It feels like RtP is finally gaining traction outside of the UK. Are your clients in other European markets starting to demand this as an option for recurring payments, or is it still mostly in niche applications? What are the biggest hurdles for broader adoption?
Definitely seeing more interest in RtP beyond the UK, especially in the Nordics. Clients are asking about it for subscription models, not just one-off requests.
Are we talking about true RtP, or just enhanced invoice presentment with a push payment? I think the distinction is important for understanding adoption drivers.
My experience is it's still niche. Most of our European clients are comfortable with SEPA Direct Debits for recurring payments, and don't see a huge need to switch unless there's a strong cost advantage.
I'd argue regulatory hurdles also play a big role. Each country has its own interpretations and requirements, which complicates a pan-European rollout.
The biggest hurdle has to be standardization and interoperability across different payment service providers. Until that's smooth, it'll remain fragmented.