Following the extension of their mandate, the ad-hoc multi-stakeholder group on mobile initiated (instant) credit transfers (MSCTs) has developed a document (EPC031-21) on an analysis of new MSCT use cases for customer-to-business payment contexts for instant based on Quick Response (QR) -codes, Near-Field-Communication (NFC) and Bluetooth Low Energy (BLE) technology, such as those involving a Payment Initiation Service Provider (PISP) or a Collecting (CPSP - as a collector of the transactions on behalf of the merchant), MSCT transactions with unknown final transaction amount and so-called offline MSCT use cases whereby the consumer device has no internet connection during the transaction.

The document further analyses the technical interoperability aspects of MSCT models involving a PISP or a CPSP, both for MSCTs based on payee- or payer-presented data and the impact on the technical interoperability requirements identified in the dedicated documents “Technical interoperability of MSCTs based on payee-presented data” (EPC312-19) and “Technical interoperability of MSCTs based on payer-presented data (EPC096-20), published in 2020.

In order to help developing a successful MSCT ecosystem that provides value for all, it is very important to gather industry opinion and feedback regarding this new document. The multi-stakeholder group values your opinion and welcomes any feedback and comments that you may have regarding the document, using the dedicated questionnaire (MSG MSCT 010-21v1.0). 

Feedback should be sent to [email protected] by 7 May 2021.

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