Publications

The European Payments Council (EPC) publishes today the third version of the SEPA Request-to-Pay (SRTP) scheme rulebook which takes into account the comments received in response to the three-month public consultation on the proposed change requests relating to the second version of the SRTP scheme

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

Today, the European Payments Council (EPC) has published version 1.1 of the 2023 EPC SEPA Instant Credit Transfer rulebook and related document on the SCT Inst maximum amount. This rulebook version replaces with immediate effect version 1.0 of the 2023 SCT Inst rulebook published in May 2022. It hig

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 the below reports are solely those of the authors and should not be attributed to the European Payments Council. Getting lost in the flow of new reports? During the third quarter of 2022, the EPC compiled a list of payment related reports that you can check out and download

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 multi-stakeholder group on Mobile Initiated (instant) SEPA Credit Transfers (MSG MSCT), which is facilitated by the European Payments Council, has developed a new document on the specification of Quick-Response (QR)-codes for Mobile (Instant) Credit Transfers (MCTs)  for submission to ISO (

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

Monei, a Spanish payment service provider just joined the Single Euro Payments Area (SEPA) Request-to-Pay (SRTP) scheme. This is good news for this European Payments Council (EPC) scheme which registered its first participant in April this year. Other applications for participation are in the pipeli

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

As part of the development of the SEPA Payment Account Access (SPAA) scheme, the European Payments Council (EPC) selected PricewaterhouseCoopers Business Services S.r.l. (‘PwC Italy’) as Economic Consultant.  In June 2021 the Euro Retail Payments Board (ERPB) invited the EPC to take up the r

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

The views expressed in the below reports are solely those of the authors and should not be attributed to the European Payments Council. Getting lost in the flow of new reports? During the second quarter of 2022, the EPC compiled a list of payment related reports that you can check out and downloa

The EPC now counts among its members one additional organisation: •    Fintecture (based in France) The EPC now represents 77 payment service providers and their associations. Two further organisations have the status of ‘associate member’.  

The European Payments Council (EPC) publishes today the default Single Euro Payments Area (SEPA) Request-to Pay (SRTP) related application programming interface (API) specifications based on version 2.1 of the SRTP scheme rulebook, which becomes effective on 30 June 2022. It is important to menti

The European Payments Council (EPC) publishes today the final version of the Standardisation of Quick-Response (QR)-codes for mobile initiated SEPA (instant) credit transfers (MSCTs). This document standardises a payee- and a payer-presented QR-code for all types of MSCTs, i.e. all payment contexts:

Today the European Payments Council (EPC) is launching a public consultation on the draft rulebook of its new SEPA Payment Account Access (SPAA) Scheme and on a related document concerning a possible additional ‘premium’ functionality that would allow asset brokers to request a payment with transact

During the past two months, the European Payments Council (EPC) invited professionals working in the payments industry to answer the following question: “In your opinion, which proximity technology will see the largest adoption for instant payments at the physical point of interaction in the coming