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-
is respected.
It is envisaged that the scheme will evolve further over time to support more elaborate functionalities.
- The SEPA Request-To-Pay (SRTP) Scheme Rulebook V3.0
- SEPA Request-to-Pay Implementation Guidelines Version 3.0
- Public consultation on the SEPA Request-to-Pay scheme Rulebook
- The SEPA Request-to-Pay (SRTP) scheme: the first participant shares their experiences and views
- API Security framework
- Public Request for Information for the role of Operational Scheme Manager
- SEPA Request-to-Pay Implementation Guidelines v2.0
- Clarification Paper on the SEPA Request-to-Pay scheme rulebook v2.0
- Toolkit for new SEPA Request-to-pay (SRTP) scheme participants
- Link to Register of Participants
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)