European Payments Council publishes the first version of the Single Euro Payments Area Request-To-Pay scheme rulebook

1 decembrie 2020

Following a three-month public consultation, and in close collaboration with stakeholders from the entire payment value chain, the European Payments Council (EPC) publishes today the first version of the Single Euro Payments Area (SEPA) Request-To-Pay (RTP) scheme rulebook. 

The SRTP 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 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.

Some important dates related to the new scheme and its maintenance cycle:

The effective date of the first release is set to 15 June 2021 and takes into account the need for an independent certification body – to be selected and become operational – for the certification of applicants to the SRTP scheme as described in the Trust and Security Framework Annex of the rulebook. The EPC is expected to launch a Request for Proposal for this purpose in February 2021.

The SRTP scheme adherence process is planned to be opened in the first week of May 2021 to allow applicants to prepare their adherence application ahead of the effective date of the SRTP scheme. 

The second version of the SRTP scheme rulebook which will support more elaborate functionalities is envisaged to be published by the end of November 2021.

As a first preparatory step, the EPC invites the market to submit its change requests in relation to the first release by 26 February 2021 close of business, as part of its structured and transparent change management process that is governed by the rulebook.

The implementation guidelines related to the first version of the SRTP scheme rulebook are scheduled to the be published by end-January 2021.

It should be noted that eligible entities from all countries in SEPA shall be allowed to participate on the basis that the level playing field principle between payment service providers (PSPs) and non-PSPs is respected.

The SEPA Request-To-Pay (RTP) Scheme Rulebook
Template to Propose a Change to the SEPA Request-To-Pay (SRTP) Scheme Rulebook V1.0

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Gabriela Nistor – director general adjunct BT

Tendinţele pe care le-am remarcat înainte de începerea pandemiei s-au accelerat pe perioada stării de urgenţă. Am văzut acest lucru ca o oportunitate, un tipping point pentru bancă. Post-pandemie nu avem cum sa ne întoarcem la comportamentul financiar pe care îl aveam până în februarie a.c. Relaţia românilor cu online-ul s-a schimbat. In plus, cardul fizic se va dematerializa. Vom asista la o scădere a cererii pentru cardurile fizice, respectiv la o creştere a preferinţei pentru componenta digitală a acestora.”

Sondaj

In 23 septembrie 2019, BNR a anuntat infiintarea unui Fintech Innovation Hub pentru a sustine inovatia in domeniul serviciilor financiare si de plata. In acest sens, care credeti ca ar trebui sa fie urmatorul pas al bancii centrale?