The Scheme End-User Multi-Stakeholder Group (SEU MSG) is a dialogue channel between the European Payments Council ( ) and representatives of European associations of end-users of the ’s Single Euro Payments Area ( ) payment schemes and payment-related schemes, such as consumers, corporate treasurers, e-merchants and retailers.

The SEU MSG held its second meeting on 12 September 2022. The approved agenda and minutes are available on this page.

During this meeting, the SEU MSG agreed on a formal SEU MSG position on all Request-To-Pay ( ) scheme rulebook change requests which the received by the end of February 2022. 
These change requests had been subject to a public consultation from the end of May to the end of August 2022. For defining its position, the SEU MSG considered the input submitted by the various stakeholders during this public consultation.

The SEU MSG discussed the scheme implementation status at that point in time and any current obstacles for the further use of that scheme by payment end-user groups.

The SEU MSG members also expressed their positions on a suggestion from a stakeholder for a one-hour downtime period for the Instant Credit Transfer ( ) scheme when that scheme migrates on 19 November 2023 from the 2009 version of the ISO 20022 standard-based XML payment messages to the 2019 version of that same standard.

The SEU MSG further discussed the scheme implementation status at that point in time. The main topics were the scheme adherence status and projections, the SEU MSG member views on a need to increase the current maximum amount or even to abolish it, and the prospects and current obstacles for the further use of the scheme by payment end-users.

The SEU MSG members reviewed the proposed guidance document for payment service users on how to submit a correct structured address as of the entry-into-force date of the November 2025 payment scheme rulebooks.

The SEU MSG members were also invited to share possible change requests for the 2024 payment scheme rulebook change management cycle.

The SEU MSG was also informed about the status of the ’s Proxy Lookup ( ) scheme and the proposed [Instant] Euro One-Leg Out Credit Transfer ([Inst] Euro OCT) arrangement rulebook.

There are still vacant seats available for representatives of European associations of users. Further information about the criteria to be a candidate, and how to apply for membership, is available in the Terms of Reference of the SEU MSG. Application letters including an up-to-date CV in English should be sent to [email protected].

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