Guidance documents 02 July 2018 Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines Guidance documents Mobile Multi-stakeholder group on mobile contactless SEPA card payments (MSG MCP) Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines (EPC144-1777v1.0) DownloadPDF | 1.75 MB
Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines (EPC144-1777v1.0) DownloadPDF | 1.75 MB
Reports 06 December 2023| Version 1.0 Yearly update of the “Payment Threats and Fraud Trends Report” Reports Cards Contactless payments Credit transfer Instant credit transfer Direct debit Mobile Security SEPA Request-to-Pay (SRTP) Payment System Security Group (PSSG) EPC181-23 v1.0 2023 Payments Threats and Fraud Trends Report DownloadPDF | 1.16 MB
Other 07 June 2019 White paper non-NFC based Mobile SEPA Card Proximity Payments Other Cards Contactless payments Mobile Multi-stakeholder group on mobile contactless SEPA card payments (MSG MCP) White paper non-NFC based Mobile SEPA Card Proximity Payments (EPC 109-19) DownloadPDF | 3.04 MB
Minutes and agendas 28 March 2019 Minutes of the sixteenth meeting of the ad-hoc multi-stakeholder group on mobile contactless SEPA card payments (October 2018) Minutes and agendas Cards Mobile Multi-stakeholder group on mobile contactless SEPA card payments (MSG MCP) Minutes 16th meeting 12 October 2018 (MSG MCP023-18v1.0) DownloadPDF | 85.6 KB
Guidance documents 01 December 2021 Business requirements for consumer selection of the payment instrument Guidance documents Mobile Cards Credit transfer Contactless payments Instant credit transfer Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) MSG MSCT 045-21v1.1 Business requirements - Consumer selection of preferred payment instrument DownloadPDF | 1.08 MB
MSG MSCT 045-21v1.1 Business requirements - Consumer selection of preferred payment instrument DownloadPDF | 1.08 MB
Other 12 March 2024| Version v1.0 Template to Propose a Change to the EPC Payment Scheme Rulebooks Other Credit transfer Direct debit One-Leg Out Instant credit transfer Public consultation EPC064-24 v1.0 EPC payment scheme change request template DownloadDOCX | 431.45 KB
Minutes and agendas 05 October 2018 Minutes of the fourteenth and fifteenth meeting of the ad-hoc multi-stakeholder group on mobile contactless SEPA card payments (June and August 2018) Minutes and agendas Mobile Multi-stakeholder group on mobile contactless SEPA card payments (MSG MCP) MSG MCP 018-18v1.0 Approved minutes 14th MSG meeting DownloadPDF | 93.31 KB MSG MCP 020-18v1.0 Approved minutes 15th MSG meeting DownloadPDF | 85.29 KB
Reports 08 December 2022 Yearly update of the “Payment Threats and Fraud Trends Report” Reports Cards Contactless payments Credit transfer Direct debit Instant credit transfer Mobile Security SEPA Request-to-Pay (SRTP) Payment System Security Group (PSSG) EPC183-22 v1.0 2022 Payments Threats and Fraud Trends Report DownloadPDF | 1.22 MB
Reports 08 March 2017| Version 5.0 EPC White paper on mobile payments (version 5.0) Reports Mobile EPC492-09 v5.0 White Paper Mobile Payments - edition 2017 DownloadPDF | 2.22 MB
Reports 06 December 2021| Version v1.0 2021 Payment Threats and Fraud Trends Report Reports Cards Contactless payments Credit transfer Direct debit Mobile Instant credit transfer Security SEPA Request-to-Pay (SRTP) Payment System Security Group (PSSG) EPC193-21 v1.0 2021 Payments Threats and Fraud Trends DownloadPDF | 1.18 MB
Guidance documents 02 October 2010 Joint EPC-GSMA Paper 'Mobile Contactless Payments Service Management Roles - Requirements and Specifications' Guidance documents Mobile Contactless payments Mobile Contactless Payments Service Management Roles Requirements and Specifications v.2.pdf DownloadPDF | 3.7 MB
Mobile Contactless Payments Service Management Roles Requirements and Specifications v.2.pdf DownloadPDF | 3.7 MB
Other 26 April 2024| Version v4.0 Membership of the Payment Scheme Management Board Other Credit transfer Direct debit Governance Instant credit transfer EPC099-23 v4.0 PSMB Membership List DownloadPDF | 190.85 KB
Rulebooks 09 January 2024| Version v5.0 EPC Payment Scheme Management Rules Rulebooks Adherence Credit transfer Direct debit Governance One-Leg Out Instant credit transfer Scheme End-User Multi-Stakeholder Group (SEU MSG) Scheme Technical Player Multi-Stakeholder Group (STP MSG) Dispute Resolution Committee (DRC) Payment Scheme Management Board (PSMB) EPC207-14 v5.0 EPC Payment Scheme Management Rules DownloadPDF | 519.01 KB
Rulebooks 26 June 2023| Version v1.1 The SEPA Payment Account Access (SPAA) Scheme Rulebook v1.1 Rulebooks SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) SEPA Payment Account Access (SPAA) EPC012-22 v1.1 SEPA Payment Account Access Scheme Rulebook DownloadPDF | 1.73 MB
Rulebooks 30 November 2022| Version v1.0 The SEPA Payment Account Access (SPAA) Scheme Rulebook Rulebooks SEPA Payment Account Access (SPAA) EPC012-22 v1.0 SEPA Payment Account Access Scheme Rulebook DownloadPDF | 1.54 MB
Other 14 November 2023| Version 3.0 Payment Scheme Participation Fees - Policy and Invoicing Guidelines Other Adherence Credit transfer Direct debit One-Leg Out Instant credit transfer EPC194-15 EPC Payment Scheme Participation Fees - Invoicing policy and guidelines v3.0 DownloadPDF | 462.51 KB
EPC194-15 EPC Payment Scheme Participation Fees - Invoicing policy and guidelines v3.0 DownloadPDF | 462.51 KB
Guidance documents 21 February 2022 New release “Mobile Initiated SEPA (Instant) Credit Transfer Payments and Technical Interoperability Guidance (MSCT IG)” Guidance documents Instant credit transfer Mobile Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments Public consultation Request-To-Pay Multi-Stakeholder Group (RTP MSG) Mobile Initiated SEPA (Instant) Credit Transfer Payments and Technical Interoperability Guidance – (EPC269-19v2.0) DownloadPDF | 10.47 MB
Mobile Initiated SEPA (Instant) Credit Transfer Payments and Technical Interoperability Guidance – (EPC269-19v2.0) DownloadPDF | 10.47 MB
Guidance documents 14 November 2023| Version 1.1 Guidance on the use of structured addresses under the SEPA payment schemes as of November 2025 Guidance documents Credit transfer Direct debit Instant credit transfer EPC153-22 v1.1 EPC guidance document - Use of Structured Address under the SEPA Payment Schemes as of Nov 2025 DownloadPDF | 425.99 KB
EPC153-22 v1.1 EPC guidance document - Use of Structured Address under the SEPA Payment Schemes as of Nov 2025 DownloadPDF | 425.99 KB
Rulebooks 13 June 2022 Public consultation on the SEPA Payment Account Access Scheme Rulebook Rulebooks Public consultation SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) EPC012-22 v0.9 SEPA Payment Account Access Scheme Rulebook - Draft version for public consultation DownloadPDF | 1.76 MB EPC123-22 v1.0 SPAA Possible Additional Functionality for Public Consultation DownloadDOCX | 204.24 KB EPC112-22 v1.0 Response template for public consultation on SPAA scheme rulebook DownloadDOCX | 204.85 KB
EPC012-22 v0.9 SEPA Payment Account Access Scheme Rulebook - Draft version for public consultation DownloadPDF | 1.76 MB
EPC123-22 v1.0 SPAA Possible Additional Functionality for Public Consultation DownloadDOCX | 204.24 KB
EPC112-22 v1.0 Response template for public consultation on SPAA scheme rulebook DownloadDOCX | 204.85 KB
Press releases 13 September 2021 EPC Press Release: The EPC launches the public consultation on the change requests for the 2023 SEPA payment scheme rulebooks Press releases ECP190-21 _Press Release_ Public consultation on the change requests for the 2023 SEPA payment scheme rulebooks DownloadPDF | 208.04 KB
ECP190-21 _Press Release_ Public consultation on the change requests for the 2023 SEPA payment scheme rulebooks DownloadPDF | 208.04 KB
Other 28 March 2023| Version v1.0 Disclosure of Intent to be an EPC Payment Scheme-compliant CSM Other Credit transfer Direct debit One-Leg Out Instant credit transfer Letter EPC149-22 Model Disclosure Letter for EPC payment scheme-compliant CSMs DownloadDOCX | 28.26 KB
Letter EPC149-22 Model Disclosure Letter for EPC payment scheme-compliant CSMs DownloadDOCX | 28.26 KB
Other 14 December 2022 Profile – Independent member of Payment Scheme Management Board Other Payment Scheme Management Board (PSMB) Governance EPC289-22 Profile – independent member of Payment Scheme Management Board DownloadPDF | 191.63 KB
Guidance documents 25 May 2022| Version v1.0 Guidance to improve transparency for retail payment end-users Guidance documents Credit transfer Direct debit Instant credit transfer Scheme End-User Multi-Stakeholder Group (SEU MSG) EPC088-22 EPC guidance document - Improve Transparency for Retail Payment End-Users DownloadPDF | 677.37 KB
EPC088-22 EPC guidance document - Improve Transparency for Retail Payment End-Users DownloadPDF | 677.37 KB
Other 28 March 2023| Version v1.0 Disclosure of Intent to Offer Messaging Services to EPC Payment Scheme-compliant Clearing and Settlement Mechanisms Other Credit transfer Direct debit One-Leg Out Instant credit transfer Letter EPC150-22 Model Disclosure Letter to offer messaging services to EPC payment scheme-compliant CSMs DownloadDOCX | 27.31 KB
Letter EPC150-22 Model Disclosure Letter to offer messaging services to EPC payment scheme-compliant CSMs DownloadDOCX | 27.31 KB
Rulebooks 25 May 2022| Version v1.0 EPC Multi-Stakeholder Group positions on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks Rulebooks Credit transfer Direct debit Governance Instant credit transfer Public consultation Scheme End-User Multi-Stakeholder Group (SEU MSG) Scheme Technical Player Multi-Stakeholder Group (STP MSG) EPC038-22 SEU MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 355.74 KB EPC039-22 STP MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 364.65 KB
EPC038-22 SEU MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 355.74 KB
EPC039-22 STP MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 364.65 KB
Other 07 October 2021 Terms of reference of the SEPA Payment Account Access Multi Stakeholder Group (SPAA MSG) Other SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) EPC166-21v1.1_Terms of reference of the SEPA Payment Account Access Multi Stakeholder Group (SPAA MSG) DownloadPDF | 220.76 KB
EPC166-21v1.1_Terms of reference of the SEPA Payment Account Access Multi Stakeholder Group (SPAA MSG) DownloadPDF | 220.76 KB
Other 30 August 2021| Version v1.0 Terms of reference of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) Other Terms of reference of the SEPA Payment Account Access MultiStakeholder Group (SPAA MSG) DownloadPDF | 219.93 KB
Terms of reference of the SEPA Payment Account Access MultiStakeholder Group (SPAA MSG) DownloadPDF | 219.93 KB
Sanctions 12 April 2024 The Dispute Resolution Committee of the European Payments Council issues a public warning towards a Scheme Participant Sanctions Governance Dispute Resolution Committee (DRC) EPC078-24 Dispute Resolution Committee - Public Warning DownloadPDF | 115.15 KB
Guidance documents 08 December 2016| Version v2.0 Privacy Shielding for Pin Entry Guidance documents Security Cards Cash EPC343-08 v2.0 Privacy Shielding for PIN entry DownloadPDF | 223.26 KB
Minutes and agendas 02 November 2021 Agendas and Minutes of the 23rd and 24th MSG MSCT Plenary meetings Minutes and agendas Instant credit transfer Mobile Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments SEPA Proxy Lookup (SPL) Agenda 23rd MSG MSCT Plenary meeting – 29 June 2021 (MSG MSCT 081-21v1.0) DownloadPDF | 268.57 KB Minutes 23rd MSG MSCT Plenary meeting – 29 June 2021 (MSG MSCT 082-21v1.0) DownloadPDF | 430.33 KB Agenda 24th MSG MSCT Plenary meeting – 31 August 2021 (MSG MSCT 086-21v1.0) DownloadPDF | 332.52 KB Minutes 24th MSG MSCT Plenary meeting – 31 August 2021 (MSG MSCT 087-21v1.0) DownloadPDF | 439.35 KB
Minutes and agendas 14 June 2021 Agendas and Minutes of the 21st MSG MSCT Plenary meeting Minutes and agendas Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments Agenda 21st MSG MSCT Plenary meeting – 26 April 2021 (MSG MSCT 057-21v1.0) DownloadPDF | 243.61 KB Minutes 21st MSG MSCT Plenary meeting – 26 April 2021 (MSG MSCT 058-21v1.0) DownloadPDF | 538.51 KB
Minutes and agendas 02 December 2021 Agenda and Minutes of the 25th and 26th MSG MSCT Plenary meetings Minutes and agendas Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Person-to-Person mobile payments Agenda 25th MSG MSCT Plenary meeting – 30 September 2021 (MSG MSCT 106-21v1.0) DownloadPDF | 240.17 KB Minutes 25th MSG MSCT Plenary meeting – 30 September 2021 (MSG MSCT 108-21v1.0) DownloadPDF | 540.83 KB Agenda 26th MSG MSCT Plenary meeting – 20 October 2021 (MSG MSCT 126-21v1.0) DownloadPDF | 238.32 KB Minutes 26th MSG MSCT Plenary meeting – 20 October 2021 (MSG MSCT 127-21v1.0) DownloadPDF | 546.08 KB
Agenda 25th MSG MSCT Plenary meeting – 30 September 2021 (MSG MSCT 106-21v1.0) DownloadPDF | 240.17 KB
Minutes 25th MSG MSCT Plenary meeting – 30 September 2021 (MSG MSCT 108-21v1.0) DownloadPDF | 540.83 KB
Minutes 26th MSG MSCT Plenary meeting – 20 October 2021 (MSG MSCT 127-21v1.0) DownloadPDF | 546.08 KB
Press releases 24 November 2023 EPC Press release: Publication of the SEPA Payment Account Access (SPAA) scheme’s default remuneration model Press releases EPC273-23 Press release - SPAA default remuneration model DownloadPDF | 213.33 KB
Guidance documents 13 March 2024| Version 13.0 Yearly update of the “Guidelines on cryptographic algorithms usage and key management” Guidance documents Cards Contactless payments Credit transfer Direct debit Instant credit transfer Mobile Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments SDD mandate Security EPC342-08 v13.0 Guidelines on Cryptographic Algorithms Usage and Key Management.pdf DownloadPDF | 1.34 MB
EPC342-08 v13.0 Guidelines on Cryptographic Algorithms Usage and Key Management.pdf DownloadPDF | 1.34 MB
Call for interest 26 March 2024 Call for Interest: development of SEPA Payment Account Access compliant API specifications Call for interest SEPA Payment Account Access (SPAA)
Press releases 28 November 2023 EPC Press release: One-Leg Out Instant Credit Transfer (OCT Inst) payment scheme goes live Press releases EPC274-23 Press release - OCT Inst launch DownloadPDF | 260.84 KB
Press releases 24 October 2023 EPC Press release: Migration of the SEPA payment schemes to the 2019 version of ISO 20022 postponed to Sunday 17 March 2024 Press releases EPC245-23 Press release: ISO migration postponement DownloadPDF | 211.58 KB
Guidance documents 29 November 2021 Standardisation and governance of QR-codes for Instant Payments at the Point of Interaction (IPs at the POI) Guidance documents Instant credit transfer Mobile Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments SEPA Proxy Lookup (SPL) Standardisation and governance of QR-codes for Instant Payments at the Point of Interaction (IPs at the POI) DownloadPDF | 1.45 MB
Standardisation and governance of QR-codes for Instant Payments at the Point of Interaction (IPs at the POI) DownloadPDF | 1.45 MB
Press releases 31 March 2023 EPC Press release: European Payments Council announces new Director General Press releases EPC096-23 Press release European Payments Council announces new Director General DownloadPDF | 154.62 KB
EPC096-23 Press release European Payments Council announces new Director General DownloadPDF | 154.62 KB
Minutes and agendas 21 February 2023 Minutes of the 20th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 03 February 2023 Minutes and agendas SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) SPAA MSG 004-23 v1.0 Minutes 20th Meeting of the SPAA MSG - 03 February 2023 DownloadPDF | 363.75 KB
Guidance documents 18 March 2024| Version v10.0 Creditor Identifier Overview Guidance documents Direct debit SDD mandate EPC262-08 v10.0 Creditor Identifier Overview DownloadPDF | 4.27 MB
Minutes and agendas 26 March 2024 Minutes of the 28th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 27 February 2024 Minutes and agendas SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) SPAA MSG 004-24 v1.0 Minutes 28th Meeting of the SPAA MSG – 27 February 2024 DownloadPDF | 385.67 KB
Minutes and agendas 26 March 2024 Agenda of the 29th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 22 March 2024 Minutes and agendas SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) SPAA MSG 003-24 v1.0 Agenda 29th Meeting of the SPAA MSG – 22 March 2024 DownloadPDF | 173.4 KB
Press releases 20 December 2022 EPC Press release: Renewal of the European Payments Council’s Chair and Vice-Chair mandates Press releases EPC290-22_Press release DownloadPDF | 208.4 KB
Minutes and agendas 08 February 2023 Minutes of the 19th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 20 January 2023 Minutes and agendas SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) SPAA MSG 002-23 v1.0 Minutes 19th Meeting of the SPAA MSG - 20 January 2023 DownloadPDF | 395.44 KB
Minutes and agendas 24 January 2023 Minutes of the 16th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 24 October 2022 Minutes and agendas SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) SPAA MSG 032-22 v1.0 Minutes 16th Meeting of the SPAA MSG - 24 October 2022 DownloadPDF | 345.68 KB