# Adds SEPA Instant Credit Transfer as a received credit network type ## What’s new For v2 Received Credits, adds `sepa_credit_transfer_instant` as a value for the [network](https://docs.stripe.com/api/v2/money-management/received-credits/retrieve.md?api-version=2026-10-28.preview#v2_retrieve_received_credits-response-bank_transfer-sepa_bank_account-network) property for [SEPA bank account](https://docs.stripe.com/api/v2/money-management/received-credits/object.md?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer-sepa_bank_account-network) and [originating IBAN bank account](https://docs.stripe.com/api/v2/money-management/received-credits/object.md?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer-originating_bank_account-iban-network). This value identifies credits arriving over the SEPA Instant Credit Transfer rail. Previously, these [network](https://docs.stripe.com/api/v2/money-management/received-credits/retrieve.md?api-version=2026-10-28.preview#v2_retrieve_received_credits-response-bank_transfer-sepa_bank_account-network) properties returned `sepa_credit_transfer` for SEPA bank transfer received credits. You can view them when you [retrieve](https://docs.stripe.com/api/v2/money-management/received-credits/retrieve.md?api-version=2026-10-28.preview) or [list](https://docs.stripe.com/api/v2/money-management/received-credits/list.md?api-version=2026-10-28.preview) Received Credits. ## Impact Previously, `bank_transfer.sepa_bank_account.network` and `bank_transfer.originating_bank_account.iban.network` returned `sepa_credit_transfer` for SEPA bank transfer received credits. They can now return `sepa_credit_transfer_instant`. If your integration matches specific [network](https://docs.stripe.com/api/v2/money-management/received-credits/retrieve.md?api-version=2026-10-28.preview#v2_retrieve_received_credits-response-bank_transfer-sepa_bank_account-network) values, update it to recognize the new value and [handle unknown open-enum values](https://docs.stripe.com/api/enums.md?api-version=2026-10-28.preview#handling-open-enums-in-responses) with a safe fallback. ## Changes #### REST API | Value | Change | Enums | | --- | --- | --- | | `sepa_credit_transfer_instant` | Added | [V2.MoneyManagement.ReceivedCredit.bank_transfer.originating_bank_account.iban.network](/api/v2/money-management/received-credits/object?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer-originating_bank_account-iban-network), [V2.MoneyManagement.ReceivedCredit.bank_transfer.sepa_bank_account.network](/api/v2/money-management/received-credits/object?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer-sepa_bank_account-network) | #### Ruby This change doesn’t affect the Ruby SDK. #### Python | Value | Change | Enums | | --- | --- | --- | | `sepa_credit_transfer_instant` | Added | [V2.MoneyManagement.ReceivedCredit.BankTransfer.OriginatingBankAccount.Iban.network](/api/v2/money-management/received-credits/object?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer-originating_bank_account-iban-network), [V2.MoneyManagement.ReceivedCredit.BankTransfer.SepaBankAccount.network](/api/v2/money-management/received-credits/object?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer-sepa_bank_account-network) | #### PHP | Value | Change | Enums | | --- | --- | --- | | `sepa_credit_transfer_instant` | Added | [V2.MoneyManagement.ReceivedCredit.bank_transfer.originating_bank_account.iban.network](/api/v2/money-management/received-credits/object?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer-originating_bank_account-iban-network), [V2.MoneyManagement.ReceivedCredit.bank_transfer.sepa_bank_account.network](/api/v2/money-management/received-credits/object?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer-sepa_bank_account-network) | #### Java This change doesn’t affect the Java SDK. #### Node.js | Value | Change | Enums | | --- | --- | --- | | `sepa_credit_transfer_instant` | Added | [V2.MoneyManagement.ReceivedCredit.bank_transfer.originating_bank_account.iban.network](/api/v2/money-management/received-credits/object?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer-originating_bank_account-iban-network), [V2.MoneyManagement.ReceivedCredit.bank_transfer.sepa_bank_account.network](/api/v2/money-management/received-credits/object?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer-sepa_bank_account-network) | #### Go | Value | Change | Enums | | --- | --- | --- | | `sepa_credit_transfer_instant` | Added | [V2MoneyManagementReceivedCreditBankTransferOriginatingBankAccountIban.Network](/api/v2/money-management/received-credits/object?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer-originating_bank_account-iban-Network), [V2MoneyManagementReceivedCreditBankTransferSepaBankAccount.Network](/api/v2/money-management/received-credits/object?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer-sepa_bank_account-Network) | #### .NET This change doesn’t affect the .NET SDK. ## Upgrade #### REST API 1. [View your current API version](https://docs.stripe.com/workbench/guides.md#view-api-versions) in Workbench. 2. If you use an SDK, upgrade to the corresponding SDK version for this API version. - If you don’t use an SDK, update your [API requests](https://docs.stripe.com/api-versions.md#how-versions-are-specified-in-requests) to include `Stripe-Version: 2026-10-28.preview` 3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 4. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md). #### Ruby 1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench. 2. Upgrade your Ruby SDK to the latest version. 3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 4. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours. Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md). #### Python 1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench. 2. Upgrade your Python SDK to the latest version. 3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 4. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours. Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md). #### PHP 1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench. 2. Upgrade your PHP SDK to the latest version. 3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 4. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours. Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md). #### Java 1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench. 2. Upgrade your Java SDK to the latest version. 3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 4. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours. Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md). #### Node.js 1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench. 2. Upgrade your Node SDK to the latest version. 3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 4. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours. Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md). #### Go 1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench. 2. Upgrade your Go SDK to the latest version. 3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 4. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours. Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md). #### .NET 1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench. 2. Upgrade your .NET SDK to the latest version. 3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 4. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours. Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md). ## Related changes - [Removes deposit insurance eligibility from the create parameters for Financial Accounts](https://docs.stripe.com/changelog/endive/2026-10-28/deposit-insurance-eligibility-financial-accounts-create-removal.md) - [Updates the Financial Addresses v2 API shape](https://docs.stripe.com/changelog/endive/2026-10-28/financial-addresses-v2-api-shape-updates.md) - [Adds support for EUR currency and SEPA networks to Financial Addresses](https://docs.stripe.com/changelog/endive/2026-10-28/financial-addresses-eur-currency-sepa-networks-support.md) - [Updates the Received Credits v2 API shape](https://docs.stripe.com/changelog/endive/2026-10-28/received-credits-v2-api-shape-updates.md) - [Updates the settlement currency property on Financial Addresses](https://docs.stripe.com/changelog/endive/2026-10-28/financial-addresses-settlement-currency.md) - [Adds APIs and capabilities for outbound payments and transfers](https://docs.stripe.com/changelog/endive/2026-10-28/outbound-flows-api-updates.md)