Insights

The views expressed in this article are solely those of the authors and should not be attributed to the European Payments Council. Single Euro Payments Area (SEPA) Payment Account Access (SPAA) is the newest European Payments Council (EPC) scheme. SPAA covers messaging functionalities allowing th

This time of the year is very special for the European Payments Council (EPC): the Single Euro Payments Area (SEPA) Instant credit transfer (SCT Inst) scheme is celebrating its fifth anniversary! To mark this occasion, we are sharing the most significant achievements of the SCT Inst scheme, its oppo

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. On 26 October the European Commission (EC) adopted a legislative proposal on instant payments in euro, fulfilling its commitment of the 2020 Retail Payments Strategy f

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. The Nordic Payments Council (NPC) plays a critical role in the management of Nordic payment schemes. Newly appointed Secretary General Camilla Åkerman offers us her vi

The views expressed in this article are solely those of the authors and should not be attributed to the European Payments Council. The European retail payments landscape has changed due to a multitude of reasons: innovation, regulatory developments, the Covid-19 pandemic and changing consumer hab

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 European payment landscapes with the profile of Ireland, and we interviewed Gillian Byrne Head of Payments, at Banking & Payments Federat

The views expressed in this article are solely those of the authors and should not be attributed to the European Payments Council. In June this year, the European Payments Council (EPC) published the final version of the Standardisation of Quick-Response (QR) codes for mobile initiated SEPA (inst

This year is very special for the European Payments Council (EPC), which celebrates its 20th anniversary. To mark this occasion, the EPC organised a conference on 16 June 2022 with the following theme: “Integrated, innovative and competitive European payments: a generation’s effort or a never-ending

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. The Polish payment landscape is characterised both by traditional practices such as cash, which remains one of the dominant methods of payment, and by innovation and d

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. The European Commission (EC) is now working on electronic identification (eID) and its further harmonisation across Europe as secure eID should be an essential feature

We continue our series of articles for the 20th anniversary of the European Payments Council (EPC). This time we interviewed Rita Camporeale, EPC Vice-Chair. We wanted to hear her thoughts on European payments and more particularly on how the EPC has changed over the years, what lessons have been le

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. Single Euro Payments Area (SEPA) Request-to-Pay (SRTP) is one of the most recent European Payments Council (EPC) schemes. Sami Karhunen, CEO of the first scheme partic

The views expressed in this article are solely those of the authors and should not be attributed to the European Payments Council.   Two years ago, the Brazilian Central Bank decided to launch Pix, an instant payment scheme that the bank developed, manages, operates, and owns. Since its lau

This year is very special for the European Payments Council (EPC), which celebrates its 20th anniversary. To mark this occasion, we have interviewed Javier Santamaria, who has been active within the EPC since its creation in 2002 and became Chair in June 2012. We wanted to hear his thoughts on Europ

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. Since January 2022, the SEPA Instant Credit Transfer (SCT Inst) scheme has been in use in Slovakia, where three payment service providers (PSPs) have joined the scheme

The world is going contactless. As smartphones spread and our economy goes digital, uptake of contactless payments has accelerated – including account-based mobile payments made using Quick-Response codes, or QR-codes for short. On 16 February 2022, we launched an eight-week public consultation on a

On 18 January, we launched a 90-day public consultation on the [Instant] Euro One-Leg Out Credit Transfer ([Inst] Euro OCT) arrangement rulebook. It aims to facilitate the processing of international (instant) credit transfers in euros between SEPA and non-SEPA countries. We interviewed the drafter

The views expressed in this article are solely those of the authors and should not be attributed to the European Payments Council.  At its 24 November 2021 meeting, the EPC Board accepted the Euro Retail Payments Board’s (ERPB) invitation to act as Scheme Manager for a new Single Euro Paymen

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council.  This time we interviewed Narinda You, our former Vice-Chair and former Head of Strategy and Market Practice at Crédit Agricole Payment Services. We were curious

The Single Euro Payments Area (SEPA) Request-to-Pay (SRTP) scheme managed by the European Payments Council (EPC) covers a set of operating rules and technical elements (including messages) that allow a Payee to request digitally the initiation of a payment from a Payer in a wide range of physical or