Document library

477 results

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.

Read more

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.

Read more
Insight

31 May 23

A pathway to improve the security of card payment systems

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. The Smart Payment Association (SPA) is the trade body of the cards and mobile payments industry and addresses the challenges of a fast-evolving payment ecosystem, prom

Read more

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.

Read more

SEPA goals and benefits

The Single Euro Payments Area (SEPA) is a European Union (EU) payments integration initiative aimed at harmonising electronic euro payments in Europe.

Read more

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.

Read more
Guidance documents
10 January 2023

Specification of QR-codes for Mobile (Instant) Credit Transfers (MCTs) submitted to ISO

Guidance documents
Credit transfer
Instant credit transfer
Mobile
SEPA Proxy Lookup (SPL)
Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT)
Person-to-Person mobile payments
Request-To-Pay Multi-Stakeholder Group (RTP MSG)
Guidance documents
08 July 2021

Public consultation on draft second release “Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance (MSCT IG)”

Guidance documents
Instant credit transfer
Mobile
SEPA Proxy Lookup (SPL)
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)

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.

Read more