Tablet No.
PLOČA-HR-004
🇭🇷
HR
Carving date
2026-05-26

Tablet 04 of 08 · Payments

InscribedPushSMS

SEPA Instant in eurozone: second-level payment confirmations for Croatian banks

SSince 1 Jan 2023, Croatia is in eurozone — all banks must support SEPA Instant. End-2024 target is 100% coverage. ZABA, Erste, PBZ, OTP, HPB and Addiko are live. 4notify confirms payments to customers in seconds with counterparty identity and amount.

Context

Old 'your order is being processed' no longer suffices — customers expect real-time confirmation like in mobile banking. Those who don't lose users to Revolut and N26.

Legal framework

Uredba (EU) 2024/886 — SEPA Instant

Mandatory instant transfer support in 10s, same price as standard.

HNB Smjernica 12/2023

VoP (Verification of Payee) implementation for all SEPA transfers.

Steps

Core banking webhook

Core banking sends payment event to 4notify within 1s of instant clearing.

IBAN masking in SMS

SMS shows only last 4 digits of counterparty IBAN; full IBAN in app after authentication.

Dual channel push + SMS

Push first for app users; SMS fallback <5s if not acknowledged.

Code

json
{
  "event": "sepa.instant.completed",
  "template": "sepa_incoming",
  "sepa_id": "HR-ZABA-20260526-A4F1",
  "amount": 1250.00, "currency": "EUR",
  "counterparty": { "name_masked": "Mar*** Hor***", "iban_last4": "9821" },
  "channels": ["push", "sms"],
  "recipient": { "client_id": "ZABA-HR-204918", "phone": "+385912345678" }
}