Payment Schemes

Explore the standardisation initiatives for electronic payments.

A person is using a smartphone with a mobile payment app to make a transaction at a point-of-sale terminal. The terminal features a sleek, modern design with a tablet interface. A pair of sunglasses rests on the counter, and a second person receives the payment.
A person is using a smartphone with a mobile payment app to make a transaction at a point-of-sale terminal. The terminal features a sleek, modern design with a tablet interface. A pair of sunglasses rests on the counter, and a second person receives the payment.
Instant Payments

Join the SCT Inst initiative to develop seamless instant payments across Europe, enhancing efficiency and consumer convenience in the digital payment landscape.

A close-up view of various Euro banknotes and credit cards scattered together. The banknotes have denominations of 500 and 100 Euros, while the visible credit cards include both Mastercard and Visa. The composition suggests a theme related to finance and currency.
A close-up view of various Euro banknotes and credit cards scattered together. The banknotes have denominations of 500 and 100 Euros, while the visible credit cards include both Mastercard and Visa. The composition suggests a theme related to finance and currency.
Payment Statistics

Discover insights on the 184 billion electronic transactions annually within the SEPA zone, highlighting the scale and importance of standardised payment solutions.

Payment Schemes FAQ

What are the payment schemes?

The payment schemes include SCT, SCT Inst, SDD, and VOP for electronic payments in the SEPA zone.

How do I join initiatives?

Payment institutions can join initiatives like SCT Inst to enhance instant payments across Europe.

What is SCT Inst?

SCT Inst is a scheme for instant credit transfers, facilitating real-time payments within the SEPA area.

What is the annual transaction volume?

184 billion transactions annually.
What news is available?

Recent news includes the launch of EDS on September 2, 2025, impacting payment processes.

Contact Us

Reach out for inquiries about SEPA payment schemes.

A person is using a payment terminal to complete a transaction, with hands holding a card and interacting with the device. Various snacks, including a bag of colorful gummy candies and chocolate bars in purple packaging, are placed on a dark countertop.
A person is using a payment terminal to complete a transaction, with hands holding a card and interacting with the device. Various snacks, including a bag of colorful gummy candies and chocolate bars in purple packaging, are placed on a dark countertop.
Payments

Standardizing electronic payments in the SEPA zone.

Join

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