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EBA CLEARING is a provider of pan-European payment infrastructure solutions. Founded in 1998, the company is owned by 51 of the major banks operating in Europe and based on a country-neutral governance model. The payment systems of EBA CLEARING are pan-European by design and desire: they are developed in close co-operation with the company’s multinational user community and best-of-breed technology partners. EBA CLEARING manages and operates the payment services EURO1, STEP1, STEP2 and RT1. Both EURO1 and STEP2 have been classified as systemically important payment systems (SIPS) by the European Central Bank. The pan-European real-time payment platform RT1 went live in November 2017 and processes euro instant payments complying with the European Payments Council’s SEPA Instant Credit Transfer Scheme. EBA CLEARING is based in Paris and has representative offices in Brussels, Frankfurt, Helsinki, London and Milan.