One Platform, Every Euro Rail
The platform connects you to the European clearing and settlement systems through one API, one dashboard and one webhook model. This page lists, per rail, how the connection is made, who is the participant, and what Inventi operates on your behalf. Use it for due diligence and onboarding planning.Rails and roles
Message-level detail (ISO 20022 and MT message types per rail) is documented in each rail’s integration guide.
What is shared across rails
- One integration. The same payment APIs, statuses and webhooks for every rail; the rail shows up as the payment’s
scheme. - ISO 20022 throughout. Message building, versions and scheme rulebook changes are handled by the platform; you never assemble XML.
- Calendars. Settlement follows the TARGET calendar for SEPA Credit Transfer, Direct Debit and T2; instant payments settle 24/7/365.
- Environments. Every rail has a TEST environment connected to the operator’s test system - see Onboarding and testing.
- Verification of Payee is available as a separate product for all outgoing SEPA payments - see the VoP section.
Who signs what
- Participation and accounts - an agreement between you and the system operator: Bank of Lithuania for CENTROlink, Latvijas Banka for EKS, your national central bank for TARGET accounts. Inventi does not hold your funds.
- Scheme adherence - EPC adherence for the SEPA schemes is in your name; Inventi prepares and supports the adherence package during onboarding.
- Technical service - the agreement with Inventi covers connectivity, message handling, monitoring and support for the rails you enable.