@jomo Hmm, not really. If you receive your voucher today at 22:00, you have 24h to buy your ticket and then another 24h to pay your ticket, in order to catch the fastest possible replication cycle.
Which means that if you buy & pay immediately, your payment has 48h time to arrive in order for you to catch the fastest replication, which is plenty for 90+% of SEPA transfers, making it so that SCT INST and credit cards hold no real/big advantage to people within SEPA.
@jomo The fact that your order has to be 24 hours old before it can be considered for replication means that *everybody* has to wait at least 48 hours between a voucher being sent out and its child voucher being sent out, so I’d say “fewer vouchers” may still be true if your entire group doesn’t use instant payment, but “considerably fewer” possible less so.