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: the first participant shares their experiences and views
- Call for Change Requests to the SEPA Request-to-Pay (SRTP) Scheme Rulebook (version 2.0)
- The SEPA Request-To-Pay (SRTP) Scheme Rulebook v1.0
- SEPA Request-to-Pay Implementation Guidelines v1.0
- Clarification Paper on the SEPA Request-to-Pay scheme rulebook v1.0
- The SEPA Request-To-Pay (SRTP) Scheme Rulebook v2.0
- SEPA Request-to-Pay Implementation Guidelines v2.0
- 2021 Public Consultation – SRTP Scheme Change Proposal Submission Document
- Toolkit for new SEPA Request-to-pay (SRTP) scheme participants
- Link to Register of Participants
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 end May 2022 until end August 2022
Three-month public consultation - To be decided
Publication of related specifications - End November 2022
Publication of the next rulebook