As Instant Payments adoption accelerates across Europe, financial institutions face growing pressure to detect and prevent fraud in real time, especially with the 9 October 2025 deadline set by EU Regulation 2023/1114 on instant credit transfers in euro, which mandates key online fraud prevention measures.
EBA CLEARING, a European payment infrastructure provider owned by major banks, has launched the Fraud Pattern and Anomaly Detection (FPAD) initiative to support the industry in this challenge.
FPAD is a real-time fraud prevention and detection service from EBA CLEARING that helps PSPs spot suspicious patterns through a centralized fraud assessment engine, verify payee identity, and comply with the EU Instant Payments Regulation. It enables faster, smarter fraud response across SEPA transactions.
By integrating these elements, FPAD gives payment service providers an additional layer of shared intelligence to enhance their own fraud models and respond faster to emerging threats. In this context, the XTN Cognitive Security Platform® supports integration with FPAD APIs for clients participating in the initiative.
Specifically, XTN has developed a dedicated module that leverages the FPAD Transaction Assessment Module, enabling our Smart Fraud Protection solution to ingest and process key FPAD indicators, including payee name matching, directly within the transaction flow.
As part of this integration, the XTN Cognitive Security Platform® also supports the Verification of Payee (VoP) requirement, enabling clients to check the match between the payee’s name and IBAN before executing an instant credit transfer. This functionality is certified for use with EBA Clearing’s FPAD provider infrastructure, offering institutions a seamless way to meet regulatory obligations without adding friction to the payment experience.
This integration allows financial institutions to enhance their risk scoring with additional signals from a centralized, pan-European infrastructure, without disrupting their internal controls or customer experience.
As regulatory pressure grows for improved fraud prevention and customer security, XTN’s FPAD integration offers a future-ready capability aligned with the evolving compliance and threat landscape.
October 9, 2025, is coming fast. Download our white paper to discover how we secure Instant Payments from fraud while keeping trust intact.
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