SEPA for cash
The SEPA project and the EPC’s drive to improve payments harmonisation and innovation in Europe both encourage a shift from cash to electronic payments.
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182 results
Mobile proximity payments
If you have ever tried to pay with your smartphone in a shop, you are familiar with ‘mobile proximity payments’. The smartphone is the device used to access payment details such as card information when executing a face-to-face transaction.
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SEPA goes mobile
Mobile payments are soaring in Europe. The EPC aims to facilitate the use of all SEPA instruments with a mobile while ensuring the convenience, safety, reliability and cost-effectiveness of these payments.
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EPC contribution to a SEPA for cards
When citizens travel in Europe or shop online on websites based in other European countries, they should be able to withdraw cash or pay by card as easily as they do in their home country.
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SEPA Direct Debit Additional Optional Services
The SEPA Direct Debit schemes (SDD) provide the sets of rules that enable a harmonised application by all participating payment service providers (PSPs) in Europe. PSPs can also provide additional services to meet specific customer needs.
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SEPA Direct Debit B2B rulebook and implementation guidelines
The SEPA Direct Debit Business-to-Business (SDD B2B) scheme is an optional scheme, offered exclusively to business payers.
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SEPA Direct Debit
The two EPC SEPA Direct Debit schemes offer consumers and businesses a convenient and secure means of paying bills. They are used to facilitate over 20 billion transactions every year in SEPA.
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SEPA Instant Credit Transfer rulebook and implementation guidelines
The SEPA Instant Credit Transfer (SCT Inst) scheme will make European payments faster and ever more convenient.
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SEPA Instant Credit Transfer
SEPA Instant Credit Transfer (SCT Inst) heralds a new era in payments. Payments are no exception to an increasingly digital and immediate society.
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SEPA Credit Transfer Additional Optional Services
The SEPA Credit Transfer (SCT) scheme provides the sets of rules that enable a harmonised implementation by all participating payment service providers (PSPs) in Europe.
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SEPA Credit Transfer
A credit transfer is an electronic payment from one payment account to another. The SEPA Credit Transfer (SCT) scheme makes the transfer of money in Europe easy and convenient.
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Subscription to the monthly digest
Make sure you do not miss any major EPC or SEPA news, and subscribe for free to Rep(l)ay, the EPC’s monthly digest.
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What we do
The EPC designs and manages euro payment and payment-related schemes that contribute to the creation of a single payments market in Europe and facilitate economic exchanges in the Single Euro Payments Area (SEPA) for citizens and businesses alike.
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Our organisation
As a membership association, the EPC relies on the active contributions of its members with expertise in different aspects of payments.
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EPC Members
The European Payments Council is the European association dedicated to payments, managing payment and payment-related schemes.
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Introducing the EPC
The European Payments Council (EPC) is one voice for payment service providers (PSPs) on all European payment issues.
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News
23 December 20
Overview of the 2020 public consultation comments on the draft SRTP Scheme Rulebook
During the summer of 2020, the European Payment Council (EPC) launched a three-month public consultation on the draft rulebook of its new Single Euro Payments Area (SEPA) Request-to-Pay (SRTP) scheme. The SRTP rulebook public consultation was a great success and generated by the deadline of 30 Augus
News
22 December 20
Call for independent candidates for the Scheme Management Board (SMB)
The EPC Scheme Management Board (SMB) – the body responsible for the administration and evolution of the EPC Single Euro Payments Area (SEPA) payment schemes will be renewed in 2021. In addition to the seats allocated to scheme participant representatives (maximum 20), three seats (including the Cha
Insight
15 December 20
SRTP: the newest EPC scheme
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. On 30 November 2020, the European Payment Council (EPC) launched the first version of its Single Euro Payments Area (SEPA) Request-To-Pay (SRTP) scheme rulebook. The S
News
10 December 20
Understanding the cash cycle
The European Payment Council (EPC) published today a brief public information paper titled “Understanding the cash cycle for banknotes: a high-level description of the generic model and some observations” which was created by its Cash Efficiency Working Group (CEWG), aiming to provide a high-level d
News
08 December 20
Technical interoperability of MSCTs based on payer-presented data
Following the publication of the “Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance” (MSCT IG) document in November 2019, the ad-hoc multi-stakeholder group on MSCTs (MSG MSCT) has conducted a more detailed analysis on the technical interoperability of MSCTs based on payer-pr