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SEPA Request-to-Pay


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:

  • 24 November 2022
    Publication of the third version of the scheme rulebook, entering into effect on 30 November 2023
  • Between 1 December 2022 and 29 December 2023
    Call for change requests to version 3.0 of the Scheme Rulebook
  • Q4 2022

    Publication of the Security Framework

  • Between May and August 2024

    Three-month public consultation

  • Q1 2023

    Implementation Guidelines Version 3.0

  • 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

  • November 2024

    Publication of the Scheme Rulebook (version 4.0)