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The EPC launches the SEPA Credit Transfer and SEPA Direct Debit rulebook consultation

All stakeholders are invited to have their say on these change requests from 13 March to 10 June 2018.

Document Library

Find the payment scheme rulebooks, implementation guidelines, clarification papers and other technical documents.

Latest document

23 May 2018
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Mobile, Multi-stakeholder group on mobile contactless SEPA card payments (MSG MCP)

We harmonise payments in Europe

We help make it possible for citizens and businesses to pay with the same ease and convenience across the Single Euro Payments Area() as in their home country. We design and manage the payment schemes, which are the rules underlying most of the euro credit transfers and direct debits in Europe. We represent payment service providers () on all European payment issues and contribute to shaping the future European payments landscape.

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4,000+ scheme participants

must formally adhere to the schemes in order to offer their customers the ease and convenience of transactions.

Become a scheme participant and consult the Register

520+
million citizens

122
billion electronic payments per year

34
European countries

About

(Single Euro Payments Area) is a European Union payments integration initiative to harmonise electronic euro payments in Europe. Thanks to this project, citizens and companies can use the same payment instruments – in particular, credit transfers, direct debits and cards – when making euro transactions across Europe as when paying in euros in their home country. The supports and promotes , which is driven by European institutions.

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Featured

Get ready for the Instant Credit Transfer scheme

The Instant Credit Transfer ( Inst) scheme is effective since November 2017; it will significantly change payments as we know them.

How to participate?

All are encouraged to adhere rapidly to the Inst scheme via the website as receivers of transactions and / or payers in order to give it momentum and meet customer needs.

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POLL

According to you, by when in Europe it will be a common practice to no longer check-out at physical merchants’? (i.e. payments taking place in the background):

Choices

SEPA INSTANT CREDIT TRANSFER SCHEME

Already 0 payment service
providers have joined the scheme,
i.e. 0% of European PSPs.

psp-map EUROPE SPAIN NUMBER NORWAY NUMBER FINLAND NUMBER ESTONIA NUMBER SWEDEN NUMBER LATVIA NUMBER BELARUS NUMBER LITHUANIA NUMBER GERMANY NUMBER POLAND NUMBER ICELAND NUMBER DENMARK NUMBER UNITED KINGDOM NUMBER IRELAND NUMBER NETHERLANDS NUMBER SWITZERLAND NUMBER LUXEMBOURG NUMBER BELGIUM NUMBER SPAIN NUMBER PORTUGAL NUMBER FRANCE NUMBER LICHTENSTEIN NUMBER ITALY NUMBER UKRAINE NUMBER SAN MARINO NUMBER MONACO NUMBER MOLDOVA NUMBER TURKEY NUMBER ROMANIA NUMBER BULGARIA NUMBER GREECE NUMBER BOSNIA AND HERZEGOVINIA NUMBER SERBIA NUMBER HUNGARY NUMBER SLOVAKIA NUMBER SLOVENIA NUMBER CROATIA NUMBER AUSTRIA NUMBER CZECHIA NUMBER MALTA NUMBER
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12
COUNTRIES