The Scheme End-User Multi-Stakeholder Group (SEU MSG) is a dialogue channel between the European Payments Council (EPC) and representatives of European associations of end-users of the EPC payment schemes and payment-related schemes, such as consumers, corporate treasurers, e-merchants and retailers.
The SEU MSG held its eighth meeting on 4 September 2025. The approved agenda and minutes are available on this page.
The main topics of this meeting concerned:
- The latest update on the EPC monitoring of Clearing and Settlement Mechanisms (CSMs) and of Payment Service Providers (PSPs) for the roll-out of the 2025 EPC payment scheme rulebooks by 5 October 2025;
- The allowed address formats as of the 2025 EPC payment scheme rulebooks including the introduction of the hybrid address format, the EPC recommendation for the structured address format, and the end of the unstructured address format usage in November 2026;
- The EPC payment scheme adherence status and projections;
- The prospects for and current obstacles to the further use of the SCT Inst scheme by payment end-user groups;
- The 2025 EPC promotion actions with respect to its One-Leg Out Instant Credit Transfer (OCT Inst) scheme;
- The status of the EPC change request submitted to the International Organization for Standardization (ISO) to foresee message elements for the commercial trade name of the payee and of the payee’s reference party in the ISO 20022 standard;
- Timeline of the 2026 EPC payment scheme rulebooks change management cycle;
- The latest EPC updates about the October 2025 roll-out of the Verification Of Payee (VOP) scheme and of the EPC Directory Service (EDS) to support the functioning of the VOP scheme, and the EPC intentions for a future VOP scheme rulebook change management cycle;
- The latest EPC updates about the SEPA Request-To-Pay (SRTP) scheme;
- The current and expected applications from third countries to become part of the geographical scope of the EPC schemes; and
- The upcoming re-composition process of the SEU MSG.