The European Payments Council (EPC) has launched a public consultation to explore  how it can best support and facilitate the use of SEPA Instant Credit Transfer (SCT Inst) at the Point Of Interaction (POI).

Regulatory Background

The Instant Payments Regulation amending the Single Euro Payments Area (SEPA) Regulation makes that the large majority of Payment Service Providers (PSPs) across the European Economic Area (EEA) will adhere to the SCT Inst scheme ultimately by July 2027.

With the SCT Inst scheme obtaining an EEA-wide reach, some stakeholders have launched or consider launching payment solutions based on the SCT Inst scheme at the POI, while other stakeholders see the use of the SCT Inst scheme at the POI as an opportunity for several payment use cases.

About the consultation

Through this consultation, the EPC wishes to collect feedback, requirements, suggestions, and/or issues that relevant stakeholders may have when they want to use, offer, develop and/or operate SCT Inst scheme-based payment solutions at the POI. This input will allow the EPC gain a deeper understanding of the specific needs or suggestions of each stakeholder concerned, and to determine whether the EPC should undertake any relevant steps to facilitate the use of the SCT Inst scheme at the POI.

How to Participate

Interested stakeholders are kindly invited to complete and submit their input through the response form EPC 129-25 below via email to [email protected] by 30 May 2025, midnight Brussels time.

Next Steps

The EPC will provide individual feedback to all contributors by the end of October 2025 at the latest. Depending on the input received, the EPC may consider holding a dedicated workshop or similar forum with relevant stakeholder representatives to explore the findings further and discuss the most effective ways  to facilitate the use of the SCT Inst instrument at the POI.