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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 Payment Service Provider by taking into account the number of schemes to which they adhere. The fees paid by Payment Service Providers may evolve every year because they depend on the number of schemes, the number of scheme participants and the costs borne by the European Payments Council in relation to the management of the schemes.

Payment Service Providers can be invoiced  either individually or at a group level when they are part of a declared ‘group’ of Payment Service Providers as defined in the Regulation () No 648/2012 of the European Parliament and of the Council of 4 July 2012 on over-the-counter derivatives, central counterparties and trade repositories. In the latter situation, the fees are due from the parent undertaking (which has a dominant influence on one or more Payment Service Providers) 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 European Payments Council by providing a list of all member scheme participants.


2018 fee table
PSPs participating in the SEPA Instant Credit Transfer scheme in 2018 do not need to pay a fee for this scheme. A fee for this new scheme will only be levied as of the year 2019.

Individual scheme participant – not part of a declared group:

Single Euro Payments Area

Credit Transfer

Single Euro Payments Area

Direct Debit Core

Single Euro Payments Area

Direct Debit B2B

All three schemes

EUR 226

EUR 326

EUR 419

EUR 971

Declared group:

Number of participants per group

Group fee


EUR 1,941


EUR 4,853


EUR 7,764


EUR 14,558


EUR 19,411


EUR 29,116


EUR 38,822

Above 1,000

EUR 48,527

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 European Payments Council during the first quarter of the year. The invoice must be paid by an electronic Single Euro Payments Area instrument. Direct debit ( Core) 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