Minutes of the sixteenth meeting of the ad-hoc multi-stakeholder group on mobile contactless SEPA card payments (October 2018)

The ad hoc multi-stakeholder group for the update of the Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines held its sixteenth meeting on 12 October 2018. 

The main aim of the meeting was to resolve the issues detected during the finalisation phase of the White paper on mobile SEPA card-based proximity payments (MCPPs), related to MCPPs based on merchant-presented Quick Response (QR)-codes and the applicability of the SEPA Cards Standardisation Volume to this type of payments. The group made the appropriate changes to certain MCPP use cases so that they could be processed as card payments  according to the SEPA Cards Standardisation Volume. However, the group also concluded that these use cases require a model whereby both the consumer and merchant/acquirer are registered with the same MCPP service provider. To create real “open” merchant-presented QR-code solutions, further standardisation would be needed for the processing of these payments (message and data formats).

The rest of the meeting was devoted to a last review of the remaining open issues. It was agreed to finalise the document and obtain the necessary approvals for a three-months public consultation by end October 2018.

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