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The scheme covers the set of operating rules and technical elements (including messages) that allow a Payee to request the initiation of a payment from a Payer in a wide range of physical or online use cases. 

The RTP is a messaging functionality. It is not a payment means or a payment instrument, but a way to request a payment initiation. 

The scheme can be considered as a complement to the payment flow because it supports the end-to-end process and lies between an underlying commercial transaction and the payment itself. An RTP as such can be seen as an enabler for digital payments.

SRTP visual


 Scheme evolution calendar:

  • Between 1 December 2022 and 29 December 2023
    Call for change requests to version 3.0 of the Scheme Rulebook
  • Q2 2023
    - Publication of the related specifications based on the version v3.0 of the scheme rulebook
    - Publication of the version 3.0 of the scheme Clarification Paper
    - Launch of three new homologation types
  • Q3 2023
    Launch of the homologation with
  • Between March and June 2024
    Three-month public consultation
  • November 2024
    Publication of the Scheme Rulebook (version 4.0)