Mandate ad-hoc multi-stakeholder group on Mobile Initiated SEPA Credit Transfers (including SCT Inst) and Table of Content of the Mobile Initiated SEPA Credit Transfer Interoperability Implementation Guidelines

The will facilitate the setting-up of a new ad-hoc multi-stakeholder group (MSG) covering the various sectors involved in the mobile payment ecosystem to develop Mobile Initiated Credit Transfer Interoperability Implementation Guidelines (including Inst) (MSCT IIGs), while leveraging the relevant documentation developed in standardisation and industry bodies. The mandate for this new group may be found on this page. Proposed nominations, including a motivation letter and a description of proven expertise on the topic, are solicited by 15 April 2018 to secretariat@epc-cep.eu.

If more nominations than seats are received, an interest group will be created which would receive the MSG meeting documents and could provide inputs and comments in writing for consideration at the MSG meetings.

The composition of the multi-stakeholder group and the minutes of the MSG meetings will be published on the website.

Through this open approach, payment service providers, technology vendors, retailers, consumers, mobile network operators, other service providers, relevant associations and other interested stakeholders would be directly involved in the development of the document.

The guidelines will focus on interoperability between the different stakeholders involved in the MSCT ecosystem. The aim is to cover both customer-to-business and person-to-person payments. Hereby not only remote payments (browser or app-based) but also in-store payments initiated through a proximity technology such as Quick Response (QR) codes, Bluetooth Low Energy (BLE), Near-Field-Communication (NFC) etc. would be considered. The document is aimed to deal with MSCT use cases, provisioning and lifecycle management, service models, transaction aspects such as customer identification/authentication, transaction authentication, risk management, technical and security infrastructure aspects such as mobile device, payment terminal, storage and selection of the MSCT application, tokenisation, etc. The proposed draft Table of Content for the Mobile Initiated Credit Transfer Interoperability Implementation Guidelines (including Inst) may be found on this page.

These guidelines aim to contribute to a further integration of payments in the European digital market with a special focus on the customer experience: availability and ease of use.

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