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The SEPA Request-to-Pay (SRTP) Scheme


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


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.

More SRTP documents

 Scheme evolution calendar:

  • 30 November 2021
    Publication of the second version of the scheme rulebook, entering into effect on 1 June 2022
  • Between 1 December 2021 until 25 February 2022
    Call for change requests
  • Between 25 May 2022 until 26 August 2022
    Three-month public consultation
  • 30 June 2022
    Publication of related specifications
  • End November 2022
    Publication of the next rulebook