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1 min readWarningEBA reporting framework 4.2Updated 11 November 2026

Each of the six cells it checks in S 04.00: number of rejected instant credit transfers must be reported (S 04.00, EBA rule e89153_e)

A warning in the sEPA instant payments return (SEPA IPR), on template S 04.00, s 04.00 - number of rejected instant credit transfers.

Check your file against this ruleWhat to do if it fails

The rule in plain words

Each of the cells it checks in S 04.00: number of rejected instant credit transfers must be reported.

EBA checks it for two columns: payee's PSP and payer's PSP. And for three rows: total, national and cross-border. That makes six checks. A failure names the one that failed.

How the Line4 Check report words itShow

The first of its checks, word for word as the report shows it when it fails. The others read the same, with their own column, row or sheet.

Payee's PSP: National is reported

What to do if your filing fails it

  1. 01Open the template below and find the cells the rule reads.
  2. 02Report a value in this cell. A 0 counts as reported; a cell left out of the file does not.
  3. 03It runs only when your filing indicators mark S 04.00 as reported.
  4. 04This is a warning. It does not stop the filing on its own, but your authority may ask you to explain it.

The cells it reads

S 04.00 - number of rejected instant credit transfers (S 04.00)

Rows

  • 0010Total
  • 0020National
  • 0030Cross-border

Columns

  • 0010Payee's PSP
  • 0020Payer's PSP
Show the rule as writtenShow

EBA's formula, as written out for the first of its checks. Cells are written as {template, row, column, sheet}.

not(empty({S_04.00,r0020,c0010,}))

The next five:

not(empty({S_04.00,r0020,c0020,}))not(empty({S_04.00,r0030,c0020,}))not(empty({S_04.00,r0010,c0010,}))not(empty({S_04.00,r0010,c0020,}))not(empty({S_04.00,r0030,c0010,}))

Every SEPA IPR rule, by template

Checks like this one, run at the point of submission, are the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.