2021 will be a new dawn in many respects, banking and payments being no exception. About midway through the year, on June 15, the SEPA Request to Pay scheme (SRTP) rulebook will come into effect. Launched on November 30, 2020, it consists of a set of rules, practices and standards that makes it possible for any eligible SEPA RTP Service Provider to participate in and operate the scheme. This will bring about far-reaching consequences, because RTP is the missing link in the payments process starting with the payee making out an invoice and ending with the confirmation that the payor’s money has indeed been credited to the right account. There are nearly always media discontinuities in that chain of events, even if all documents are transferred electronically. With RTP, that will become a thing of the past. Banks and payment service providers should be prepared, because demand is expected to be high.