The European Payments Council (EPC) published today the yearly update of the “Payment Threats and Fraud Trends Report” which provides an overview of the most important threats and other “fraud enablers” in the payments landscape, with focus on recent attacks and outline of the broader attack vector

Today, the European Payments Council (EPC) has published version 4.0 of the SEPA Request-to-Pay (SRTP) scheme rulebook, which covers the set of operating rules and technical elements (including messages) that allow a Payee to request the initiation of a payment from a Payer in a wide range of physic

Today the European Payments Council (EPC) published the five 2025 EPC payment scheme rulebooks and the related Implementation Guidelines (IGs). These rulebooks enter into force on 5 October 2025.Exceptional entry-into-force date in OctoberThis exceptional October entry-into-force date – deviating fr

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council.Since its launch in 2020, the Confirmation of Payee (CoP) service has transformed the landscape of payment security and user confidence in the United Kingdom (UK). This ar

Today the European Payments Council (EPC) Board has approved the inclusion of Montenegro and Albania in the geographical scope of the Single Euro Payments Area (SEPA) payment schemes. The geographical scope of the SEPA payment schemes now covers 38 countries.As a result, all existing EPC paymen

The European Payments Council (EPC) has officially released the updated Application Programming Interface (API) security framework aimed at bolstering the security-related requirements for participants in the Verification Of Payee (VOP), SEPA Request-to-Pay (SRTP), and SEPA Payment Account Access (S

Today the European Payments Council (EPC) has published the Verification Of Payee (VOP) Application Programming Interface (API) Specifications, which set out the rules for implementing VOP-related APIs in accordance with version 1.0 of the VOP scheme rulebook. These specifications will take effect o

Following a public consultation, the European Payments Council (EPC) has officially issued the first version of the Verification of Payee (VOP) scheme rulebook. This rulebook is designed to support payment service providers (PSPs) across the Single Euro Payments Area (SEPA) in meeting the new regula

The European Payments Council (EPC) multi-stakeholder group on mobile-initiated SEPA (instant) credit transfers (MSCTs) has published the third release of its "Mobile Initiated SEPA (Instant) Credit Transfer and Technical  Interoperability Guidance" This updated version follows a public consult

The views expressed in the below reports are solely those of the authors and should not be attributed to the European Payments Council.In the third quarter of 2024, we gathered a series of reports focused on the payments industry. This collection not only explores the future and evolution of payment