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The SEPA Proxy Lookup Scheme

SPL

The Proxy Lookup ( ) scheme covers the exchange of the data necessary to initiate payments between proxy-based payment solutions on a pan-European level. It aims to facilitate interoperability between participating payment solutions.

The scheme is limited to a look-up function with the sole purpose of initiating a payment. The actual payment is however not part of the scheme and is covered by an ‘overseen’ payment scheme within the geographic area.
 
The scheme covers (mobile) payments whereby the mobile telephone number or optionally the email address is used as a proxy to an IBAN. It is envisaged that the scheme will evolve further over time to support additional proxy types, account identifiers and use cases. 

As an optional feature, the scheme also foresees the possibility to perform a reachability check to determine whether a mobile number or optionally email address is registered.
 

Infographic SPL Proxy Lookup

 

The Proxy Lookup ( ) scheme rulebook is publicly available on the website and consists of a set of rules, practices and standards that makes it possible to operate, join and participate in the scheme. Legal entities wishing to use the scheme have to formally participate, adhere to the scheme and pay an annual scheme participation fee (still to be decided as from when this fee will become applicable). 

The SEPA Proxy Lookup (SPL) scheme rulebooks

Template to Propose a Change to the SEPA Proxy Lookup (SPL) Scheme Rulebook version 1.0

Infographic: How the SEPA Proxy Lookup (SPL) scheme works in practice to facilitate (mobile) P2P payments* ?

Infographic: Intra-EU mobility: a case for adhering to SPL scheme

Insights: Bizum: The Spanish instant mobile payment solution

Insights: SPL: the newest EPC scheme

Scheme evolution calendar:

  • As from 5 March 2020 (submission deadline still to be determined)
    Call for change requests
  • Timing still to be determined
    Three-month public consultation
  • Timing still to be determined
    Publication of the next rulebook