Other non-SEPA products
The subsystem for the settlement of card operations
Through this subsystem, the settlement of interbank payment obligations is carried out, derived from transactions made with cards or card-based payment instruments of the members of the payment system managed by Sistema de Tarjetas y Medios de Pago, S.A. ("STMP"), granting the desired finality to said settlement.
Access and admission procedure
For formal and technical requirements to participate in the subsystem, please click here. For more information on how to join this subsystem, you can contact Iberpay via email snce@iberpay.com.
Bills of exchange Subsystem
This subsystem is used to exchange, clear and settle bills of exchange and promissory notes. As for cheques, these type of payment instruments are used preferably for high-value transactions, though their use is gradually decreasing year after year.
Bills of exchange may be subject to truncation or not, depending on the amount of the payment. Truncation is the process of exchanging and clearing a payment instrument based on a physical document by using its digital image.
Regarding the figures processed SNCE, the number of transactions processed in 2022 was 1.9 million, with a daily average of 7,500 transactions and an average amount per transaction of 11,900 euros, the highest exchanged in the SNCE.
Access and admission
For information regarding the formal and technical requirements to participate in the subsystem, please click here. For more information on how to join this subsystem, you also may contact Iberpay via the following email: snce@iberpay.com.
"Traspasos" Subsystem
Through this subsystem, the participating entities can exchange the following types of transactions in euros:
- Transfer orders of Pension Plans and Provident Funds
- Transfer orders of Investment Funds
- Class "2" transfers: international transfers outside the European Economic Area
Access and admission procedure
For information regarding the formal and technical requirements to participate in the subsystem, please click here. For more information on how to join this subsystem, you may contact Iberpay via the following email: snce@iberpay.com
"Operaciones Diversas" Subsystem
Transactions exchanged by entities through this subsystem are diverse. Depending on the type of transactions, these may also entail a payment between entities, expressed in euros.
In this subsystem, transactions may also be of two types:"transactions not based on a document" and "document-based transactions", which may be subject to complementary procedures, depending on their particular characteristics.
Access and admission procedure
For information regarding the formal and technical requirements to participate in the subsystem, please click here. For more information on how to join this subsystem, you may contact Iberpay via the following email: snce@iberpay.com
Exchange of information Subsystem
Participating entities may exchange information by means of this subsystem of the SNCE, such as, e.g., variation of IBANs identifying bank accounts associated to direct debits.
Access and admission procedure
For information regarding the formal and technical requirements to participate in the subsystem, please click here. For more information on how to join this subsystem, you may contact Iberpay via the following email: snce@iberpay.com