Contributing to the future of payments in Europe

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

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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 SEPA 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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We maintain the SEPA schemes and make them evolve in dialogue with our stakeholders

Manage

We maintain the schemes and make them evolve in dialogue with our stakeholders.
 

We define positions and make proposals on payment aspects of European policies and legislations

Envision

We strive for a better harmonisation of other innovative electronic payment instruments, like card and mobile payments.

We define positions and make proposals on payment aspects of European policies and legislations

Influence

We define positions and make proposals on payment aspects of European policies and legislations.

4,000+ scheme participants

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

Become a scheme participant and consult the Register

520+
million citizens

117
billion electronic payments per year

34
European countries

About

SEPA (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 SEPA, which is driven by European institutions.

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Featured

Contribute to shape the future of European payments!

We call for candidates to join our two stakeholders’ forums, the Scheme End-User Forum (SEUF) and the EPC Scheme Technical Forum (ESTF).

Who can apply for membership to these forums?

Representatives of European associations of end-users of the schemes and technical players can submit their application. The deadline is 30 June 2017.

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POLL

In your opinion, for which situation would the SEPA Instant Credit Transfer scheme be the most useful?

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