Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines (MCP IIGs)

Implementation Guidelines
Contactless payments
Multi-stakeholder group on mobile contactless SEPA card payments (MSG MCP)

An updated version of this document is subject to public consultation until 26 January 2018.

The 'Mobile Contactless Payments Interoperability Implementation Guidelines' build on 's previous work to focus on the interoperability of processes in the contactless m-payment application lifecycle management, when the m-payment application is stored on one of three secure element (SE) types:

  • UICC (known as SIM card)
  • Embedded SE in the mobile phone itself
  • Removable secure micro SD card inserted in the mobile phone

The document also deals with aspects of a mobile contactless payment transaction and the technical and security requirements.

Version 1.0 of the document had been subject to a public consultation conducted in the second quarter of 2011. The comments collected from this public consultation have been analysed and been taken into account during the preparation of the version 2.0 which was published in November 2011.

On 30 March 2012, the European Union (EU) Regulation (EU) No 260/2012 establishing technical and business requirements for credit transfers and direct debits in euro and amending Regulation (EC) No 924/2009 was published in the Official Journal of the EU.

Recital 5 of this Regulation states that the European Commission should "review the governance arrangements of the whole project before the end of 2012 and where necessary make a proposal. This review should examine, inter alia, the composition of the European Payments Council (), the interaction between the and an overarching governance structure, such as the Council, and the role of this overarching structure."

Pending the outcome of this review process, the decided to suspend any further development related to the Mobile Contactless Payments (MCP) Interoperability Implementation Guidelines (IIGs) awaiting further clarity on the governance of the Council and on the ensuing mandate of the .

The already published (EPC178-10 v2.0) will therefore remain unchanged and no public consultation on a draft new version of the will be launched for the time being. Any possible further maintenance will be considered within the future overarching governance structure.

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