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
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
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
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) Specification of QR-codes for Mobile (Instant) Credit Transfers (MSCTs) in ISO format (EPC193-22v1.2) DownloadPDF | 1000.79 KB
Specification of QR-codes for Mobile (Instant) Credit Transfers (MSCTs) in ISO format (EPC193-22v1.2) DownloadPDF | 1000.79 KB
Guidance documents 29 November 2019 Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance (MSCT IG) Guidance documents Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Contactless payments Credit transfer Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Person-to-Person mobile payments EPC 269-19v1.0 Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance (MSCT IG) DownloadPDF | 4.28 MB
EPC 269-19v1.0 Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance (MSCT IG) DownloadPDF | 4.28 MB
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
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
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) Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance – draft 2nd release (EPC269-21v1.14) DownloadPDF | 9.74 MB Feedback questionnaire New MSCT use cases and interoperability models (MSG MSCT 074-21v1.0) DownloadDOCX | 350.45 KB
Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance – draft 2nd release (EPC269-21v1.14) DownloadPDF | 9.74 MB
Feedback questionnaire New MSCT use cases and interoperability models (MSG MSCT 074-21v1.0) DownloadDOCX | 350.45 KB
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
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
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
Guidance documents 18 March 2024| Version v3.1 Quick Response Code: Guidelines to Enable Data Capture for the Initiation of a SEPA Credit Transfer Guidance documents Credit transfer EPC069-12 v3.1 Quick Response Code - Guidelines to Enable the Data Capture for the Initiation of an SCT DownloadPDF | 383.88 KB
EPC069-12 v3.1 Quick Response Code - Guidelines to Enable the Data Capture for the Initiation of an SCT DownloadPDF | 383.88 KB
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
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 18 April 2024| Version v2.0 Membership of the Payment Scheme Management Board Other Credit transfer Direct debit Governance Instant credit transfer EPC099-23 v3.0 PSMB Membership List DownloadPDF | 241.79 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
15 March 2018 Mandate ad-hoc multi-stakeholder group on Mobile Initiated SEPA Credit Transfers (including SCT Inst) and Table of Content of the Mobile Initiated SEPA Credit Transfer Interoperability Implementation Guidelines Credit transfer Instant credit transfer Mobile Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments Mandate ad-hoc multi-stakeholder group for Mobile Initiated SEPA Credit Transfers (MSG MSCT 001-18v1.0) DownloadPDF | 134.54 KB
Mandate ad-hoc multi-stakeholder group for Mobile Initiated SEPA Credit Transfers (MSG MSCT 001-18v1.0) DownloadPDF | 134.54 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
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 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
Other 26 June 2023 Extension of Mandate for Multi-stakeholder Group on Mobile Initiated (Instant) SEPA Credit Transfers (MSG MSCT) Other Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) MSG MSCT 024-23v1.0 Approved Mandate Extension for MSG MSCT DownloadPDF | 480.65 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
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 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
Minutes and agendas 10 May 2023 Agenda and Minutes of the 38th and 39th 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 38th MSG MSCT Plenary meeting – 30 January 2023 (MSG MSCT 005-23) DownloadPDF | 270.31 KB Minutes 38th MSG MSCT Plenary meeting – 30 January 2023 (MSG MSCT 006-23) DownloadPDF | 508.08 KB Agenda 39th MSG MSCT Plenary meeting – 9 March 2023 (MSG MSCT 012-23) DownloadPDF | 250.96 KB Minutes 39th MSG MSCT Plenary meeting – 9 March 2023 (MSG MSCT 013-23) DownloadPDF | 471.9 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
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
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
Minutes and agendas 07 February 2023 Agenda and Minutes of the 35th, 36th and 37th 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 35th MSG MSCT Plenary meeting – 6 October 2022 (MSG MSCT 080-22) DownloadPDF | 228.05 KB Minutes 35th MSG MSCT Plenary meeting – 6 October 2022 (MSG MSCT 081-22) DownloadPDF | 469.25 KB Agenda 36th MSG MSCT Plenary meeting – 3 November 2022 (MSG MSCT 090-22) DownloadPDF | 241.92 KB Minutes 36th MSG MSCT Plenary meeting – 3 November 2022 (MSG MSCT 091-22) DownloadPDF | 462.93 KB Agenda 37th MSG MSCT Plenary meeting – 6 December 2022 (MSG MSCT 100-22) DownloadPDF | 276.68 KB Minutes 37th MSG MSCT Plenary meeting – 6 December 2022 (MSG MSCT 101-22) DownloadPDF | 485.49 KB
Other 21 December 2021 MSCG MSCT 128-21 Extension of Mandate for Multi-stakeholder Group on Mobile Initiated (instant) SEPA Credit Transfers (MSG MSCT) Other Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) MSCG MSCT 128-21 Extension of Mandate for Multi-stakeholder Group on Mobile Initiated (instant) SEPA Credit Transfers (MSG MSCT) DownloadPDF | 483.26 KB
MSCG MSCT 128-21 Extension of Mandate for Multi-stakeholder Group on Mobile Initiated (instant) SEPA Credit Transfers (MSG MSCT) DownloadPDF | 483.26 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
Other 27 June 2023 Final document “Interoperability of MSCTs based on NFC or BLE” Other Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Instant credit transfer SEPA Proxy Lookup (SPL) Person-to-Person mobile payments Interoperability of MSCTs based on NFC or BLE (EPC287-22v1.0) DownloadPDF | 4.47 MB
Other 08 December 2017| Version 1.1 Rules for operating, joining and participating in the Standardised Proxy Lookup (SPL) service Other Credit transfer Person-to-Person mobile payments SCP2P 018-16 v1.1 Rules for operating joining and participating in the SPL Service DownloadPDF | 229.58 KB
SCP2P 018-16 v1.1 Rules for operating joining and participating in the SPL Service DownloadPDF | 229.58 KB
02 July 2018 Mandate ad-hoc multi-stakeholder group for Mobile Initiated SEPA Credit Transfers (MSG MSCT 001-18v1.0) Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Mandate ad-hoc multi-stakeholder group for Mobile Initiated SEPA Credit Transfers (MSG MSCT 001-18v1.0) DownloadPDF | 134.17 KB
Mandate ad-hoc multi-stakeholder group for Mobile Initiated SEPA Credit Transfers (MSG MSCT 001-18v1.0) DownloadPDF | 134.17 KB
13 January 2020 Extension Mandate ad-hoc multi-stakeholder group for Mobile Initiated SEPA Credit Transfers (MSG MSCT 061-19v1.1) Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Extension mandate MSG MSCT (MSG MSCT 061-19v1.1) DownloadPDF | 470.02 KB
Minutes and agendas 26 June 2023 Agenda and Minutes of the 40th 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 40th MSG MSCT Plenary meeting – 18 April 2023 (MSG MSCT 020-23) DownloadPDF | 256.01 KB Minutes 40th MSG MSCT Plenary meeting – 18 April 2023 (MSG MSCT 021-23) DownloadPDF | 483.14 KB
Minutes and agendas 13 October 2022 Agenda and Minutes of the 34th 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 34th MSG MSCT Plenary meeting – 23 August 2022 (MSG MSCT 070-22) DownloadPDF | 227.39 KB Minutes 34th MSG MSCT Plenary meeting – 23 August 2022 (MSG MSCT 071-22) DownloadPDF | 512.32 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
Other 09 May 2019 Terms of Reference for new MSG MSCT Works-stream on MSCT technical interoperability Other Contactless payments Credit transfer Instant credit transfer Mobile Person-to-Person mobile payments Security Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Terms of Reference Works-stream MSCT technical interoperability (MSG MSCT 033-19v1.0) DownloadPDF | 144.04 KB EPC LEGAL 001-18 Call for Candidates Privacy Disclaimer DownloadPDF | 62.75 KB
Terms of Reference Works-stream MSCT technical interoperability (MSG MSCT 033-19v1.0) DownloadPDF | 144.04 KB
Guidance documents 10 January 2023 Public consultation on draft document “Interoperability of MSCTs based on NFC or BLE” 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) Interoperability of MSCTs based on NFC or BLE (EPC287-22v0.18) DownloadPDF | 4.28 MB Feedback questionnaire on Interoperability of MSCTs based on NFC or BLE (MSG MSCT 102-22v1.0) DownloadDOCX | 349.28 KB
Feedback questionnaire on Interoperability of MSCTs based on NFC or BLE (MSG MSCT 102-22v1.0) DownloadDOCX | 349.28 KB