[holowoodman]

The things that are still missing to make this perfect:

- SEPA instant transfers (exist, but cost extra)

- A consistent (across all banks) API to poll for received payments for the merchant

- A consistent API (e.g. an URL schema that browsers do support) to quickly fill in payment details with your bank's transfer form.

[Muromec]

Dutch iDeal will be rolled out continent wide pretty soon ( soon in bank time ), which is what you want.

Last time I checked instant sepa (which was today) it was free as in zero commissions on either side and was actually instant.

[jkaplowitz]

Depends on the bank. In Germany, N26's free account charges 0.49€ per instant SEPA transfer, and sometimes it's unavailable because the other bank (e.g. one used by many German doctors) only supports non-instant SEPA.

But yes, instant SEPA is often free and often available and very nice when both of those are true.