NAVAX Payment Exports offers the possibility to make urgent payments or instant payments. These payment types allow you to process payments particularly quickly, which can be advantageous in urgent cases.
Differences between Urgent Payments and Instant Payments
Urgent payments are special transfers that are processed with high priority, while instant payments are executed immediately and within a few seconds. Both options offer advantages depending on the urgency and requirements of the payment.
Differences Between Payment Types
SEPA Standard Transfer
EURO Urgent Payment
SEPA Instant Payment
Credited to recipient
at the latest after one banking day
on the same day
after a few seconds (approx. 10 seconds)
Availability
on business days
on business days
around the clock, 365 days a year
Maximum amount
no limit
up to 50,000 EUR
up to 100,000 EUR (depending on the bank)
Instant Payments
The SEPA instant payment is a payment instrument that, unlike standard SEPA credit transfers which currently take up to one banking day, makes the amount available in the recipient's account within a few seconds. This applies not only on banking days, but around the clock, seven days a week, 365 days a year. From October 2025, banks will be required to be able to send and receive instant payments.
Step-by-step guide: Set up and use instant payments
To make instant payments in NAVAX Payment Exports, follow these steps:
Open the NCP Exports Setup page.
You can access this page via "Tell me what you want to do" or from the Business Central homepage via the NAVAX Payment Exports menu, Administration, NCP Exports Setup.
For more information, see Setup, Exports, Exports Setup.
On the NCP Exports Setup page, select the action Setup, XML Schemas to open the overview of available XML schemas.
Click the Download action to download the provided SEPA XML schemas.
For more information, see Setup, Exports, XML Schemas.
Check in the schema list:
Whether the column Instant Payment possible shows the value Yes - only then does the schema support instant payments.
Optional: Note which schema is intended for urgent or instant payments.
Open the NCP Bank Account Setup of the bank account you want to use for instant payments.
For more information, see Setup, General, Bank Account Setup.
In the SEPA Credit Transfer Schema field, select the schema suitable for instant payments.
Optional: Enter the desired limit in the Max. Amount Instant Payment field.
If no amount is entered, the default is 100,000 EUR.
In the payment or cash receipt journals, create a payment suggestion as usual via the NCP Exports action, Payment Suggestion, Vendor/Customer or Employee Payment Suggestion.
For more information, see Tasks, Exports, Make Payment or Direct Debit Suggestions.
Export the payment file via the NCP Exports action, Payment File, Create Payment File.
Additionally, activate the Instant Payment option.
For more information, see Tasks, Exports, Create Payment File.
Note
If the Instant Payment checkbox is deactivated, the XML schema is not suitable for instant payments. You must therefore select another schema that supports instant payments.
Urgent Payments
Urgent payments are credit transfers that are processed with high priority to ensure that the amount is credited to the recipient's account on the same day. From October 2025, banks will be required to offer instant payments. Urgent payments may then be replaced by instant payments.
Step-by-step guide: Set up and use urgent payments
To make urgent payments in NAVAX Payment Exports, follow these steps:
Open the NCP Exports Setup page.
You can access this page via "Tell me what you want to do" or from the Business Central homepage via the NAVAX Payment Exports menu, Administration, NCP Exports Setup.
For more information, see Setup, Exports, Exports Setup.
On the NCP Exports Setup page, select the action Setup, XML Schemas to open the overview of available XML schemas.
Click the Download action to download the provided SEPA XML schemas.
For more information, see Setup, Exports, XML Schemas.
Check in the schema list:
Whether the column Urgent Payment possible shows the value Yes - only then does the schema support urgent payments.
Optional: Note which schema is intended for urgent payments.
Open the NCP Bank Account Setup of the bank account you want to use for urgent payments.
For more information, see Setup, General, Bank Account Setup.
In the SEPA Credit Transfer Schema field, select the schema suitable for urgent payments.
In the payment or cash receipt journals, create a payment suggestion as usual via the NCP Exports action, Payment Suggestion, Vendor/Customer or Employee Payment Suggestion.
For more information, see Tasks, Exports, Make Payment or Direct Debit Suggestions.
Export the payment file via the NCP Exports action, Payment File, Create Payment File.
Additionally, activate the Urgent Payment option to create a payment file for urgent payments.
For more information, see Tasks, Exports, Create Payment File.
Note
If the Urgent Payment checkbox is deactivated, the XML schema is not suitable for urgent payments. You must therefore select another schema that supports urgent payments.
Related information
Setup, General, Bank Account Setup The NCP Bank Account Setup page is the central management interface for all bank accounts used in NAVAX Payment Processing. Here you enter and maintain all bank master data required for payment processing, exports, and imports in Microsoft Dynamics 365 Business Central...
Setup, Exports, XML Schemas The XML format is the Europe-wide recognized standard for payment transactions and is actively promoted by the European Payments Council (EPC) and the EU. The goal is to standardize the multitude of national payment formats and, in the long term, to fully replace them with the XML format. This harmonizes and simplifies the processing of transactions both between banks and for end customers from a technical perspective...
Tasks, Exports, Make Payment or Direct Debit Suggestions NAVAX Payment Exports allows you to create payments to vendors via a SEPA payment file from the payment journal. Similarly, you can create a payment file for direct debits to customers via the cash receipt journal...
Tasks, Exports, Create Payment File This chapter describes how to create a payment file. Typically, the payment file must then be manually downloaded to be uploaded into your banking software...
Fast Payments: Urgent & Instant Transfer
