PSPs can also provide additional services to meet specific customer needs.
There are two types of Additional Optional Services (AOS): those proposed by communities of PSPs and those offered by individual PSPs. In both instances, AOS must neither compromise the schemes’ interoperability nor create barriers to competition. When an AOS becomes increasingly popular among scheme participants, the EPC may consider including it in the scheme, in line with the principles governing its evolution.
National or pan-European communities of scheme participants can agree on an AOS that meets the needs of customers in specific geographic areas. One such AOS involves the use of additional data elements in the payment messages based on the ISO 20022 standard.
Any AOS must be transparent to all scheme participants and publicly available to these communities.
The EPC publishes the list of SCT AOS brought to its attention by the concerned communities. The EPC is, however, not responsible for the accuracy and exhaustiveness of this list.
France - Description of AOS - SEPA Credit Transfer reversal
Finland - Description of AOS applied to SEPA Credit Transfer
Greece - Description of AOS applied to SEPA Credit Transfer
Italy - Description of AOS - SEPA Credit Transfer routing
Netherlands – Description of the instant processing of SEPA Credit Transfers
Slovakia - Description of AOS applied to SEPA Credit Transfer
In addition, any PSP is free to propose AOS of its own choice, to enrich its SCT services and distinguish itself from its competitors, as long as these AOS respect the SCT scheme. These AOS are in the competitive space and therefore outside the EPC’s scope.