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This year is very special for the European Payments Council (EPC), which celebrates its 20th anniversary. To mark this occasion, we have interviewed Javier Santamaria, who has been active within the EPC since its creation in 2002 and became Chair in June 2012. We wanted to hear his thoughts on Europ

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. The Polish payment landscape is characterised both by traditional practices such as cash, which remains one of the dominant methods of payment, and by innovation and d

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. On 26 October the European Commission (EC) adopted a legislative proposal on instant payments in euro, fulfilling its commitment of the 2020 Retail Payments Strategy f

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. Since January 2022, the SEPA Instant Credit Transfer (SCT Inst) scheme has been in use in Slovakia, where three payment service providers (PSPs) have joined the scheme

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. The Nordic Payments Council (NPC) plays a critical role in the management of Nordic payment schemes. Newly appointed Secretary General Camilla Åkerman offers us her vi

We continue our series of articles for the 20th anniversary of the European Payments Council (EPC). This time we interviewed Rita Camporeale, EPC Vice-Chair. We wanted to hear her thoughts on European payments and more particularly on how the EPC has changed over the years, what lessons have been le

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

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 Ireland, and we interviewed Gillian Byrne Head of Payments, at Banking & Payments Federat

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

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

Today the European Payments Council (EPC) is launching a public consultation on the draft rulebook of its new SEPA Payment Account Access (SPAA) Scheme and on a related document concerning a possible additional ‘premium’ functionality that would allow asset brokers to request a payment with transact

The views expressed in this article are solely those of the authors and should not be attributed to the European Payments Council.   Two years ago, the Brazilian Central Bank decided to launch Pix, an instant payment scheme that the bank developed, manages, operates, and owns. Since its lau

The views expressed in this article are solely those of the authors and should not be attributed to the European Payments Council. The European retail payments landscape has changed due to a multitude of reasons: innovation, regulatory developments, the Covid-19 pandemic and changing consumer hab

The views expressed in this article are solely those of the authors and should not be attributed to the European Payments Council. In June this year, the European Payments Council (EPC) published the final version of the Standardisation of Quick-Response (QR) codes for mobile initiated SEPA (inst

The world is going contactless. As smartphones spread and our economy goes digital, uptake of contactless payments has accelerated – including account-based mobile payments made using Quick-Response codes, or QR-codes for short. On 16 February 2022, we launched an eight-week public consultation on a

The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council.  This time we interviewed Narinda You, our former Vice-Chair and former Head of Strategy and Market Practice at Crédit Agricole Payment Services. We were curious

In June 2021 the Euro Retail Payments Board (ERPB) invited the EPC to take up the role of scheme manager for the development of a SEPA API access scheme related to payment accounts, in line with the requirements defined in the June 2021 report of the ERPB Working Group on a SEPA API Access scheme1(S

At its 24 November 2021 meeting, the EPC Board accepted the Euro Retail Payments Board’s (ERPB) invitation to act as Scheme Manager for a new Single Euro Payments Area (SEPA) Payment Account Access (SPAA) scheme.  To develop the scheme, the EPC Board established the SPAA Multi-Stakeholder Gr

The views expressed in this article are solely those of the authors and should not be attributed to the European Payments Council.  At its 24 November 2021 meeting, the EPC Board accepted the Euro Retail Payments Board’s (ERPB) invitation to act as Scheme Manager for a new Single Euro Paymen

Today the European Payments Council (EPC) published the version 1.0 of the 2023 EPC SEPA payment scheme rulebooks. All 2023 EPC SEPA payment scheme rulebooks enter into force on 19 November 2023. To ensure planning security for all market participants, the publication of the 2023 rulebook versions f

The views expressed in the below reports are solely those of the authors and should not be attributed to the European Payments Council. Getting lost in the flow of new reports? During the third quarter of 2022, the EPC compiled a list of payment related reports that you can check out and download

The views expressed in the below reports are solely those of the authors and should not be attributed to the European Payments Council. Getting lost in the flow of new reports? During the second quarter of 2022, the EPC compiled a list of payment related reports that you can check out and downloa