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Scheme participation fees

Payment service providers (PSPs) have to pay an annual scheme participation fee to use the EPC SEPA payment schemes.

2017 scheme participation fees 01

The scheme participation fee is calculated for each by taking into account the number of schemes to which they adhere. The fees paid by may evolve every year because they depend on the number of schemes, the number of scheme participants and the costs borne by the in relation to the management of the schemes.

can either be invoiced either individually or at a group level when they are part of a declared ‘group’ of as defined in the . In the latter situation, the fees are due from the parent undertaking (which has a dominant influence on one or more ) or the central control body of the group (to which scheme participants are affiliated and by which they are supervised). Interested groups are invited to use the standard template to declare their composition to the by providing a list of all member scheme participants.


2017 fee table
PSPs participating in the SEPA Instant Credit Transfer scheme in 2017 do not need to pay a fee for this scheme, as it will only be operational at the end of November 2017.

Individual scheme participant – not part of a declared group:

Credit Transfer Direct Debit Core Direct Debit B2B All three schemes
EUR 219 EUR 327 EUR 434 EUR 980

Declared group:

Number of participants per group Group fee
2-5 EUR 1,960
6-10 EUR 4,900
11-20 EUR 7,841
21-50 EUR 14,701
51-200 EUR 19,602
201-500 EUR 29,403
501-1,000 EUR 39,204
Above 1,000 EUR 49,004

Local may in some cases be due on the above amounts.

How is the scheme participation fee paid?

Each scheme participant (or the parent undertaking in the case of a group of scheme participants) receives its yearly fee invoice from the during the first half of the year. The invoice must be paid by an electronic instrument. Direct debit is preferred as it automates the payment and avoids the suspension of scheme participants from the EPC SEPA Register of Participants, in the event that they miss the payment deadline.

Read more about the scheme participation fees policy and invoicing guidelines

Guide for adherence to the EPC SEPA schemes