Publications

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council or the European Commission. On June 28, 2023, the European Commission (EC) published a set of new legislative proposals, notably for a Third Payment Services Directive

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. Russia invaded Ukraine on 24 February 2022. Ever since, martial law has made ensuring the country’s economic and financial stability a challenge for the National Bank

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. Croatia became the 20th EU Member State to join the euro on 1 January this year. Since the end of June, the SEPA Instant Credit Transfer (SCT Inst) scheme has been in

The European Payments Council (EPC) is glad to count among its members one additional organisation: •    Insignia Cards Limited (Based in Malta) The EPC now represents 78 payment service providers and their associations.   

Today the European Payments Council (EPC) published the Customer-to-Payment Service Provider (PSP) (C2PSP) and the Inter-PSP implementation guidelines (IGs) based on version 1.1 of the 2023 One-Leg Out Instant Credit Transfer (OCT Inst) rulebook. Version 1.1 of the 2023 OCT Inst rulebook has also be

Today the European Payments Council (EPC) is publishing the “Interoperability of mobile initiated SEPA (instant) credit transfers (MSCTs) based on Near Field Communication (NFC) or Bluetooth Low Energy (BLE)” document that has been prepared by the multi-stakeholder group on Mobile Initiated (instant

Today the European Payments Council (EPC) publishes the updated version (1.1) of the SEPA Payment Account Access (SPAA) scheme rulebook, which replaces with immediate effect version 1.0 (published in November 2022). Version 1.1 of the rulebook will come into effect on 30 November 2023. The main c

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. We continue our series of interviews focusing on sustainability in the payments industry with the contribution of Valerie Nowak, the Chief Product and Innovation Offic

Today the European Payments Council (EPC) has published the new versions of the SEPA Request-to-Pay (SRTP) scheme rulebook as well as the rulebook related clarification paper. The SEPA Request-to-Pay scheme rulebook version v3.1 Version 3.1 of the SRTP scheme rulebook, includes some clarificat

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. The Smart Payment Association (SPA) is the trade body of the cards and mobile payments industry and addresses the challenges of a fast-evolving payment ecosystem, prom

On 28 March 2023, the European Payment Council (EPC) published the first version of its One-Leg Out (OLO) Instant Credit Transfer (OCT Inst) scheme rulebook. This new scheme allows payment service providers (PSPs) to handle the Euro Leg of an international cross-border and/or cross currency (instant

On 30 November 2020, the European Payment Council (EPC) published the first version of its Single Euro Payments Area (SEPA) Request-To-Pay scheme (SRTP) rulebook. Today the scheme is set to take off and already counts some registered participants, as well as new ones that are going to launch soon. W

The European Payments Council (EPC) announces that effective as of today, any technical solution provider (TSP) may undergo a SEPA Request to Pay (SRTP) homologation A duly homologated TSP will become a “Referenced Technical Solution Provider” (RTSP) and feature on a list published on the EPC websit

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. Giorgio Andreoli took up the post of Director General of the European Payments Council (EPC) on 1 April 2023. We interviewed him to shed light on his first impressions

The views expressed in the below reports are solely those of the authors and should not be attributed to the European Payments Council. During the first quarter of 2023, we gathered a list of payment related reports that shine a spotlight on payments’ future and trends as well mobile payments and

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. The European payment landscape is going through a considerable transformation due to technological developments, entry by new actors and regulatory changes. We intervi

Today the European Payments Council (EPC) publishes the first One-Leg Out Instant Credit Transfer (OCT Inst) scheme rulebook. Version 1.0 of the 2023 OCT Inst scheme rulebook focuses exclusively on the Euro Leg of international instant credit transfer-based payment transactions. About the scheme

Today the European Payments Council (EPC) is launching a public request for information (RFI) for an Operational Scheme Manager (OSM). Background In the context of the SEPA Payment Account Access (SPAA) and the SEPA Request to Pay (SRTP) schemes, the use of application programming interfaces (

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. We continue our series of interviews focusing on sustainability in the payments industry with the contribution of Stephen King, Vice President, Sustainability Solution