1 interface. This makes it suited to institutions that need a European instant-clearing connection rather than a general-purpose payment gateway.
Operational depth is a central strength. Settlement takes place in immediately available central-bank funds, while liquidity-management tools support 24/7 participant balance management. Fraud Pattern and Anomaly Detection adds monitoring functionality within the payment infrastructure, and ISO 20022 support aligns with the stated rail coverage. RT1 is a strong fit for payment service providers participating in SEPA instant schemes and needing continuous euro clearing, TIPS connectivity, and managed liquidity. Organizations seeking broader geographic coverage, consumer-facing payment software, or a free entry tier should consider a different category of solution.
EBA CLEARING RT1 pricing
EBA CLEARING RT1 fact sheet
| Free plan | No |
|---|---|
| Paid from | Not verified |
| Rail coverage | Multi-rail |
| ISO 20022 support | Yes |
| Payment orchestration | Not verified |
| Deployment options | Not verified |
| Reconciliation tools | Not verified |
| Message formats | Not verified |
| Built for | Mid-market, Enterprise (editorial estimate) |
| Integrations | 2 integrations: TIPS, other SCT Inst-compliant CSMs |
| Pricing | Paid (source) |
| Website | ebaclearing.eu |
| Facts checked | 28 Sep 2026 |
EBA CLEARING RT1 integrations
EBA CLEARING RT1 lists 2 integrations on its own site.
- TIPS
- other SCT Inst-compliant CSMs
Alternatives to EBA CLEARING RT1
- FIS Real-Time PaymentsA cloud-based, multi-rail payments platform for financial institutions managing real-time flows.9.0
- CGI All PaymentsA multi-rail platform for institutions coordinating real-time and traditional payments.8.2
- Finastra Payments HubsA multi-rail payment hub for banks needing orchestration, controls, and ISO 20022.7.7
See all EBA CLEARING RT1 alternatives →
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
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