The alseda IPNA app enables the display of the data for a SEPA real-time transfer (SEPA Instant Payment) as a QR code for use with mobile banking apps.
If you want someone to transfer money to your bank account via SEPA real-time bank transfer or as a normal SEPA credit transfer, just use the alseda IPNA app. With this app, you can generate a payment code (QR code) that contains all the information for a credit transfer.
The QR code corresponds to the standardized SEPA structure that can be read with any mobile banking app. The payer of the money can then use his mobile banking app to scan the QR code within seconds and then execute the transfer.
When using SEPA Instant Payment, you have then credited money at your account within a few seconds. The money is immediately available to them.
In the master data of the app, you enter the name of the account holder and the IBAN. The information is needed to build the QR code.
Variable via the app you can then enter the required amount in euros and if necessary, a purpose (remittance information).
At the push of create button, the QR code is then generated from the data entered.
You then show this QR code to the person who should transfer the required amount of money to you. The paying person must start their mobile banking app on their smartphone and then select "credit transfer by QR code".
For some banks, this feature is included directly in the Banking App, while other banks offer their own small apps (payment apps) for bank transfers.
The paying person receives through the QR code all the necessary data for the credit transfer on their smartphone displayed and then has to confirm the process only.
Real-time payments (SEP Instant Payment) usually take a maximum of three seconds before they are credited to your bank account.
This process can be repeated with the alseda IPNA App as often as you like.
The alseda IPNA app does not transfer data, neither the master data with the IBAN nor the amount or the remittance information. All data entered in the IPNA app will remain on your smartphone or, if necessary, on the cloud of your telephone provider.