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.
- Public consultation on possible changes to the SEPA Request-to-Pay Scheme Rulebook
- Toolkit for new SEPA Request-to-pay (SRTP) scheme participants
- Link to Register of Participants
- The SEPA Request-To-Pay (SRTP) Scheme Rulebook
- SEPA Request-to-Pay Implementation Guidelines
- Clarification Paper on the SEPA Request-to-Pay scheme rulebook
- Request-to-Pay: specifications for a standardisation framework
- Infographic: how the SEPA Request-to-Pay Scheme works?
Scheme evolution calendar:
- Between 30 November until 26 February 2021
Call for change requests
- Between 25 May 2021 until 27 August 2021
Three-month public consultation
- 30 November 2021
Publication of the next rulebook (entering into effect 6 months or 1 year later – to be confirmed)