Real-time payments in Germany were predicted to grow by 2028, as instant payments made up about percent of overall payments in 2022. Approximately **** percent of the overall payments mix in the country - including both cash and cashless - is anticipated to be an instant payment by 2028. The source adds this equals a CAGR of **** percent between the five years under consideration. Germany does not have a domestic instant payment scheme but uses the European Union's SCT Inst, or SEPA Instant Credit Transfer scheme. This is not to be confused with SEPA - which takes up to two business days to process.
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ACI Worldwide. (April 30, 2024). Total number of real-time (instant) payments in Germany in 2023, with a forecast for 2028 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 20, 2026, from /statistics/1372086/real-time-payment-penetration-in-germany/
ACI Worldwide. "Total number of real-time (instant) payments in Germany in 2023, with a forecast for 2028." Chart. April 30, 2024. ÌÇÐÄÆƽâ°æ. Accessed July 20, 2026. /statistics/1372086/real-time-payment-penetration-in-germany/
ACI Worldwide. (2024). Total number of real-time (instant) payments in Germany in 2023, with a forecast for 2028. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 20, 2026. /statistics/1372086/real-time-payment-penetration-in-germany/
ACI Worldwide. "Total Number of Real-time (Instant) Payments in Germany in 2023, with a Forecast for 2028." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 30 Apr 2024, /statistics/1372086/real-time-payment-penetration-in-germany/
ACI Worldwide, Total number of real-time (instant) payments in Germany in 2023, with a forecast for 2028 ÌÇÐÄÆƽâ°æ, /statistics/1372086/real-time-payment-penetration-in-germany/ (last visited July 20, 2026)
Total number of real-time (instant) payments in Germany in 2023, with a forecast for 2028 [Graph], ACI Worldwide, April 30, 2024. [Online]. Available: /statistics/1372086/real-time-payment-penetration-in-germany/
