Publications Inner Nav
16 March 23
API Security Framework
The European Payments Council (EPC) publishes today the Application Programming Interface (API) security framework that lists the minimum security-related requirements applicable to the SEPA Request-to-Pay (SRTP) and SEPA Payment Account Access (SPAA) scheme participants using APIs, whether they rel
13 March 23
Yearly update of the “Guidelines on cryptographic algorithms usage and key management”
The European Payments Council (EPC) published today a new version of the document called “Guidelines on cryptographic algorithms usage and key management”. Its purpose is to provide guidance to the European payment industry in the field of cryptographic algorithms and related key management issues.
03 March 23
SEPA Request-to-Pay Implementation Guidelines Version 3.0
Today the European Payments Council (EPC) published version 3.0 of the Single Euro Payments Area (SEPA) Request-to-Pay (SRTP) Implementation Guidelines (IGs). These IGs set out the rules for implementing the relevant ISO 20022 XML message standards based on version 3.0 of the SRTP scheme rulebook
28 February 23
Green payments: sustainability by design for a more viable future
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. Currently, more and more companies talk about sustainability and are starting to take action to change their products to become more environmentally friendly and creat
23 February 23
How the Dutch became the frontrunners in payment transformation
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. The Netherlands has a fascinating and ever-changing payment landscape where card payments are increasing each year and are preferred over cash payments. We wanted to k
27 January 23
How Lithuania’s payment landscape is changing
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 a profile of Lithuania. Lithuania’s payment service provider (PSP) community was among the first to adhere t
23 January 23
Around the web – a compilation of some interesting reports about payments published last quarter
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. Getting lost in the flow of new reports? During the last quarter of 2022, the EPC compiled a list of payment related reports that you can check out and download for fr
20 January 23
The transformation of the UK payments landscape
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 the United Kingdom (UK), and we interviewed Jana Mackintosh, Managing Director for Payments a
11 January 23
Results of the EPC poll on the most effective steps to make payments more sustainable
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, what are the most effective step(s) to make payments more sustainable”: The results were as follows: The results show
10 January 23
Public consultation on draft document “Interoperability of MSCTs based on NFC or BLE”
Today the European Payments Council (EPC) is launching a public consultation on the draft document “Interoperability of mobile initiated SEPA (instant) credit transfers (MSCTs) based on Near Field Communication (NFC) or Bluetooth Low Energy (BLE)”. The consultation will run for ten weeks before a fi
09 January 23
2022 - a year to remember
In the newly published infographic, the EPC reports on how it fulfilled its main objectives in 2022. It has been a busy and rewarding year with several memorable achievements, including: 2313 payment service providers have already joined the SEPA Instant Credit (SCT Inst) scheme: 61% of Europe
22 December 22
Overview of the 2022 public consultation comments on the draft SPAA Scheme Rulebook
Today the European Payments Council (EPC) publishes the overview document which includes the public consultation comments on the draft SPAA scheme rulebook as well as the related responses from the Single Euro Payments Area (SEPA) Payment Account Access Multi-Stakeholder Group (SPAA MSG). This pu
21 December 22
SEPA Payment Account Access scheme: going beyond open banking
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
16 December 22
Public consultation on the extension of SCA related sections in version 1.0 of the SPAA scheme rulebook
Today the European Payments Council (EPC) is launching a public consultation on the extension of sections in version 1.0 of the SEPA Payment Account Access (SPAA) scheme rulebook about the usage of Strong Customer Authentication (SCA). The consultation will run for a 90-calendar day period from 16 D
15 December 22
SRTP related API Security Framework
The European Payments Council (EPC) publishes today the SEPA Request-To-Pay (SRTP) related Application Programming Interface (API) security framework which lists the minimum security-related requirements applicable to the SRTP scheme participants using APIs, and whether they rely on the default EPC
14 December 22
Call for independent candidates for the Payment Scheme Management Board (PSMB)
The EPC Payment Scheme Management Board (PSMB) – the body responsible for the administration and evolution of the EPC Single Euro Payments Area (SEPA) payment schemes will be renewed in 2023. In addition to the seats allocated to scheme participant representatives (maximum 22), three seats (includin
12 December 22
Call for Candidates for the SPL SPG
The SEPA Proxy Lookup Scheme Participants Group (SPL SPG) - the body responsible for the scheme management of the SPL service - will be renewed in 2023. The EPC invites all interested eligible candidates to apply by 31 January 2023. Who can participate? The call is open to all European Payment
08 December 22
Yearly update of the “Payment Threats and Fraud Trends Report”
Today the European Payments Council (EPC) publishes the yearly update of the “Payment Threat and Fraud Trends Report”. This report contributes to creating awareness on payment threats and fraud trends, and to help payment stakeholders decide on possible actions to prevent fraud. It provides an ov
01 December 22
Call for Change Requests to the SEPA Request-to-Pay (SRTP) Scheme Rulebook
The European Payments Council (EPC) is launching today a call for change requests for possible modifications to be introduced into the SEPA Request-to-Pay (SRTP) scheme rulebook v3.0. The call starts on 1 December 2022 and will run until 29 December 2023. How to participate? Stakeholders are k
30 November 22
Publication of the first SPAA scheme rulebook
Today the European Payments Council (EPC) publishes the first (v1.0) SEPA Payment Account Access (SPAA) scheme rulebook. It consists of a set of rules, practices and standards that will allow the exchange of payment accounts related data and facilitates the initiation of payment transactions in the