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 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 transactions.

Become a scheme participant and consult the Register

520+
million citizens

117
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 will be effective from 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

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

  • For consumer-to-business payments, when small businesses require to be paid on the spot (ex: moving company, antique dealer…) (48%)
  • For person-to-person payments (35%)
  • For transactions between corporates (14%)
  • For government-related payments (taxes…) (1%)
  • Other (2%)