diff --git a/src/main/java/bisq/core/payment/ReceiptPredicates.java b/src/main/java/bisq/core/payment/ReceiptPredicates.java
index 6179213a..e103335c 100644
--- a/src/main/java/bisq/core/payment/ReceiptPredicates.java
+++ b/src/main/java/bisq/core/payment/ReceiptPredicates.java
@@ -100,11 +100,13 @@ boolean isMatchingCurrency(Offer offer, PaymentAccount account) {
         return codes.contains(offer.getCurrencyCode());
     }
 
-    boolean isSepaRelated(Offer offer, PaymentAccount account) {
-        PaymentMethod offerPaymentMethod = offer.getPaymentMethod();
-        return (account instanceof SepaAccount
-                || account instanceof SepaInstantAccount)
-                && (offerPaymentMethod.equals(PaymentMethod.SEPA)
-                || offerPaymentMethod.equals(PaymentMethod.SEPA_INSTANT));
+    boolean isMatchingSepaOffer(Offer offer, PaymentAccount account) {
+        boolean isSepa = account instanceof SepaAccount;
+        boolean isSepaInstant = account instanceof SepaInstantAccount;
+        return offer.getPaymentMethod().equals(PaymentMethod.SEPA) && (isSepa || isSepaInstant);
+    }
+
+    boolean isMatchingSepaInstant(Offer offer, PaymentAccount account) {
+        return offer.getPaymentMethod().equals(PaymentMethod.SEPA_INSTANT) && account instanceof SepaInstantAccount;
     }
 }
diff --git a/src/main/java/bisq/core/payment/ReceiptValidator.java b/src/main/java/bisq/core/payment/ReceiptValidator.java
index bd7ca8ba..e4997c92 100644
--- a/src/main/java/bisq/core/payment/ReceiptValidator.java
+++ b/src/main/java/bisq/core/payment/ReceiptValidator.java
@@ -56,13 +56,20 @@ boolean isValid() {
         }
 
         // We have same country
-        if (predicates.isSepaRelated(offer, account)) {
-            // Sepa or Sepa Instant
+        if (predicates.isMatchingSepaOffer(offer, account)) {
+            // Sepa offer and taker account is Sepa or Sepa Instant
             return true;
-        } else if (predicates.isOfferRequireSameOrSpecificBank(offer, account)) {
+        }
+
+        if (predicates.isMatchingSepaInstant(offer, account)) {
+            // Sepa Instant offer and taker account
+            return true;
+        }
+
+        if (predicates.isOfferRequireSameOrSpecificBank(offer, account)) {
             return predicates.isMatchingBankId(offer, account);
-        } else {
-            return isEqualPaymentMethods;
         }
+
+        return isEqualPaymentMethods;
     }
 }
diff --git a/src/main/java/bisq/core/trade/Contract.java b/src/main/java/bisq/core/trade/Contract.java
index 4d60465a..2ec150d2 100644
--- a/src/main/java/bisq/core/trade/Contract.java
+++ b/src/main/java/bisq/core/trade/Contract.java
@@ -20,6 +20,7 @@
 import bisq.core.monetary.Price;
 import bisq.core.offer.OfferPayload;
 import bisq.core.payment.payload.PaymentAccountPayload;
+import bisq.core.payment.payload.PaymentMethod;
 import bisq.core.proto.CoreProtoResolver;
 
 import bisq.network.p2p.NodeAddress;
@@ -110,12 +111,15 @@ public Contract(OfferPayload offerPayload,
         this.makerMultiSigPubKey = makerMultiSigPubKey;
         this.takerMultiSigPubKey = takerMultiSigPubKey;
 
-        // PaymentMethod need to be the same
-        checkArgument(makerPaymentAccountPayload.getPaymentMethodId()
-                        .equals(takerPaymentAccountPayload.getPaymentMethodId()),
-                "payment methods of maker and taker must be the same.\n" +
-                        "makerPaymentMethodId=" + makerPaymentAccountPayload.getPaymentMethodId() + "\n" +
-                        "takerPaymentMethodId=" + takerPaymentAccountPayload.getPaymentMethodId());
+        String makerPaymentMethodId = makerPaymentAccountPayload.getPaymentMethodId();
+        String takerPaymentMethodId = takerPaymentAccountPayload.getPaymentMethodId();
+        // For SEPA offers we accept also SEPA_INSTANT takers
+        // Otherwise both ids need to be the same
+        boolean result = (makerPaymentMethodId.equals(PaymentMethod.SEPA_ID) && takerPaymentMethodId.equals(PaymentMethod.SEPA_INSTANT_ID)) ||
+                makerPaymentMethodId.equals(takerPaymentMethodId);
+        checkArgument(result, "payment methods of maker and taker must be the same.\n" +
+                "makerPaymentMethodId=" + makerPaymentMethodId + "\n" +
+                "takerPaymentMethodId=" + takerPaymentMethodId);
     }
 
 
diff --git a/src/test/java/bisq/core/payment/ReceiptPredicatesTest.java b/src/test/java/bisq/core/payment/ReceiptPredicatesTest.java
index d6a27602..e6de2beb 100644
--- a/src/test/java/bisq/core/payment/ReceiptPredicatesTest.java
+++ b/src/test/java/bisq/core/payment/ReceiptPredicatesTest.java
@@ -53,19 +53,23 @@ public void testIsMatchingCurrency() {
     }
 
     @Test
-    public void testIsSepaRelated() {
+    public void testIsMatchingSepaOffer() {
         Offer offer = mock(Offer.class);
         PaymentMethod.SEPA = mock(PaymentMethod.class);
         when(offer.getPaymentMethod()).thenReturn(PaymentMethod.SEPA);
 
-        assertTrue(predicates.isSepaRelated(offer, mock(SepaInstantAccount.class)));
-        assertTrue(predicates.isSepaRelated(offer, mock(SepaAccount.class)));
+        assertTrue(predicates.isMatchingSepaOffer(offer, mock(SepaInstantAccount.class)));
+        assertTrue(predicates.isMatchingSepaOffer(offer, mock(SepaAccount.class)));
+    }
 
+    @Test
+    public void testIsMatchingSepaInstant() {
+        Offer offer = mock(Offer.class);
         PaymentMethod.SEPA_INSTANT = mock(PaymentMethod.class);
         when(offer.getPaymentMethod()).thenReturn(PaymentMethod.SEPA_INSTANT);
 
-        assertTrue(predicates.isSepaRelated(offer, mock(SepaInstantAccount.class)));
-        assertTrue(predicates.isSepaRelated(offer, mock(SepaAccount.class)));
+        assertTrue(predicates.isMatchingSepaInstant(offer, mock(SepaInstantAccount.class)));
+        assertFalse(predicates.isMatchingSepaInstant(offer, mock(SepaAccount.class)));
     }
 
     @Test
diff --git a/src/test/java/bisq/core/payment/ReceiptValidatorTest.java b/src/test/java/bisq/core/payment/ReceiptValidatorTest.java
index 6ed342cb..93a74e4f 100644
--- a/src/test/java/bisq/core/payment/ReceiptValidatorTest.java
+++ b/src/test/java/bisq/core/payment/ReceiptValidatorTest.java
@@ -79,14 +79,25 @@ public void testIsValidWhenNotMatchingCodes() {
     }
 
     @Test
-    public void testIsValidWhenSepaRelated() {
+    public void testIsValidWhenSepaOffer() {
         when(predicates.isMatchingCurrency(offer, account)).thenReturn(true);
         when(predicates.isMatchingCountryCodes(offer, account)).thenReturn(true);
         when(predicates.isEqualPaymentMethods(offer, account)).thenReturn(false);
-        when(predicates.isSepaRelated(offer, account)).thenReturn(true);
+        when(predicates.isMatchingSepaOffer(offer, account)).thenReturn(true);
 
         assertTrue(validator.isValid());
-        verify(predicates).isSepaRelated(offer, account);
+        verify(predicates).isMatchingSepaOffer(offer, account);
+    }
+
+    @Test
+    public void testIsValidWhenSepaInstant() {
+        when(predicates.isMatchingCurrency(offer, account)).thenReturn(true);
+        when(predicates.isMatchingCountryCodes(offer, account)).thenReturn(true);
+        when(predicates.isEqualPaymentMethods(offer, account)).thenReturn(false);
+        when(predicates.isMatchingSepaInstant(offer, account)).thenReturn(true);
+
+        assertTrue(validator.isValid());
+        verify(predicates).isMatchingSepaOffer(offer, account);
     }
 
     @Test
@@ -96,7 +107,8 @@ public void testIsValidWhenSpecificBankAccountAndOfferRequireSpecificBank() {
         when(predicates.isMatchingCurrency(offer, account)).thenReturn(true);
         when(predicates.isEqualPaymentMethods(offer, account)).thenReturn(true);
         when(predicates.isMatchingCountryCodes(offer, account)).thenReturn(true);
-        when(predicates.isSepaRelated(offer, account)).thenReturn(false);
+        when(predicates.isMatchingSepaOffer(offer, account)).thenReturn(false);
+        when(predicates.isMatchingSepaInstant(offer, account)).thenReturn(false);
         when(predicates.isOfferRequireSameOrSpecificBank(offer, account)).thenReturn(true);
         when(predicates.isMatchingBankId(offer, account)).thenReturn(false);
 
@@ -110,7 +122,8 @@ public void testIsValidWhenSameBankAccountAndOfferRequireSpecificBank() {
         when(predicates.isMatchingCurrency(offer, account)).thenReturn(true);
         when(predicates.isEqualPaymentMethods(offer, account)).thenReturn(true);
         when(predicates.isMatchingCountryCodes(offer, account)).thenReturn(true);
-        when(predicates.isSepaRelated(offer, account)).thenReturn(false);
+        when(predicates.isMatchingSepaOffer(offer, account)).thenReturn(false);
+        when(predicates.isMatchingSepaInstant(offer, account)).thenReturn(false);
         when(predicates.isOfferRequireSameOrSpecificBank(offer, account)).thenReturn(true);
         when(predicates.isMatchingBankId(offer, account)).thenReturn(false);
 
@@ -124,7 +137,8 @@ public void testIsValidWhenSpecificBankAccount() {
         when(predicates.isMatchingCurrency(offer, account)).thenReturn(true);
         when(predicates.isEqualPaymentMethods(offer, account)).thenReturn(true);
         when(predicates.isMatchingCountryCodes(offer, account)).thenReturn(true);
-        when(predicates.isSepaRelated(offer, account)).thenReturn(false);
+        when(predicates.isMatchingSepaOffer(offer, account)).thenReturn(false);
+        when(predicates.isMatchingSepaInstant(offer, account)).thenReturn(false);
         when(predicates.isOfferRequireSameOrSpecificBank(offer, account)).thenReturn(true);
         when(predicates.isMatchingBankId(offer, account)).thenReturn(true);
 
@@ -138,7 +152,8 @@ public void testIsValidWhenSameBankAccount() {
         when(predicates.isMatchingCurrency(offer, account)).thenReturn(true);
         when(predicates.isEqualPaymentMethods(offer, account)).thenReturn(true);
         when(predicates.isMatchingCountryCodes(offer, account)).thenReturn(true);
-        when(predicates.isSepaRelated(offer, account)).thenReturn(false);
+        when(predicates.isMatchingSepaOffer(offer, account)).thenReturn(false);
+        when(predicates.isMatchingSepaInstant(offer, account)).thenReturn(false);
         when(predicates.isOfferRequireSameOrSpecificBank(offer, account)).thenReturn(true);
         when(predicates.isMatchingBankId(offer, account)).thenReturn(true);
 
@@ -152,7 +167,9 @@ public void testIsValidWhenNationalBankAccount() {
         when(predicates.isMatchingCurrency(offer, account)).thenReturn(true);
         when(predicates.isEqualPaymentMethods(offer, account)).thenReturn(true);
         when(predicates.isMatchingCountryCodes(offer, account)).thenReturn(true);
-        when(predicates.isSepaRelated(offer, account)).thenReturn(false);
+        when(predicates.isMatchingSepaOffer(offer, account)).thenReturn(false);
+        when(predicates.isMatchingSepaOffer(offer, account)).thenReturn(false);
+        when(predicates.isMatchingSepaInstant(offer, account)).thenReturn(false);
         when(predicates.isOfferRequireSameOrSpecificBank(offer, account)).thenReturn(false);
 
         assertTrue(new ReceiptValidator(offer, account, predicates).isValid());
@@ -169,7 +186,8 @@ public void testIsValidWhenWesternUnionAccount() {
         when(predicates.isMatchingCurrency(offer, account)).thenReturn(true);
         when(predicates.isEqualPaymentMethods(offer, account)).thenReturn(true);
         when(predicates.isMatchingCountryCodes(offer, account)).thenReturn(true);
-        when(predicates.isSepaRelated(offer, account)).thenReturn(false);
+        when(predicates.isMatchingSepaOffer(offer, account)).thenReturn(false);
+        when(predicates.isMatchingSepaInstant(offer, account)).thenReturn(false);
         when(predicates.isOfferRequireSameOrSpecificBank(offer, account)).thenReturn(false);
 
         assertTrue(new ReceiptValidator(offer, account, predicates).isValid());
@@ -180,7 +198,8 @@ public void testIsValidWhenWesternIrregularAccount() {
         when(predicates.isMatchingCurrency(offer, account)).thenReturn(true);
         when(predicates.isEqualPaymentMethods(offer, account)).thenReturn(true);
         when(predicates.isMatchingCountryCodes(offer, account)).thenReturn(true);
-        when(predicates.isSepaRelated(offer, account)).thenReturn(false);
+        when(predicates.isMatchingSepaOffer(offer, account)).thenReturn(false);
+        when(predicates.isMatchingSepaInstant(offer, account)).thenReturn(false);
         when(predicates.isOfferRequireSameOrSpecificBank(offer, account)).thenReturn(false);
 
         assertTrue(validator.isValid());