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 ninth meeting on 4 March 2026. The approved agenda and minutes are available on this page.
The main topics of this meeting concerned:
- The timeline of the 2026 rulebook change management cycle and the change requests received for the five EPC payment schemes;
- The EPC payment scheme adherence status and projections;
- The end of the unstructured address format usage in mid-November 2026 and feedback of the group members on the matter;
- Monitoring of the confirmation messages with certain timespans under the SEPA Instant Credit Transfer (SCT Inst) scheme, the use of SCT Inst at the Point Of Interaction (POI), and the prospects for and current obstacles to the further use of the SCT Inst scheme by payment end-user groups;
- EPC actions to promote the usage of structured remittance information in EPC payment scheme transactions;
- EPC promotional actions in 2026 for its One-Leg Out Instant Credit Transfer (OCT Inst) scheme;
- The performance of the Verification Of Payee (VOP) scheme, and the timeline and the change requests received for the 2026 VOP scheme rulebook change management cycle;
- The EPC update about the SEPA Request-To-Pay (SRTP) scheme;
- The impact of the future Payment Services Regulation (PSR) on the various EPC payment and payment-related schemes;
- The standardisation of Quick Response (QR)-codes for mobile (instant) credit transfers; and
- Applications from third countries interested to join the geographical scope of the EPC schemes.