Even if innovative topics such as instant payments, card-based payments or others are currently dominating the discourse in the industry: the technical basis on which most innovations are built is still the Single Euro Payments Area, better known as SEPA. And this basis is continuously being expanded. For example, financial institutions have been able to participate in the Eurosystem's TARGET Instant Payment Settlement (TIPS) procedure since November 2018. The basis for this is the SEPA scheme SCTinst, which in turn is based on the standard procedure for credit transfers SEPA credit transfer SCT. Other further developments such as EBICS 3.0 would also hardly be conceivable without SEPA payments.