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.
Eligible entities from all countries in
shall be allowed to participate on the basis that the level playing field principle between payment service providers (
) and non-
It is envisaged that the scheme will evolve further over time to support more elaborate functionalities.
- The SEPA Request-To-Pay (SRTP) Scheme Rulebook V3.1
- The SEPA Request-To-Pay (SRTP) Scheme Rulebook V3.0
- Clarification Paper on the SEPA Request-to-Pay scheme rulebook V3.0
- SEPA Request-to-Pay Implementation Guidelines Version 3.0
- The SEPA Request-to-Pay (SRTP) scheme: the first participant shares their experiences and views
- Call for Change Requests to the SRTP scheme rulebook (version 3.0)
- EPC Default API Specifications
- API Security framework
- Public Request for Information for the role of Operational Scheme Manager
- Toolkit for new SEPA Request-to-pay (SRTP) scheme participants
- Link to Register of Participants
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)