The following infographic will guide you through the main steps to become a Request-to-pay ( ) scheme participant:
Participation to the Request-to-pay scheme does not require membership, neither it requires to be a licensed . Merchants and enterprises may consider becoming members. The first step in adhering to the Request-to-pay scheme is to download the Guide to the adherence process here below.
Read more about the SEPA Request-to-pay scheme adherence process
As detailed in the Trust and Security Framework (TSF), Annex I of the rulebook, in order to ensure that all participants to the scheme have the required technical, operational, security and business continuity capabilities to exchange RTP messages as described in the scheme rulebook and the Implementation Guidelines, all applicants to the scheme have to undergo the homologation process.
As stated in the
scheme rulebook, as of 30 November 2023 the
service providers must be able to exchange
messages based on
(Application Programming Interface). In order to ensure full reachability between
scheme participants, by the same date
scheme participants need to expose
and have the capability to access the
of other
scheme participants.
Before 30 November 2023, the applicants are free to choose between a homologation without
and a homologation with
. The
scheme participants that have been homologated under the homologation process without
will have to undergo the homologation process with
(at no additional costs) by 30 November 2023.
