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European Union

EU payments: EPC guidelines on Federated Approach to SEPA Request-to-Pay (SRTP) adoption, interoperability, reachability and governance standardisation (19 March 2026)

Published on: 19 March 2026

Published by a LexisNexis EU Law expert

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EU financial services developments
EPC publishes guidance on increasing adoption of SRTP scheme

Article summary

EU financial services developments EPC publishes guidance on increasing adoption of SRTP scheme

The European Payments Council (EPC) has issued guidelines setting out the recommended pathway to accelerate adoption of the SEPA Request-to-Pay (SRTP) scheme. Described as a ‘Federated Approach’, the EPC’s model aims to establish the basis for a future-proof solution and to enable a gradual, orderly migration of intra-community initiatives towards the full SRTP scheme. It explains how to safeguard cross-community interoperability and reachability, while allowing communities to pursue locally pertinent use cases and viable commercial models. The paper acknowledges the role of intra-community initiatives and stresses that, to foster convergence, governance of the technical and functional components should be standardised, whereas business arrangements ought to remain at the discretion of each community. Source: SRTP scheme: Federated approach clarifications...

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