Instant Payment Notifications. Total Payment Visibility.

Never miss a transaction. smartIBAN’s real-time IPNs give your platform instant visibility into every SEPA payment—so you can automate reconciliation, trigger order fulfillment, and manage fund flows at scale.

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The Challenge: Scaling Bank Payments Without Visibility

Why traditional IBAN workflows fall short

High-volume platforms struggle when every bank payment must be manually matched to a user, invoice, or transaction. This leads to:

Missed or delayed reconciliation
Slower order fulfillment and service activation
Increased refund requests and support load
Poor customer experience at scale

Traditional IBANs weren’t built for automation. Without real-time visibility, every new transaction is a potential bottleneck.

The Solution: Real-Time IPNs from smartIBAN

Automate reconciliation and unlock full payment visibility

smartIBAN eliminates payment delays with Instant Payment Notifications (IPNs). Each virtual IBAN is linked to a customer, wallet, or invoice. When a SEPA payment arrives, smartIBAN sends a webhook to your platform in real time—so you can:

Instantly match payments to the correct transaction
Auto-trigger fulfillment, credits, or services
Eliminate manual reconciliation and human error
Scale with confidence—even at high volume

How it works

From payment to platform update — fully automated in real time.

Customer makes a SEPA payment. To a unique Virtual IBAN assigned by your platform.

smartIBAN detects the payment instantly. We monitor incoming transactions 24/7 via our infrastructure.

An Instant Payment Notification (IPN) is triggered. A webhook with full transaction details is sent to your backend endpoint.

Your platform updates in real time. Invoices are marked as paid, orders fulfilled, accounts unlocked—automatically.

What Instant Visibility Delivers

Happier customers, fewer refund disputes.

0%faster reconciliation cycles

0xreduction in support tickets

0xfaster order fulfillment speed

Developer-First Integration

smartIBAN’s IPNs are API-native. With just one webhook registration, your system is notified the moment funds land in your IBAN. Use our sandbox and docs to go live in days.

View API Docs

$ python -m pip install requests

import requestsurl = "https://api.smartiban.eu/webhooks"payload = {  "event": "payment.received",  "url": "https://yourplatform.com/webhooks/sepa"}headers = {  "Authorization": "Bearer YOUR_API_KEY"}response = requests.post(url, json=payload, headers=headers)print(response.json())

Use cases

Who Uses smartIBAN IPNs?

Marketplaces – Instant vendor payouts, zero delays

When a buyer pays, smartIBAN fires a real-time webhook to your system. Automatically update the order, notify the seller, and release funds—no manual steps.