Does EPC have an equivalent for the RTP Request for Payment option? https://www.theclearinghouse.org/payment-systems/rtp/technical-documentation … Effectively a direct debit request that needs to be confirmedhttps://www.europeanpaymentscouncil.eu/what-we-do/sepa-direct-debit …
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“While Zelle is both free to the user and instantaneous, it costs the participating bank between $0.50 to $0.75 per transaction” https://www.bankdirector.com/issues/strategy/zelle-costs-bankers-money-venmo-can-make-bankers-money/ … That’s 250x more expensive per transaction than the public European bank transfer network…
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The Federal Reserve charges $0.82 per wire transfer https://www.federalreserve.gov/paymentsystems/files/pfs_feeschedules.pdf … $25 resell fee at Chase https://www.chase.com/content/dam/chase-ux/documents/personal/checking/ABSF-en.pdf … $25 at Citibank https://online.citi.com/JRS/popups/PT_CAP_BasicBanking_.pdf … $30 at Bank of America https://www.bankofamerica.com/deposits/account-fees/ … $30 at Wells Fargo https://www.wellsfargo.com/fetch-pdf?formNumber=CNS2013&subProductCode=ANY …
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