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<hr> <div class="nav-title">Quick links</div> <ul> <li><a href="/ecb/educational/explainers/tell-me/html/what-is-monetary-policy.en.html">What is monetary policy?</a></li> <li><a href="/mopo/strategy/strategy-review/html/index.en.html">Strategy review</a></li> <li><a href="/mopo/implement/app/html/index.en.html">Asset purchase programmes</a></li> </ul> </div> <a href="/press/press_conference/html/index.en.html" class="item image"> <img src="/press/tvservices/html/index/ECB press conference place holder new_2560x1440.jpg" width="357" height="179" loading="lazy" style="object-fit:cover"> <div class="image-caption">Latest monetary policy press conference</div> <div class="image-date">30 January 2025</div> </a> </div></div><ul><li class="has-subpages"><a href="/mopo/intro/html/index.en.html">Introduction</a><a href="#" class="subpages" title="toggle subpages for Introduction"></a><ul><li class="clearfix"><a href="/mopo/intro/benefits/html/index.en.html">Benefits of price 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class="clearfix"><a href="/mopo/ela/html/index.en.html">Emergency liquidity assistance (ELA)</a></li><li class="clearfix"><a href="/mopo/liq/html/index.en.html">Liquidity analysis</a></li><li class="has-subpages"><a href="/mopo/coll/html/index.en.html">Collateral</a><a href="#" class="subpages" title="toggle subpages for Collateral"></a><ul><li class="has-subpages"><a href="/mopo/coll/standards/html/index.en.html">Eligibility criteria and assessment</a><a href="#" class="subpages" title="toggle subpages for Eligibility criteria and assessment"></a><ul><li class="clearfix"><a href="/mopo/coll/standards/marketable/html/index.en.html">Marketable assets</a></li><li class="clearfix"><a href="/mopo/coll/standards/nonmarketable/html/index.en.html">Non-marketable assets</a></li></ul></li><li class="has-subpages"><a href="/mopo/coll/assets/html/index.en.html">List of eligible marketable assets</a><a href="#" class="subpages" title="toggle subpages for List of eligible marketable assets"></a><ul><li class="clearfix"><a href="/mopo/coll/assets/guide/html/index.en.html">User guide</a></li></ul></li><li class="has-subpages"><a href="/mopo/coll/coll/html/index.en.html">Mobilising collateral</a><a href="#" class="subpages" title="toggle subpages for Mobilising collateral"></a><ul><li class="clearfix"><a href="/mopo/coll/coll/ccbm/html/index.en.html">CCBM</a></li><li class="clearfix"><a href="/mopo/coll/coll/eligiblesss/html/index.en.html">Eligible SSSs</a></li><li class="clearfix"><a href="/mopo/coll/coll/ssslinks/html/index.en.html">Eligible links</a></li><li class="clearfix"><a href="/mopo/coll/coll/triparty/html/index.en.html">Eligible triparty agents</a></li></ul></li><li class="has-subpages"><a href="/mopo/coll/risk/html/index.en.html">Risk mitigation</a><a href="#" class="subpages" title="toggle subpages for Risk mitigation"></a><ul><li class="clearfix"><a href="/mopo/coll/risk/ecaf/html/index.en.html">ECAF</a></li><li class="clearfix"><a href="/mopo/coll/risk/riskcontrol/html/index.en.html">Risk control</a></li><li class="clearfix"><a href="/mopo/coll/risk/liquidity/html/index.en.html">Haircut categories</a></li><li class="clearfix"><a href="/mopo/coll/risk/valuation/html/index.en.html">Valuation</a></li></ul></li><li class="has-subpages"><a href="/mopo/coll/loanlevel/html/index.en.html">Loan-level requirements</a><a href="#" class="subpages" title="toggle subpages for Loan-level requirements"></a><ul><li class="clearfix"><a href="/mopo/coll/loanlevel/transmission/html/index.en.html">Data templates</a></li><li class="clearfix"><a href="/mopo/coll/loanlevel/implementation/html/index.en.html">Eligibility requirements</a></li><li class="clearfix"><a href="/mopo/coll/loanlevel/faq/html/index.en.html">Frequently asked questions</a></li></ul></li><li class="clearfix"><a href="/mopo/coll/contacts/html/index.en.html">Contacts</a></li></ul></li><li class="has-subpages"><a href="/mopo/eaec/html/index.en.html">Structure of the euro area economy</a><a href="#" class="subpages" title="toggle subpages for Structure of the euro area economy"></a><ul><li class="clearfix"><a href="/mopo/eaec/ecopolicy/html/index.en.html">Economic policy</a></li><li class="clearfix"><a href="/mopo/eaec/fiscal/html/index.en.html">Fiscal policies</a></li><li class="clearfix"><a href="/mopo/eaec/trade/html/index.en.html">External trade</a></li><li class="clearfix"><a href="/mopo/eaec/eer/html/index.en.html">Effective exchange rates</a></li><li class="clearfix"><a href="/mopo/eaec/structure/html/index.en.html">Financial structure</a></li><li class="clearfix"><a href="/mopo/eaec/markets/html/index.en.html">Financial markets</a></li><li class="clearfix"><a href="/mopo/eaec/intermediaries/html/index.en.html">Financial intermediaries</a></li><li class="clearfix"><a href="/mopo/eaec/diversity/html/index.en.html">Economic diversity</a></li><li class="clearfix"><a href="/mopo/eaec/labour/html/index.en.html">Labour market</a></li></ul></li><li 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aria-expanded="false"><a href="/paym/html/index.en.html">Payments & financial stability</a><a href="#" class="subpages" title="toggle subpages for Payments & financial stability"></a><div class="nav-first-level-wrap"><div class="nav-featured-wrap"><div class="nav-featured"><div class="item"> <div class="title">Payments & financial stability</div> <p>Insights into our work on financial stability and payments and market infrastructures</p> <a href="/paym/html/index.en.html">Overview of payments and financial stability</a> <hr> <div class="nav-title">Quick links</div> <ul> <li><a href="/euro/digital_euro/html/index.en.html">Digital euro</a></li> <li><a href="/press/intro/html/index.en.html">Payments news & events</a></li> <li><a href="/paym/target/target-professional-use-documents-links/html/index.en.html">TARGET professional use documents and links</a></li> </ul> </div> <a href="/pub/financial-stability/fsr/html/index.en.html" class="item image"> <img src="/paym/financial-stability/html/index/fsr_1000x750.jpg" width="357" height="179" loading="lazy" style="object-fit:cover"> <div class="image-caption">Latest Financial Stability Review</div> <div class="image-date">16 May 2024</div> </a> </div></div><ul><li class="clearfix"><span>Payments</span></li><li class="has-subpages"><a href="/paym/target/html/index.en.html">TARGET Services</a><a href="#" class="subpages" title="toggle subpages for TARGET Services"></a><ul><li class="clearfix"><a href="/paym/target/coco/html/index.en.html">Shared features</a></li><li class="has-subpages"><a href="/paym/target/t2/html/index.en.html">T2</a><a href="#" class="subpages" title="toggle subpages for T2"></a><ul><li class="clearfix"><a href="/paym/target/t2/facts/html/index.en.html">Facts and figures</a></li><li class="clearfix"><a href="/paym/target/t2/governance/html/index.en.html">Governance</a></li></ul></li><li class="has-subpages"><a href="/paym/target/t2s/html/index.en.html">T2S</a><a href="#" class="subpages" title="toggle subpages for T2S"></a><ul><li class="clearfix"><a href="/paym/target/t2s/governance/html/index.en.html">Governance</a></li><li class="clearfix"><a href="/paym/target/t2s/facts/html/index.en.html">Facts and figures</a></li><li class="clearfix"><a href="/paym/target/t2s/pricing/html/index.en.html">Pricing</a></li></ul></li><li class="has-subpages"><a href="/paym/target/tips/html/index.en.html">TIPS</a><a href="#" class="subpages" title="toggle subpages for TIPS"></a><ul><li class="clearfix"><a href="/paym/target/tips/crossborder/html/index.en.html">Cross-border payments</a></li><li class="clearfix"><a href="/paym/target/tips/governance/html/index.en.html">Governance</a></li><li class="clearfix"><a href="/paym/target/tips/facts/html/index.en.html">Facts and figures</a></li><li class="clearfix"><a href="/paym/target/tips/onboarding/html/index.en.html">Onboarding</a></li></ul></li><li class="clearfix"><a href="/paym/target/ecms/html/index.en.html">ECMS</a></li><li class="has-subpages"><a href="/paym/target/target-professional-use-documents-links/html/index.en.html">TARGET professional use documents & links</a><a href="#" class="subpages" title="toggle subpages for TARGET professional use documents & links"></a><ul><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/coco/html/index.en.html">Shared features documents & links</a></li><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/t2/html/index.en.html">T2 documents & links</a></li><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/t2s/html/index.en.html">T2S documents & links</a></li><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/tips/html/index.en.html">TIPS documents & links</a></li><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/ecms/html/index.en.html">ECMS documents & links</a></li></ul></li></ul></li><li class="has-subpages"><a href="/paym/integration/html/index.en.html">Integration and innovation</a><a href="#" class="subpages" title="toggle subpages for Integration and innovation"></a><ul><li class="has-subpages"><a href="/paym/integration/distributed/html/index.en.html">Distributed ledger technologies</a><a href="#" class="subpages" title="toggle subpages for Distributed ledger technologies"></a><ul><li class="clearfix"><a href="/paym/integration/distributed/exploratory/html/index.en.html">Exploratory work</a></li></ul></li><li class="has-subpages"><a href="/paym/integration/retail/html/index.en.html">Retail payments</a><a href="#" class="subpages" title="toggle subpages for Retail payments"></a><ul><li class="clearfix"><a href="/paym/integration/retail/retail_payments_strategy/html/index.en.html">Retail payments strategy</a></li><li class="clearfix"><a href="/paym/integration/retail/ecb/html/index.en.html">ECB as a catalyst</a></li><li class="clearfix"><a href="/paym/integration/retail/sepa/html/index.en.html">SEPA</a></li><li class="clearfix"><a href="/paym/integration/retail/instant_payments/html/index.en.html">Instant payments</a></li></ul></li><li class="has-subpages"><a href="/paym/integration/collateral/html/index.en.html">Collateral management harmonisation</a><a href="#" class="subpages" title="toggle subpages for Collateral management harmonisation"></a><ul><li class="clearfix"><a href="/paym/integration/collateral/implementation/html/index.en.html">Implementation</a></li><li class="clearfix"><a href="/paym/integration/collateral/faq/html/index.en.html">FAQ</a></li></ul></li></ul></li><li class="has-subpages"><a href="/paym/cyber-resilience/html/index.en.html">Cyber resilience</a><a href="#" class="subpages" title="toggle subpages for Cyber resilience"></a><ul><li class="clearfix"><a href="/paym/cyber-resilience/fmi/html/index.en.html">Financial market infrastructures</a></li><li class="clearfix"><a href="/paym/cyber-resilience/tiber-eu/html/index.en.html">TIBER-EU</a></li></ul></li><li class="has-subpages"><a href="/paym/pol/html/index.en.html">Oversight</a><a href="#" class="subpages" title="toggle subpages for Oversight"></a><ul><li class="clearfix"><a href="/paym/pol/systems/html/index.en.html">Payment systems</a></li><li class="clearfix"><a href="/paym/pol/target2-securities/html/index.en.html">TARGET2-Securities</a></li><li class="clearfix"><a href="/paym/pol/instr/html/index.en.html">Electronic payments</a></li><li class="clearfix"><a href="/paym/pol/clearing/html/index.en.html">Securities settlement systems and central counterparties</a></li><li class="clearfix"><a href="/paym/pol/critical/html/index.en.html">Critical service providers</a></li><li class="clearfix"><a href="/paym/pol/correspondent-and-custodian-banks/html/index.en.html">Correspondent and custodian banks</a></li><li class="clearfix"><a href="/paym/pol/forum/html/index.en.html">SecuRe Pay forum</a></li></ul></li><li class="has-subpages"><a href="/paym/erms/html/index.en.html">Reserve management services</a><a href="#" class="subpages" title="toggle subpages for Reserve management services"></a><ul><li class="clearfix"><a href="/paym/erms/aspects/html/index.en.html">Key aspects</a></li><li class="clearfix"><a href="/paym/erms/service/html/index.en.html">Range of services</a></li></ul></li><li class="has-subpages"><a href="/paym/cashprof/html/index.en.html">Cash professionals</a><a href="#" class="subpages" title="toggle subpages for Cash professionals"></a><ul><li class="has-subpages"><a href="/paym/cashprof/cashhand/html/index.en.html">Cash handling</a><a href="#" class="subpages" title="toggle subpages for Cash handling"></a><ul><li class="clearfix"><a href="/paym/cashprof/cashhand/devices/html/index.en.html">Authentication devices</a></li><li class="clearfix"><a href="/paym/cashprof/cashhand/recycling/html/index.en.html">Recirculation of banknotes</a></li></ul></li><li class="clearfix"><a href="/paym/cashprof/cdispec/html/index.en.html">Common detector interface specifications</a></li><li class="clearfix"><a href="/paym/cashprof/accreditation/html/index.en.html">Banknote manufacturer accreditation</a></li></ul></li><li class="has-subpages -section"><a href="/paym/groups/html/index.en.html">Payment contact groups</a><a href="#" class="subpages" title="toggle subpages for Payment contact groups"></a><ul><li class="clearfix"><a href="/paym/groups/ami/html/index.en.html">Advisory groups on market infrastructures</a></li><li class="clearfix"><a href="/paym/groups/euro-cyber-board/html/index.en.html">Euro Cyber Resilience Board</a></li><li class="clearfix -current"><a href="/paym/groups/erpb/html/index.en.html">Euro Retail Payments Board (ERPB)</a></li><li class="clearfix"><a href="/paym/groups/efip/html/index.en.html">European Forum for Innovation in Payments (EFIP)</a></li></ul></li><li class="clearfix"><span>Financial stability</span></li><li class="clearfix"><a href="/paym/financial-stability/html/index.en.html">Introduction to financial stability</a></li><li class="clearfix"><a href="/paym/macroprudential-measures/html/index.en.html">Macroprudential Measures</a></li><li class="clearfix"><a href="/paym/financial_stability_contact_groups/html/index.en.html">Financial stability contact groups</a></li></ul></div></li><li class="has-subpages" aria-expanded="false"><a href="/stats/html/index.en.html">Statistics</a><a href="#" class="subpages" title="toggle subpages for Statistics"></a><div class="nav-first-level-wrap"><div class="nav-featured-wrap"><div class="nav-featured"><div class="item"> <div class="title">Statistics</div> <p>Access to all ECB statistics and background information</p> <a href="/stats/html/index.en.html">Overview of ECB statistics</a> <hr> <div class="nav-title">Quick links</div> <ul> <li><a href="https://data.ecb.europa.eu/main-figures">Main figures</a></li> <li><a href="https://data.ecb.europa.eu/">ECB Data Portal</a></li> <li><a href="/press/stats/html/index.en.html">Statistical releases</a></li> </ul> </div> <a href="/press/blog/date/2024/html/ecb.blog20240418~2240ea1850.en.html" class="item image"> <img src="/press/blog/date/2024/html//ecb.blog20240418~2240ea1850/ecb.blog20240418~2240ea1850.jpg" width="357" height="179" loading="lazy" style="object-fit:cover"> <div class="image-caption">THE ECB BLOG - Improved data: how climate change impacts banks</div> <div class="image-date">18 April 2024</div> </a> </div></div><ul><li class="clearfix"><span>Frequently accessed</span></li><li class="clearfix"><a href="/stats/euro-exchange-rates/html/index.en.html">Euro exchange rates</a></li><li class="clearfix"><a href="/stats/key-ecb-interest-rates/html/index.en.html">Key ECB interest rates</a></li><li class="has-subpages"><a href="/stats/euro-short-term-rates/html/index.en.html">Euro short-term rate (€STR)</a><a href="#" class="subpages" title="toggle subpages for Euro short-term rate (€STR)"></a><ul><li class="has-subpages"><a href="/stats/euro-short-term-rates/interest_rate_benchmarks/html/index.en.html">Interest rate benchmarks</a><a href="#" class="subpages" title="toggle subpages for Interest rate benchmarks"></a><ul><li class="clearfix"><a href="/stats/euro-short-term-rates/interest_rate_benchmarks/WG_euro_risk-free_rates/html/index.en.html">Working group on euro risk-free rates</a></li></ul></li></ul></li><li class="clearfix"><a href="/stats/inflation/html/index.en.html">Inflation</a></li><li class="clearfix"><a href="/stats/euro-area-yield-curves/html/index.en.html">Euro area yield curves</a></li><li class="clearfix"><span>All statistics & background</span></li><li class="clearfix"><a href="/stats/all-key-statistics/html/index.en.html">All key statistics</a></li><li class="clearfix"><a href="/stats/accessing-our-data/html/index.en.html">All data services</a></li><li class="has-subpages"><a href="/stats/ecb_statistics/html/index.en.html">Data reporting & standards</a><a href="#" class="subpages" title="toggle subpages for Data reporting & standards"></a><ul><li class="clearfix"><a href="/stats/ecb_statistics/governance_and_quality_framework/html/index.en.html">Governance and quality framework</a></li><li class="clearfix"><a href="/stats/ecb_statistics/co-operation_and_standards/html/index.en.html">Co-operation and standards</a></li><li class="clearfix"><a href="/stats/ecb_statistics/reporting/html/index.en.html">Banks’ data reporting</a></li><li class="has-subpages"><a href="/stats/ecb_statistics/anacredit/html/index.en.html">AnaCredit</a><a href="#" class="subpages" title="toggle subpages for AnaCredit"></a><ul><li class="clearfix"><a href="/stats/ecb_statistics/anacredit/questions/html/index.en.html">AnaCredit Q&A</a></li></ul></li><li class="clearfix"><a href="/stats/ecb_statistics/consultations/html/index.en.html">Public consultations</a></li><li class="clearfix"><a href="/stats/ecb_statistics/dialogue/html/index.en.html">Banking industry dialogue on ESCB statistics and integrated reporting</a></li><li class="clearfix"><a href="/stats/ecb_statistics/sdmx/html/index.en.html">SDMX – statistical data exchange model</a></li><li class="clearfix"><a href="/stats/ecb_statistics/inexda/html/index.en.html">INEXDA - granular data network</a></li></ul></li></ul></div></li><li class="has-subpages" aria-expanded="false"><a href="/euro/html/index.en.html">The euro</a><a href="#" class="subpages" title="toggle subpages for The euro"></a><div class="nav-first-level-wrap"><div class="nav-featured-wrap"><div class="nav-featured"><div class="item"> <div class="title">The euro</div> <p>All you need to know about our common currency</p> <a href="/euro/html/index.en.html">Overview of the euro</a> <hr> <div class="nav-title">Quick links</div> <ul> <li><a href="/paym/cashprof/html/index.en.html">Cash professionals</a></li> <li><a href="/stats/policy_and_exchange_rates/banknotes+coins/html/index.en.html">Banknote and coins statistics</a></li> <li><a href="/stats/policy_and_exchange_rates/euro_reference_exchange_rates/html/index.en.html">Euro exchange rates</a></li> </ul> </div> <a href="/stats/ecb_surveys/space/html/ecb.space2024~19d46f0f17.en.html" class="item image"> <img src="/euro/shared/img/cover.png" width="357" height="179" loading="lazy" style="object-fit:cover"> <div class="image-caption">Study on the payment attitudes of consumers in the euro area (SPACE) – 2024</div> <div class="image-date">19 December 2024</div> </a></div></div><ul><li class="has-subpages"><a href="/euro/digital_euro/html/index.en.html">Digital euro</a><a href="#" class="subpages" title="toggle subpages for Digital euro"></a><ul><li class="has-subpages"><a href="/euro/digital_euro/features/html/index.en.html">What it is</a><a href="#" class="subpages" title="toggle subpages for What it is"></a><ul><li class="clearfix"><a href="/euro/digital_euro/features/privacy/html/index.en.html">Digital euro and privacy</a></li></ul></li><li class="clearfix"><a href="/euro/digital_euro/how-it-works/html/index.en.html">How it works</a></li><li class="clearfix"><a href="/euro/digital_euro/why-we-need-it/html/index.en.html">Why we need it</a></li><li class="clearfix"><a href="/euro/digital_euro/progress/html/index.en.html">Timeline and progress</a></li><li class="has-subpages"><a href="/euro/digital_euro/timeline/html/index.en.html">In-depth information</a><a href="#" class="subpages" title="toggle subpages for In-depth information"></a><ul><li class="clearfix"><a href="/euro/digital_euro/timeline/stakeholder/html/index.en.html">Governance and stakeholder engagement</a></li><li class="clearfix"><a href="/euro/digital_euro/timeline/profuse/html/index.en.html">Technical documents and research</a></li><li class="clearfix"><a href="/euro/digital_euro/timeline/rulebook/html/index.en.html">Scheme rulebook</a></li></ul></li><li class="clearfix"><a href="/euro/digital_euro/faqs/html/index.en.html">Frequently asked questions</a></li></ul></li><li class="clearfix"><span>Cash</span></li><li class="has-subpages"><a href="/euro/cash_strategy/html/index.en.html">The Eurosystem cash strategy</a><a href="#" class="subpages" title="toggle subpages for The Eurosystem cash strategy"></a><ul><li class="clearfix"><a href="/euro/cash_strategy/cash_role/html/index.en.html">The role of cash</a></li><li class="clearfix"><a href="/euro/cash_strategy/issuance/html/index.en.html">Issuance and circulation</a></li><li class="clearfix"><a href="/euro/cash_strategy/acceptance-cash/html/index.en.html">Access to and acceptance of cash</a></li><li class="clearfix"><a href="/euro/cash_strategy/faqs/html/index.en.html">Frequently asked questions</a></li></ul></li><li class="has-subpages"><a href="/euro/banknotes/html/index.en.html">Banknotes</a><a href="#" class="subpages" title="toggle subpages for Banknotes"></a><ul><li class="has-subpages"><a href="/euro/banknotes/future_banknotes/html/index.en.html">Future banknotes</a><a href="#" class="subpages" title="toggle subpages for Future banknotes"></a><ul><li class="clearfix"><a href="/euro/banknotes/future_banknotes/redesign/html/index.en.html">Redesign process</a></li></ul></li><li class="has-subpages"><a href="/euro/banknotes/current/html/index.en.html">Current banknotes</a><a href="#" class="subpages" title="toggle subpages for Current banknotes"></a><ul><li class="clearfix"><a href="/euro/banknotes/current/denominations/html/index.en.html">Denominations</a></li><li class="clearfix"><a href="/euro/banknotes/current/design/html/index.en.html">Design elements</a></li><li class="clearfix"><a href="/euro/banknotes/current/security/html/index.en.html">Security features</a></li></ul></li><li class="clearfix"><a href="/euro/banknotes/ac/html/index.en.html">Anti-counterfeiting</a></li><li class="clearfix"><a 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Union. It was <a title="Press release" href="/press/pr/date/2013/html/pr131219.en.html">launched</a> on 19 December 2013 by the ECB and replaced the <a href="/paym/groups/erpb/shared/pdf/SEPA_Council_description_functioning.pdf" title="The SEPA Council: Description and functioning">SEPA Council</a>.</p> <h2>Achievements</h2> <p>Since its launch, the ERPB has been instrumental in removing some of the remaining national characteristics after migration to the SEPA credit transfer and direct debit schemes. It has also played a pivotal role in ensuring that new payment solutions have not led to further fragmentation of the euro retail payments market.</p> <p> The ERPB has facilitated the development of an integrated, innovative and competitive euro retail payments market in the following areas:</p> <ul> <li><strong>Instant payments:</strong> Under the impetus of the ERPB, the European Payments Council introduced a scheme for instant payments. The scheme went live in November 2017 and provides the basis for pan-European instant payments in euro.</li> <li><strong>Payment initiation services:</strong> The ERPB established a working group to define the technical, operational and business requirements for payment initiation services. These market requirements complement the legal requirements of the Payment Services Directive (PSD2) and are essential to ensure the services work efficiently across the whole of Europe.</li> <li><strong>P2P mobile payments:</strong> To facilitate interoperability at pan-European level between existing and future person-to-person (P2P) mobile payment solutions, the ERPB has begun working on a standardised lookup service that allows mobile phone numbers to be used as proxies for IBANs.</li> <li><strong>Contactless payments:</strong> The ERPB has made recommendations to support its vision of developing a Europe-wide secure, convenient, consistent, efficient and trusted payment experience for customers for all retail transactions at the point of interaction, based on commonly accepted and standardised contactless and other proximity payment technologies.</li> </ul> <p>In close cooperation with the European Cards Stakeholders Group, the ERPB has also successfully addressed the need for further harmonisation in the field of card payments.</p> <h2>Organisation</h2> <p>The ERPB is chaired by a high-level representative of the ECB and comprises the following <a href="/paym/groups/erpb/shared/pdf/ERPB_composition.pdf" title="Composition of the ERPB">members</a>:</p> <ul> <li>on the supply side of the market: <ol> <li>one representative from the payment services provider community;</li> <li>three banking representatives;</li> <li>two representatives from payment institutions;</li> <li>one e-money representative.</li> </ol> </li> <li>on the demand side of the market, two consumer representatives and one representative from each of the following stakeholder categories: <ol> <li>retailers with a physical presence; </li> <li>internet retailers;</li> <li>businesses/corporates;</li> <li>small and medium-sized enterprises, and</li> <li>national public administrations.</li> </ol> </li> </ul> <p>In addition, five national central banks (NCBs) representing the Eurosystem, and one NCB representing the non-euro NCB community take part in ERPB meetings on a rotational basis. The European Commission is invited to attend these meetings as an observer.</p> <h2>List of ERPB related publications</h2> <p>The ERPB reports annually on its activities, common positions, guidance and/or statements adopted in the previous year as well as on its objectives and deliverables for the following year. </p> <ul class="-link-icons"> <li><a href="/paym/groups/erpb/shared/pdf/ERPB_annual_report_2020-21.pdf">Annual report of the Euro Retail Payments Board 2020-2021</a></li> <li><a href="/paym/groups/erpb/shared/pdf/ERPB_annual_report_2019-20.pdf">Annual report of the Euro Retail Payments Board 2019-2020</a></li> <li><a href="/paym/groups/erpb/shared/pdf/ERPB_reaction_to_Commission_consultation_on_retail_payments_2020.pdf" class="pdf">ERPB response to the Commission’s consultation on a retail payments strategy for the EU – June 2020 </a></li> <li><a href="/paym/groups/erpb/shared/pdf/ERPB_annual_report_2018-19.pdf" class="pdf">Annual report of the Euro Retail Payments Board 2018-2019</a></li> <li><a href="/paym/groups/erpb/shared/pdf/ERPB_annual_report_2017-18.pdf">Annual report of the Euro Retail Payments Board 2017-2018</a></li> <li><a href="/paym/groups/erpb/shared/pdf/ERPB_annual_report_2016-17.pdf">Annual report of the Euro Retail Payments Board 2016-2017</a></li> <li><a href="/paym/groups/erpb/shared/pdf/ERPB_annual_report_2015-16.pdf">Annual report of the Euro Retail Payments Board 2015-2016</a></li> <li><a href="/paym/groups/erpb/shared/pdf/ERPB_reaction_to_Commission_Green_Paper_on_retail_financial_services.pdf">ERPB response to the Commission’s Green Paper on retail financial services – March 2016</a></li> <li><a href="/paym/groups/erpb/shared/pdf/ERPB_annual_report_2014-15.pdf">Annual report of the Euro Retail Payments Board 2014-2015</a></li> <li><a href="/paym/groups/erpb/shared/pdf/Record_of_past_ERPB_recommendations.pdf">Record of past ERPB recommendations</a></li> </ul> </div> <div class="accordion"> <div class="header"> <div class="title">Twenty-second ERPB meeting on 2 December 2024</div> </div> <div class="content-box"> <ul><li><a href="/paym/groups/erpb/shared/pdf/22nd-ERPB-meeting/Statement.pdf">Statement</a></li><li><a href="/paym/groups/erpb/shared/pdf/22nd-ERPB-meeting/Agenda.pdf">Agenda</a></li><li><a href="/paym/groups/erpb/shared/pdf/22nd-ERPB-meeting/Introductory_remarks_by_the_Chair.pdf">Introductory remarks by the Chair</a></li><li><a href="/paym/groups/erpb/shared/pdf/22nd-ERPB-meeting/Digital_euro_update.pdf">Update on Digital Euro</a></li><li><a href="/paym/groups/erpb/shared/pdf/22nd-ERPB-meeting/Status_update_on_SCT_Inst_scheme.pdf">Status update on SCT Inst scheme</a></li><li><a href="/paym/groups/erpb/shared/pdf/22nd-ERPB-meeting/Upcoming_milestones_on_the_high_level_communication_strategy_for_end_users_for_instant_payments.pdf">Upcoming milestones on the high level communication strategy to end-users on instant payments</a></li><li><a href="/paym/groups/erpb/shared/pdf/22nd-ERPB-meeting/Accessibility_to_retail_payments_proposed_follow_up.pdf">Proposed follow-up on accessibility to retail payments</a></li><li><a href="/paym/groups/erpb/shared/pdf/22nd-ERPB-meeting/Review_of_the_ERPB_functioning.pdf">Review of the ERPB functioning</a></li><li><a href="/paym/groups/erpb/shared/pdf/22nd-ERPB-meeting/Status_of_past_ERPB_recommendations.pdf">Status of past ERPB recommendations</a></li><li><a href="/paym/groups/erpb/shared/pdf/22nd-ERPB-meeting/SEPA_Payment_Account_Access_Scheme_Status_Update.pdf">SEPA Payment Account Access scheme status update</a></li><li><a href="/paym/groups/erpb/shared/pdf/22nd-ERPB-meeting/SEPA_Request_to_Pay_Scheme_Status_Update.pdf">SEPA Request-to-Pay scheme status update</a></li><li><a href="/paym/groups/erpb/shared/pdf/22nd-ERPB-meeting/European_Payments_Stakeholders_Group_Status_Report.pdf">European Payments Stakeholders Group status report</a></li></ul> </div> <div class="header"> <div class="title">Twenty-first ERPB meeting on 17 June 2024</div> </div> <div class="content-box"> <ul><li><a href="/paym/groups/erpb/shared/pdf/21st-ERPB-meeting/Statement.pdf">Statement</a></li><li><a href="/paym/groups/erpb/shared/pdf/21st-ERPB-meeting/Agenda.pdf">Agenda</a></li><li><a href="/paym/groups/erpb/shared/pdf/21st-ERPB-meeting/Digital_euro_update.pdf">Update on Digital Euro</a></li><li><a href="/paym/groups/erpb/shared/pdf/21st-ERPB-meeting/Status_update_on_SCT_Inst_scheme.pdf">Status update on SCT Inst scheme</a></li><li><a href="/paym/groups/erpb/shared/pdf/21st-ERPB-meeting/High_level_communication_strategy_to_end_users_on_instant_payments.pdf">High level communication strategy to end-users on instant payments</a></li><li><a href="/paym/groups/erpb/shared/pdf/21st-ERPB-meeting/Report_from_the_ERPB_Working_Group_on_fraud_prevention.pdf">Report from the ERPB Working Group on fraud prevention</a><br></li><li><a href="/paym/groups/erpb/shared/pdf/21st-ERPB-meeting/Environmental_best_practices_in_electronic_retail_payments.pdf">Environmental best practices in electronic retail payments</a></li><li><a href="/paym/groups/erpb/shared/pdf/21st-ERPB-meeting/Possible_new_ERPB_activities.pdf">Possible new ERPB activities</a></li><li><a href="/paym/groups/erpb/shared/pdf/21st-ERPB-meeting/Review_of_the_ERPB_membership_2024.pdf">Review of the ERPB membership – 2024</a></li><li><a href="/paym/groups/erpb/shared/pdf/21st-ERPB-meeting/Status_of_past_ERPB_recommendations.pdf">Status of past ERPB recommendations</a></li><li><a href="/paym/groups/erpb/shared/pdf/21st-ERPB-meeting/SEPA_Payment_Account_Access_Scheme_Status_Update.pdf">SEPA Payment Account Access scheme status update</a></li><li><a href="/paym/groups/erpb/shared/pdf/21st-ERPB-meeting/SEPA_Request_to_Pay_Scheme_Status_Update.pdf">SEPA Request-to-Pay scheme status update</a></li></ul> </div> <div class="header"> <div class="title">Twentieth ERPB meeting on 20 November 2023</div> </div> <div class="content-box"> <ul><li><a href="/paym/groups/erpb/shared/pdf/20th-ERPB-meeting/Statement.pdf">Statement</a></li><li><a href="/paym/groups/erpb/shared/pdf/20th-ERPB-meeting/Agenda.pdf">Agenda</a></li><li><a href="/paym/groups/erpb/shared/pdf/20th-ERPB-meeting/Update_on_digital_euro.pdf">Update on Digital Euro</a></li><li><a href="/paym/groups/erpb/shared/pdf/20th-ERPB-meeting/Status_update_on_SCT_Inst_scheme.pdf">Status update on SCT Inst scheme</a></li><li><a href="/paym/groups/erpb/shared/pdf/20th-ERPB-meeting/Status_update_on_SCT_Inst_scheme_-_Annex.pdf">Status update on SCT Inst scheme – Annex</a></li><li><a href="/paym/groups/erpb/shared/pdf/20th-ERPB-meeting/Proposal_for_finalisation_of_high_level_communication_strategy_on_instant_payments.pdf">Proposal for finalisation of high-level communication on instant payments</a></li><li><a href="/paym/groups/erpb/shared/pdf/20th-ERPB-meeting/ERPB_Working_Group_on_fraud_Interim_findings.pdf">ERPB Working Group on fraud – interim findings</a></li><li><a href="/paym/groups/erpb/shared/pdf/20th-ERPB-meeting/SEPA_Payment_Account_Access_scheme_status_update.pdf">SEPA Payment Account Access scheme status update</a></li><li><a href="/paym/groups/erpb/shared/pdf/20th-ERPB-meeting/ERPB_priorities_for_2024.pdf">ERPB priorities for 2024</a></li><li><a href="/paym/groups/erpb/shared/pdf/20th-ERPB-meeting/SEPA_Request_to_Pay_scheme_status_update.pdf">SEPA Request-to-Pay scheme status update</a></li><li><a href="/paym/groups/erpb/shared/pdf/20th-ERPB-meeting/European_Payments_Stakeholders_Group_status_update.pdf">European Payments Stakeholders Group status update</a></li><li><a href="/paym/groups/erpb/shared/pdf/20th-ERPB-meeting/Status_of_past_ERPB_recommendations.pdf">Status of past ERPB recommendations</a></li></ul> </div> <div class="header"> <div class="title">Nineteenth ERPB meeting on 25 May 2023</div> </div> <div class="content-box"> <ul><li><a href="/paym/groups/erpb/shared/pdf/19th-ERPB-meeting/Statement.pdf">Statement</a></li><li><a href="/paym/groups/erpb/shared/pdf/19th-ERPB-meeting/Agenda.pdf">Agenda</a></li><li><a href="/paym/groups/erpb/shared/pdf/19th-ERPB-meeting/Update_on_Digital_Euro.pdf">Update on Digital Euro</a></li><li><a href="/paym/groups/erpb/shared/pdf/19th-ERPB-meeting/Status_update_on_SCT_Inst_scheme.pdf">Status update on SCT Inst scheme</a></li><li><a href="/paym/groups/erpb/shared/pdf/19th-ERPB-meeting/SEPA_Payment_Account_Access_scheme_Status_Update.pdf">SEPA Payment Account Access scheme status update</a></li><li><a href="/paym/groups/erpb/shared/pdf/19th-ERPB-meeting/Update_of_the_ERPB_workplan.pdf">Update of the ERPB workplan</a></li><li><a href="/paym/groups/erpb/shared/pdf/19th-ERPB-meeting/Results_SPACE_study_2022.pdf">Results SPACE study 2022</a></li><li><a href="/paym/groups/erpb/shared/pdf/19th-ERPB-meeting/SEPA_Request-to-Pay_scheme_Status_Update.pdf">SEPA Request-to-Pay scheme status update</a></li><li><a href="/paym/groups/erpb/shared/pdf/19th-ERPB-meeting/Status_of_past_ERPB_recommendations.pdf">Status of past ERPB recommendations</a></li></ul> </div> <div class="header"> <div class="title">Eighteenth ERPB meeting on 21 November 2022</div> </div> <div class="content-box"> <ul> <li><a href="/paym/groups/erpb/shared/pdf/18th-ERPB-meeting/Statement.en.pdf">Statement</a></li> <li><a href="/paym/groups/erpb/shared/pdf/18th-ERPB-meeting/Agenda.en.pdf">Agenda</a></li> <li><a href="/paym/groups/erpb/shared/pdf/18th-ERPB-meeting/Update_on_digital_euro_investigation.en.pdf">Update on digital euro investigation</a></li> <li><a href="/paym/groups/erpb/shared/pdf/18th-ERPB-meeting/SCT_Inst_scheme_status_update.en.pdf">SCT Inst scheme update</a></li> <li><a href="/paym/groups/erpb/shared/pdf/18th-ERPB-meeting/Report_from_ERPB_workstream_on_high_-_level_communication_strategy_to_end_users_on_instant_payments.en.pdf">Report from ERPB workstream on high-level communication strategy to end-users on instant payments</a></li> <li><a href="/paym/groups/erpb/shared/pdf/18th-ERPB-meeting/Status_update_on_the_work_on_SEPA_Payment_Account_Access.en.pdf">Status update on the work on SEPA Payment Account Access</a></li> <li><a href="/paym/groups/erpb/shared/pdf/18th-ERPB-meeting/Update_of_the_ERPB_workplan.en.pdf">Update of the ERPB workplan</a></li> <li><a href="/paym/groups/erpb/shared/pdf/18th-ERPB-meeting/SEPA_Request_-_to_-_Pay_Scheme_Status_Update.en.pdf">SEPA Request-to-Pay status update</a></li> <li><a href="/paym/groups/erpb/shared/pdf/18th-ERPB-meeting/European_Cards_Stakeholders_Group_-_status_report_on_cards_standardisation.en.pdf">European Cards Stakeholders Group – status report on cards standardisation</a></li> <li><a href="/paym/groups/erpb/shared/pdf/18th-ERPB-meeting/Status_of_past_ERPB_recommendations.en.pdf">Status of past ERPB recommendations</a></li> </ul> </div> <div class="header"> <div class="title">Seventeenth ERPB meeting on 7 July 2022</div> </div> <div class="content-box"> <ul> <li><a href="/paym/groups/erpb/shared/pdf/17th-ERPB-meeting/Statement.pdf">Statement</a></li> <li><a href="/paym/groups/erpb/shared/pdf/17th-ERPB-meeting/Agenda.pdf">Agenda</a></li> <li><a href="/paym/groups/erpb/shared/pdf/17th-ERPB-meeting/Update_on_digital_euro_investigation.pdf">Update on digital euro investigation</a></li> <li><a href="/paym/groups/erpb/shared/pdf/17th-ERPB-meeting/SCT_Inst_scheme_update.pdf">SCT Inst scheme update</a></li> <li><a href="/paym/groups/erpb/shared/pdf/17th-ERPB-meeting/SEPA_Payment_Account_Access_Scheme_update.pdf">Status update on the work on SEPA Payment Account Access</a></li> <li><a href="/paym/groups/erpb/shared/pdf/17th-ERPB-meeting/Implementation_of_the_recommendations_on_transparency_for_retail_payments_end-users_–_impact_assessment.pdf">Implementation of the recommendations on transparency for retail payments end-users – impact assessment</a></li> <li><a href="/paym/groups/erpb/shared/pdf/17th-ERPB-meeting/ERPB_priorities_for_2022.pdf">ERPB priorities for 2022</a></li> <li><a href="/paym/groups/erpb/shared/pdf/17th-ERPB-meeting/Review_of_the_ERPB_membership.pdf">Review of the ERPB membership</a></li> <li><a href="/paym/groups/erpb/shared/pdf/17th-ERPB-meeting/Retail_payments_accessibility.pdf">Retail payments accessibility</a></li> <li><a href="/paym/groups/erpb/shared/pdf/17th-ERPB-meeting/Status_of_past_ERPB_recommendations.pdf">Status of past ERPB recommendations</a></li> <li><a href="/paym/groups/erpb/shared/pdf/17th-ERPB-meeting/SEPA_Request-to-Pay_scheme_update.pdf">SEPA Request-to-Pay scheme update</a></li> </ul> </div> <div class="header"> <div class="title">Sixteenth ERPB meeting on 25 November 2021</div> </div> <div class="content-box"> <ul> <li> <a href="/paym/groups/erpb/shared/pdf/16th-ERPB-meeting/Statement.pdf">Statement</a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/16th-ERPB-meeting/Agenda.pdf">Agenda</a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/16th-ERPB-meeting/Basic_concepts_and_design_choices_of_a_digital_euro.pdf">Basic concepts and design choices of a digital euro</a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/16th-ERPB-meeting/ERPB_engagement_in_the_digital_euro_investigation_phase.pdf">ERPB engagement in the digital euro investigation phase</a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/16th-ERPB-meeting/Report_from_the_ERPB_working_group_on_access_to_and_acceptance_of_cash.pdf">Report from the ERPB working group on access to and acceptance of cash</a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/16th-ERPB-meeting/SCT_Inst_scheme_status_update.pdf">SCT Inst scheme status update</a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/16th-ERPB-meeting/Standardisation_and_governance_of_QR-codes_for_instant_payments_at_the_point-of-interaction.pdf">Standardisation and governance of QR-codes for instant payments at the point-of-interaction</a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/16th-ERPB-meeting/Business_requirements_for_consumer_selection_of_preferred_payment_instrument.pdf">Business requirements for consumer selection of preferred payment instrument</a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/16th-ERPB-meeting/Update_on_developments_of_dedicated_POI_specifications.pdf">Update on developments of dedicated POI specifications</a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/16th-ERPB-meeting/SEPA_Proxy_Lookup_scheme_status_update.pdf">SEPA Proxy Lookup scheme status update</a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/16th-ERPB-meeting/SEPA_Payment_Account_Access_Scheme_status_update.pdf">SEPA Payment Account Access Scheme status update</a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/16th-ERPB-meeting/ERPB_recommendations_on_transparency_for_retail_payments_end-users_–_outcome_of_impact_assessment.pdf">ERPB recommendations on transparency for retail payments end-users – outcome of impact assessment</a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/16th-ERPB-meeting/ERPB_priorities_for_2022.pdf">ERPB priorities for 2022</a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/16th-ERPB-meeting/SEPA_request-to-pay_scheme_status_update.pdf">SEPA request-to-pay scheme status update</a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/16th-ERPB-meeting/European_Cards_Stakeholders_Group_status_report_on_cards_standardisation.pdf">European Cards Stakeholders Group status report on cards standardisation</a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/16th-ERPB-meeting/Status_of_past_ERPB_recommendations.pdf">Status of past ERPB recommendations</a> </li> </ul> </div> <div class="header"> <div class="title">Fifteenth ERPB meeting on 28 June 2021</div> </div> <div class="content-box"> <ul> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/15th-ERPB-meeting/Statement.pdf?a9497c7329f4fabef5c0099a795a8528">Statement</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/15th-ERPB-meeting/Agenda.pdf?3a63f046c0c96cfb8cfaad5441b4acad">Agenda</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/15th-ERPB-meeting/Final_report_of_the_ERPB_working_group_on_transparency_for_retail_payments_end_-_users.pdf?e53826e577a16eced647ffe382578861">Final report from the ERPB working group on transparency for retail payments end-users</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/15th-ERPB-meeting/Status_update_on_SCT_Inst_scheme.pdf?b2afb8eeeba23e0045c53608a0925d4c">Status update on the SCT Inst scheme</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/15th-ERPB-meeting/EPC_position_on_the_development_of_an_instant_payments_recognition_label.pdf?3552562fd3c3dbdf1c112fb1cac923ae">EPC position on the development of an instant payments recognition label</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/15th-ERPB-meeting/MSG_MSCT_status_reporting_on_follow_-_up_to_ERPB_recommendations_on_instant_at_POI.pdf?6239f6d094b7c22793e589c1ca0237f9">MSG MSCT reporting on the follow-up to ERPB recommendations on instant payments at the POI</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/15th-ERPB-meeting/Secretariat_proposal_on_instant_payments_communication_for_end_-_users.pdf?d684fabb60d398e0713199eaf151755d">Secretariat proposal on instant payments communication for end-users</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/15th-ERPB-meeting/Report_from_the_ERPB_working_group_on_a_SEPA_API_Access_Scheme.pdf?52770756a713895bdc4fd072873346be">Report from the ERPB working group on a SEPA API Access Scheme</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/15th-ERPB-meeting/Follow_-_up_on_past_recommendations.pdf?3ec823ff899c8780bdd439888e8fcd9d">Follow-up on past recommendations</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/15th-ERPB-meeting/Status_update_on_the_SEPA_request_-_to_-_pay_scheme.pdf?9cdc1fd8cb914ff6c2d00e4f98df57d3">Status update on the SEPA request-to-pay scheme</a></li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/15th-ERPB-meeting/Interim_report_of_the_ERPB_working_group_on_access_to_cash.pdf?bab44577788c4e977b4e839d3d08f5bb">Interim report of the ERPB working group on access to cash</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/15th-ERPB-meeting/Update_of_the_ERPB_workplan.pdf?a91dfbc4f299ac4b08ed11743b110ae5">Update of the ERPB workplan</a> </li> </ul> </div> <div class="header"> <div class="title">Fourteenth ERPB meeting on 26 November 2020</div> </div> <div class="content-box"> <ul> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/14th-ERPB-meeting/Statement.pdf?352d20823cd2f48606069c77372be042">Statement</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/14th-ERPB-meeting/Agenda.pdf?ef5a71553b62b48570221f996a64bb2a">Agenda</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/14th-ERPB-meeting/ECB_report_on_a_digital_euro_-_presentation.pdf?caf00e382b691fc81c68d46aab54a730">ECB report on a digital euro – presentation</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/14th-ERPB-meeting/Status_update_on_the_SEPA_Proxy_Lookup.pdf?32dcb2dd16c76937bbcf59b8afd1c47c">Status update on the SEPA Proxy Lookup</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/14th-ERPB-meeting/Status_update_on_the_SCT_Inst_scheme.pdf?cbec7731aa9f25fdc11a649ab133ee1a">Status update on the SCT Inst scheme</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/14th-ERPB-meeting/Recognition_label_for_instant_payments_at_the_POI.pdf?8d9b4bdd4a80641bf5f21787a48301fa">Recognition label for instant payments at the POI</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/14th-ERPB-meeting/ERPB_working_group_on_instant_at_the_POI_-_Framework_for_interoperability_of_instant_payments_at_the_POI.pdf?db00f43b17d4aeeb4a83ae82187d53c8">ERPB working group on instant at the POI – Framework for interoperability of instant payments at the POI</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/14th-ERPB-meeting/ERPB_working_group_on_instant_at_the_POI_-_Specifications_for_payment_instrument_selection.pdf?db00f43b17d4aeeb4a83ae82187d53c8">ERPB working group on instant at the POI – Specifications for payment instrument selection</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/14th-ERPB-meeting/Requirements_for_the_development_of_dedicated_specifications.pdf?aab08d1bfe17df34f6e86f1c1474a0a2">Requirements for the development of dedicated specifications</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/14th-ERPB-meeting/Reporting_by_the_informal_workstream_on_a_SEPA_API_access_scheme.pdf?aab08d1bfe17df34f6e86f1c1474a0a2">Reporting by the informal workstream on a SEPA API access scheme</a> </li><li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/14th-ERPB-meeting/Mandate_of_the_working_group_on_a_SEPA_API_access_scheme.pdf?a8d9ac20cc6887d6934493dafc286d15">Mandate of the working group on a SEPA API access scheme</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/14th-ERPB-meeting/Presentation_on_SPACE_results.pdf?231a8172d862b30727d69269ddc07abe">Presentation on SPACE results</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/14th-ERPB-meeting/Access_to_cash.pdf?231a8172d862b30727d69269ddc07abe">Access to cash</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/14th-ERPB-meeting/ECSG_status_report.pdf?231a8172d862b30727d69269ddc07abe">ECSG status report</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/14th-ERPB-meeting/Update_of_the_ERPB_workplan.pdf?ef5a71553b62b48570221f996a64bb2a">Update of the ERPB workplan</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/14th-ERPB-meeting/Follow_-_up_on_past_recommendations.pdf?352d20823cd2f48606069c77372be042">Follow-up on past recommendations</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/14th-ERPB-meeting/Working_group_on_transparency_for_retail_payments_end-users-interim_-_report.pdf?ba308fd4908c0c8f755496a975bb8e04">Working group on transparency for retail payments end-users – interim report</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/14th-ERPB-meeting/Status_update_on_the_SEPA_request-to-pay_scheme.pdf?caf00e382b691fc81c68d46aab54a730">Status update on the SEPA request-to-pay scheme</a> </li> </ul> </div> <div class="header"> <div class="title">Thirteenth ERPB meeting on 6 July 2020</div> </div> <div class="content-box"> <ul> <li> <a href="/paym/groups/erpb/shared/pdf/13th-ERPB-meeting/Statement_of_13th_ERPB_ meeting.pdf" class="pdf">Statement</a> </li><li> <a href="/paym/groups/erpb/shared/pdf/13th-ERPB-meeting/Agenda_of_the_13th_ERPB_meeting_-_telco.pdf" class="pdf">Agenda</a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/13th-ERPB-meeting/Item_2_-_ERPB_response_to_the_current_Covid19_pandemic.pdf" class="pdf">ERPB response to the current Covid19 pandemic</a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/13th-ERPB-meeting/Item_3.2_-_EPC_SPL_Scheme_Status_Update.pdf" class="pdf">Status update on the SEPA Proxy Lookup Scheme </a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/13th-ERPB-meeting/Item_4.2_-_EPC_status_update_on_SCT_Inst_scheme.pdf" class="pdf">Status update on SCT Inst scheme </a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/13th-ERPB-meeting/Item_4.4_-_Interim_report_of_the_WG_on_a_framework_for_instant_at_POI.pdf" class="pdf">Interim report from the ERPB Working Group on a framework for instant at POI</a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/13th-ERPB-meeting/Item_5.1_-_ERPB_priorities_for_2020.pdf" class="pdf">ERPB priorities for 2020 </a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/13th-ERPB-meeting/Item_5.2_-_Proposal_on_transparency_for_retail_payments_end_users.pdf" class="pdf">Proposal on transparency for retail payment end users</a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/13th-ERPB-meeting/Item_5.3_-_BEUC_presentation_on_access_to_cash.pdf" class="pdf">Presentation on access to cash by BEUC </a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/13th-ERPB-meeting/Item_6_-_Review_of_the_ERPB_membership_-_2020.pdf" class="pdf">Review of the ERPB membership </a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/13th-ERPB-meeting/Item_7_-_ERPB_communication_approach.pdf" class="pdf">ERPB communication approach </a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/13th-ERPB-meeting/Item_8_-_Status_of_past_ERPB_recommendations.pdf" class="pdf">Status of past ERPB recommendations </a> </li> <li> <a href="/paym/groups/erpb/shared/pdf/13th-ERPB-meeting/Item_9_-_For_information_-_EPC_SRTP_Scheme_Status_Update.pdf" class="pdf">SEPA Request to Pay scheme status update </a> </li> </ul> </div> <div class="header"> <div class="title">Twelfth ERPB meeting on 25 November 2019</div> </div> <div class="content-box"> <ul> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/12th-ERPB-meeting/Statement.pdf?8f5bd56a229964fc0353ee6289a799b6">Statement</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/12th-ERPB-meeting/Agenda.pdf?207596fd2b634acaf3aaeba00ab91ef6">Agenda</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/12th-ERPB-meeting/Follow_-_up_on_past_recommendations.pdf?235684b4ccf985065f56691af48fcdeb">Follow-up on past recommendations</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/12th-ERPB-meeting/SPL_Scheme_status_update.pdf?efe8385c4196f8094d5b6625f7ffdc79">Status update on the SEPA Proxy Lookup Scheme</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/12th-ERPB-meeting/EPC_Status_update_on_SCT_Inst_Scheme.pdf?efe8385c4196f8094d5b6625f7ffdc79">Status update on SCT Inst scheme</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/12th-ERPB-meeting/Report_from_the_ERPB_WG_on_instant_at_POI.pdf?efe8385c4196f8094d5b6625f7ffdc79">Report from the ERPB WG on instant at POI</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/12th-ERPB-meeting/Dissenting_opinion_on_the_instant_at_POI_report.pdf?efe8385c4196f8094d5b6625f7ffdc79">Dissenting opinion on the instant at POI report</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/12th-ERPB-meeting/Report_from_the_RTP_MSG.pdf?efe8385c4196f8094d5b6625f7ffdc79">Report from the RTP MSG</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/12th-ERPB-meeting/Report_from_the_EIPP_MSG.pdf?efe8385c4196f8094d5b6625f7ffdc79">Report from the EIPP MSG</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/12th-ERPB-meeting/ERPB_priorities_for_2020.pdf?e3b1388fdd535da9ff8ca3b9da689010">ERPB priorities for 2020</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/12th-ERPB-meeting/ECSG_status_update_on_cards_standardisation.pdf?efe8385c4196f8094d5b6625f7ffdc79">ECSG status update on cards standardisation</a> </li> </ul> </div> <div class="header"> <div class="title">Eleventh ERPB meeting on 13 June 2019</div> </div> <div class="content-box"> <ul> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/11th-ERPB-meeting/Statement.pdf?ef3b1ade05ebbba0c0f78ae510b076de">Statement</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/11th-ERPB-meeting/Agenda.pdf?02bb7d994009faa769053eec53fd1890">Agenda</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/11th-ERPB-meeting/Follow_-_up_on_past_recommendations.pdf?98b0ccc55ab92a6ff6ba86b431bb4d8b">Follow-up on past recommendations</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/11th-ERPB-meeting/SPL_Scheme_Status_Update.pdf?18ac5087de44551bb766b9fae7ca11f0">Status update on the SEPA Proxy Lookup Scheme</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/11th-ERPB-meeting/Status_update_on_SCT_Inst_scheme.pdf?18ac5087de44551bb766b9fae7ca11f0">Status update on SCT Inst</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/11th-ERPB-meeting/Interim_Report_from_the_ERPB_WG_on_ Instant_at_POI.pdf?18ac5087de44551bb766b9fae7ca11f0">Interim report from the ERPB WG on instant at POI</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/11th-ERPB-meeting/Report_from_the_ERPB_WG_on_a_SEPA_API_Access_Scheme.pdf?18ac5087de44551bb766b9fae7ca11f0">Report from the ERPB WG on a SEPA API Access Scheme</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/11th-ERPB-meeting/FoEF_letter_on_SEPA_API_Access_Scheme_report.pdf?d27944ebfa51d5e2f5a0832ce4072cf2">FoEF letter on SEPA API Access Scheme Report</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/11th-ERPB-meeting/EMA_letter_on_SEPA_API_Access_Scheme_report.pdf?ad55832040c318724af40c78b4bc56b1">EMA letter on SEPA API Access Scheme Report</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/11th-ERPB-meeting/ECSAs_letter_on_SEPA_API_Access_Scheme_Report.pdf?3ed4477915e83f6aa1031bd001689b1b">ECSAs letter on SEPA API Access Scheme Report</a> </li> </ul> </div> <div class="header"> <div class="title">Tenth ERPB meeting on 28 November 2018</div> </div> <div class="content-box"> <ul> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/10th-ERPB-meeting/Statement.pdf?32cf8f15483d29182fc1d72f40bbf7b4">Statement</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/10th-ERPB-meeting/Agenda.pdf?d9028c7773ad2aa8ca55a5122873a82d">Agenda</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/10th-ERPB-meeting/Assessment_of_follow_-_up_of_past_recommendations.pdf?7b77095d9acbfcb5c7078f173bd7e242">Follow-up on past recommendations</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/10th-ERPB-meeting/Status_update_on_the_SEPA_Proxy_Lookup_scheme.pdf?69a92753bfde68360b418245c6888846">Status update on the SEPA Proxy Lookup Scheme</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/10th-ERPB-meeting/Status_update_on_SCT_Inst.pdf?2305a8a870431a0b3be513cadbd262c5">Status update on SCT Inst</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/10th-ERPB-meeting/Report_from_the_EIPP_Multi_-_Stakeholder_Group.pdf?6fb4e75198566ea357712e02fad3a58e">Report from the EIPP Multi-Stakeholder Group</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/10th-ERPB-meeting/Final_report_of_the_informal_group_on_broader_accessibility.pdf?2305a8a870431a0b3be513cadbd262c5">Final report from the informal group on broader accessibility</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/10th-ERPB-meeting/Update_of_the_ERPB_workplan.pdf?c6f1974812dd95cd6db6af85c4d80766">Update of the ERPB workplan</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/10th-ERPB-meeting/ECSG_Status_Report_on_cards_standardisation.pdf?2305a8a870431a0b3be513cadbd262c5">ECSG status update on cards standardisation</a> </li> </ul> </div> <div class="header"> <div class="title">Ninth ERPB meeting on 18 June 2018</div> </div> <div class="content-box"> <ul> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/9th-ERPB-meeting/Statement.pdf?f38041b0efc923fc4a7e6b41134e0061">Statement</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/9th-ERPB-meeting/Agenda.pdf?1cc98208f4cbd4b1e3dfdaf80c30387e">Agenda</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/9th-ERPB-meeting/Assessment_of_follow_-_up_of_past_recommendations.pdf?1cc98208f4cbd4b1e3dfdaf80c30387e">Assessment of follow-up of past recommendations</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/9th-ERPB-meeting/Status_update_on_SCT_Inst_scheme.pdf?1cc98208f4cbd4b1e3dfdaf80c30387e">Status update on SCT Inst</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/9th-ERPB-meeting/MPF_report.pdf?1cc98208f4cbd4b1e3dfdaf80c30387e">MPF Report</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/9th-ERPB-meeting/Additional_Report_ERPB_WG_on_Payment_Initiation_Services.pdf?1cc98208f4cbd4b1e3dfdaf80c30387e">Additional report of the ERPB working group on PIS</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/9th-ERPB-meeting/Update_of_the_ERPB_workplan.pdf?1cc98208f4cbd4b1e3dfdaf80c30387e">Update of the ERPB workplan</a> </li> </ul> </div> <div class="header"> <div class="title">Eighth ERPB meeting on 29 November 2017</div> </div> <div class="content-box"> <ul> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/8th-ERPB-meeting/Statement.pdf?b05c49f62627dc533442125005e51a57">Statement</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/8th-ERPB-meeting/Agenda.pdf?de0b53ec14546aca0566565525d5e996">Agenda</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/8th-ERPB-meeting/Assessment_of_follow-up_of_past_ERPB_recommendations.pdf?66a31f6086bf856752dd9af0635cfb72">Assessment of follow-up of past recommendations</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/8th-ERPB-meeting/MPF_Status_update_to_the_November_2017_ERPB.pdf?fb093cad66ffeff432bc3f1c5a4bf3c6">MPF status report</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/8th-ERPB-meeting/Status_update_on_SCT_Inst_scheme.pdf?6ae1e3e2e050c5c59539b4984e240021">Status update on the SCT Inst scheme</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/8th-ERPB-meeting/PIS_working_group_report.pdf?483e4d28242cd84322850a01e549d116">ERPB WG on PIS report</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/8th-ERPB-meeting/EIPP_working_group_report.pdf?522a05eb9fde0192136bc7fdf062ac4f">ERPB WG on EIPP report</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/8th-ERPB-meeting/ECSG_contactless_feasibility_study.pdf?b2a34b67803f804ad75386db584b5bb3">ECSG contactless feasibility study</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/8th-ERPB-meeting/Informal_group_on_accessibility_report.pdf?547dcf2b39b708330134af631110ae90">Informal group on accessibility report</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/8th-ERPB-meeting/ECSG_stock_taking_on_cards_standardisation.pdf?0de5cf5e2247d96b043667b9675c9887">ECSG stock-taking on cards standardisation</a> </li> </ul> </div> <div class="header"> <div class="title">Seventh ERPB meeting on 12 June 2017</div> </div> <div class="content-box"> <ul> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/7th-ERPB-meeting/Statement.pdf?270b7b4055e27a8d4bc8ec54a61d971c">Statement</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/7th-ERPB-meeting/Agenda.pdf?dbc4d9f52171e4362887c30411b0d873">Agenda</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/7th-ERPB-meeting/Assesment_of_follow_up_on_ERPB_statements_positions_and_recommendations.pdf?dbc4d9f52171e4362887c30411b0d873">Assessment of follow-up on ERPB statements, positions and recommendations</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/7th-ERPB-meeting/Annex_to_Stat_past_ERPB_Recommendations_ECSG_Interim_Report_contatless_feasibility_study_and_progress_indicators.pdf?115946678f056d5ccc9eba5f72cb4a88">Annex to the assessment of follow-up of past ERPB statements, positions and recommendations</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/7th-ERPB-meeting/Intermediary_status_update_of_the_Steering_Committee_of_the_Mobile_Proxy.pdf?dbc4d9f52171e4362887c30411b0d873">Intermediary status update of the Steering Committee of the Mobile Proxy Forum</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/7th-ERPB-meeting/Status_update_on_SCT_Inst_scheme.pdf?dbc4d9f52171e4362887c30411b0d873">Status update on SCT Inst scheme</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/7th-ERPB-meeting/Report_of_the_ERPB_Working_Group_on_Payment_Initiation_Services.pdf?dbc4d9f52171e4362887c30411b0d873">Report of the ERPB Working Group on Payment Initiation Services</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/7th-ERPB-meeting/ECSG_Acquirer_to_Issuer_study.pdf?dbc4d9f52171e4362887c30411b0d873">ECSG Acquirer to Issuer Study</a> </li> </ul> </div> <div class="header"> <div class="title">Sixth ERPB meeting on 28 November 2016</div> </div> <div class="content-box"> <ul> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/6th-ERPB-meeting/Statement.pdf?9c44cd471861638f48376818d16213d2">ERPB Statement</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/6th-ERPB-meeting/Agenda.pdf?9c54e661e77fe39b0f524fd28717a96d">Agenda</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/6th-ERPB-meeting/Assessment_of_follow-up_on_ERPB_statements,positions_and_recommendations.pdf?8a9d6f2b5ac723af89879ca836084d29">Assessment of follow-up of past ERPB recommendations</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/6th-ERPB-meeting/MPF_intermediary_status_report_to_the_November_2016_ERPB.pdf?788f999a8e247e4b1eac28a95cd0a777">MPF intermediary status report to the November 2016 ERPB</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/6th-ERPB-meeting/Status_update_on_SCT_Inst_scheme.pdf?758d15cec6256cea7dcfbdfaba14f1a6">Status update on the SCT Inst scheme</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/6th-ERPB-meeting/Electronic_invoicing_solutions_related_to_retail_payments.pdf?4e4f3f02d20463bdf25bfe62731f66c8">Report from the Working Group on e-invoicing solutions related to retail payments</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/6th-ERPB-meeting/Pan-European_integration_of_payment_initiation_services_PIS.pdf?6cd5510c82f6e7d2fa308cc46b68279c">Secretariat note on pan European integration of payment initiation services</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/6th-ERPB-meeting/Mandate_of_the_working_group_on_payment_initaition_services.pdf?8011ec3d660529b12af514e6e7bc8639">Mandate of the working group on payment initiation services</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/6th-ERPB-meeting/Possible_further_ERPB_work_on_broader_accessibility_for_payment_users.pdf?0cfff2b6ed3ceefd537283bba60c3d1c">AGE Platform Europe-DNB note on possible work on broader accessibility for payment users</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/6th-ERPB-meeting/Study_by_ECSG_on_the_acquirer_to_issuer_domain.pdf?3c187b784f08ba3e64872bb8df5a31d2">ECSG interim report on the framework for a market-driven approach for ISO20022 migration in the acquirer-to-issuer domain</a> </li> </ul> </div> <div class="header"> <div class="title">Fifth ERPB meeting on 13 June 2016</div> </div> <div class="content-box"> <ul> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/5th-ERPB-meeting/0.Statement.pdf?831a0021beb343675dcd0820c387e27d">ERPB Statement</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/5th-ERPB-meeting/1.Agenda.pdf?763a2e5e29df182bda9ae060b5d4b316">Agenda</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/5th-ERPB-meeting/2.Assessment_of_follow-up_of_past_ERPB_recommendations.pdf?763a2e5e29df182bda9ae060b5d4b316">Assessment of follow-up of past ERPB recommendations</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/5th-ERPB-meeting/3.Intermediary_Status_update_of_the_SC_of_the_Mobile_Proxy_Forum.pdf?763a2e5e29df182bda9ae060b5d4b316">Intermediary status update of the Steering Committee of the Mobile Proxy Forum</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/5th-ERPB-meeting/4.Status_ update_on_SCT_Inst_scheme.pdf?763a2e5e29df182bda9ae060b5d4b316">Status update on SCT Inst scheme</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/5th-ERPB-meeting/proposal_workplan_update.pdf?6ebd6d8c059d9dfdef375c7cd8662361">Proposal for the update of the ERPB workplan</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/5th-ERPB-meeting/6.Pan-European_integration_ of_ payment_initiation_services.pdf?2744430f68b46c2aeec599b0daf824b6">Pan-European integration of payment initiation services</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/5th-ERPB-meeting/7a.CSG_A2I_Processing_Study.pdf?2744430f68b46c2aeec599b0daf824b6">CSG Acquirer to Issuer processing study</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/5th-ERPB-meeting/7b.CSG_presentation_of_A2I_processing_study.pdf?2744430f68b46c2aeec599b0daf824b6">CSG presentation on Acquirer to Issuer processing study</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/5th-ERPB-meeting/8.CSG_stock-taking_on_cards_standardisation.pdf?2744430f68b46c2aeec599b0daf824b6">CSG stock-taking on cards standardisation</a> </li> </ul> </div> <div class="header"> <div class="title">Fourth ERPB meeting on 26 November 2015</div> </div> <div class="content-box"> <ul> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/4th-ERPB-meeting/2015-11-26_4th-ERPB_meeting_final_statement.pdf?25029cf94b5c5d93e555201f86981bb4">ERPB Statement</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/4th-ERPB-meeting/2015-11-26_4th-ERPB_agenda.pdf?26db146926d5c0d2b5ff78adfe97b3b7">Agenda</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/4th-ERPB-meeting/2015-11-26_4th-ERPB_item_2_assessment_of_follow-up_on_past_ERPB_recommendation.pdf?070cf9677977f469d8568d5ffe380d8f">Assessment of follow-up on ERPB statements,positions and recommendations</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/4th-ERPB-meeting/2015-11-26_4th-ERPB_item_5_EPC_proposal_for_the_design_of_an_SCT_Instant_scheme_in_euro.pdf?7c61194669073552a2e6549a62138c21">EPC proposal for the design of an optional euro SCT Instant scheme</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/4th-ERPB-meeting/2015-11-26_4th-ERPB_item_5_Secretariat_note_on_EPC_design_proposal_for_instant_payment_scheme.pdf?b2f394ed05ebc1e9804143f53362480a">Review of the EPC proposal for the design of an instant SEPA Credit Transfer scheme</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/4th-ERPB-meeting/2015-11-26_4th-ERPB_item_6_ERPB_CTLP_working_group_final_report.pdf?726f67769d37722de341702fe5f2387a">Final report on mobile and card-based contactless proximity payments</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/4th-ERPB-meeting/2015-11-26_4th-ERPB_item_7_mandate_of_the_WG_on_e-invoicing_solutions_related_to_retail_payments.pdf?47be1aeca7831ef4e96c6a8e2d48ba9a">Mandate of the working group on e-invoicing solutions related to retail payment</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/4th-ERPB-meeting/2015-11-26_4th-ERPB_item_7_secretariat_note_on_e-invoicing_solutions_related_to_retail_payments-the_way_forward_in_SEPA.pdf?a7f6569af68e84c08726469c460413e3">e-invoicing solutions related to retail payments – the way forward in Sepa</a> </li> </ul> </div> <div class="header"> <div class="title">Third ERPB meeting on 29 June 2015</div> </div> <div class="content-box"> <ul> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/3rd_erpb_meeting_statement.pdf?4f019dc2a475d4d3115c7a1fc719b67b">ERPB statement</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/3rd_erpb_meeting_agenda.pdf?7885c5061ebede759fad5414cc5ce0e5">Agenda</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/3rd_erpb_meeting_item1_interim_report.pdf?814e1d5e243b654cd952f556ee80adc0">Contactless WG Interim Report to the ERPB</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/3rd_erpb_meeting_item2_assessment_reccommendations.pdf?46fdd39f0ae26c506cd1292995d7be38">Assessment of follow-up on past ERPB recommendations</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/3rd_erpb_meeting_item4a_report_instant_payments.pdf?2f416bda0c3d1bbdd7a1fbe083f7255e">EPC Report to the ERPB on Instant Payments</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/3rd_erpb_meeting_item4b_ERPB_secretariat_note.pdf?cf9d8f826d597bb72706dbd75559b7bb">ERPB Secretariat Note on Next Steps on Instant Payments</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/3rd_erpb_meeting_item5_report_recommendations_P2P_mobile_payments.pdf?aec3051e8d724f2ac8dd0143c8b55044">Report and Recommendations ERPB WG on P2P Mobile Payments</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/3rd_erpb_meeting_item6a_stock_taking_exerc.pdf?bb9425e0f0f768bcaa33c8e9fb73e06e">Report and Recommendations ERPB WG on P2P Mobile Payments</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/3rd_erpb_meeting_item6a_stock_taking_exerc.pdf?bb9425e0f0f768bcaa33c8e9fb73e06e">CSG Stock Taking Excercise: Presentation</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/3rd_erpb_meeting_item6b_stock_taking_exerc_progress_report_extract_exec_summary.pdf?69df594fc35c454e929ec55460aff346">CSG Stock Taking Excercise: Executive Summary of the Progress Report</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/3rd_erpb_meeting_item6c_stock_taking_exercise_progress_report.pdf?e24376de3d215e14d46b89a538edcbe5">CSG Stock Taking Excercise: Progress Report</a> </li> <li> <a class="xls" href="/paym/groups/erpb/shared/pdf/3rd_erpb_meeting_item6d_stock_taking_exerc_annex_3_detailed_data.xlsx?0ee93b2999544a9e24d3da5f6f6086b1">CSG Stock Taking Excercise: Annex 3 - Detailed Data</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/3rd_erpb_meeting_item6e_stock_taking_exerc_annex_4_SCCMB_ToR.pdf?1df74559578c624d357db47ff6dd54ec">CSG Stock Taking Excercise: Annex 4 - SCCMB Terms of Reference</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/3rd_erpb_meeting_item7_secretariat_note_on_einvoicing_solutions_related_retail_payments.pdf?0600cace67bab03dab1bfe2010cdb803">ERPB Secretariat note on e-invoicing solutions related to retail payments</a> </li> </ul> </div> <div class="header"> <div class="title">Second ERPB meeting on 1 December 2014</div> </div> <div class="content-box"> <ul> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/eprb_statement_2.pdf?72f16eb99abfaefce9292143f0344227">ERPB statement</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/2nd_eprb_meeting_agenda.pdf?27ef4897696839d1e7d0918f6b2dae48">Agenda</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/2nd_eprb_meeting_item1.pdf?27ef4897696839d1e7d0918f6b2dae48">Follow up on the work plan of the ERPB</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/2nd_eprb_meeting_item1a.pdf?27ef4897696839d1e7d0918f6b2dae48">Follow up on the work plan of the ERPB - Annex</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/2nd_eprb_meeting_item2.pdf?27ef4897696839d1e7d0918f6b2dae48">Assessment of follow-up on past ERPB recommendations </a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/2nd_eprb_meeting_item3.pdf?27ef4897696839d1e7d0918f6b2dae48">Report of the ERPB working group on SCT-SDD post migration issues</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/2nd_eprb_meeting_item4.pdf?27ef4897696839d1e7d0918f6b2dae48">Report of the ERPB working group on pan-European electronic mandates</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/2nd_eprb_meeting_item5a.pdf?27ef4897696839d1e7d0918f6b2dae48">Report by the Cards Stakeholders Group (CSG) a)</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/2nd_eprb_meeting_item5b.pdf?27ef4897696839d1e7d0918f6b2dae48">Report by the Cards Stakeholders Group (CSG) b)</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/2nd_eprb_meeting_item6.pdf?27ef4897696839d1e7d0918f6b2dae48">Instant payments in euro</a> </li> <li> <a href="/press/pr/date/2014/html/pr141209.en.html">Press release</a> </li> </ul> </div> <div class="header"> <div class="title">First ERPB meeting on 16 May 2014</div> </div> <div class="content-box"> <ul> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/eprb_statement.pdf?57881b3b98dfc4814d45c46663e95fdd">ERPB statement</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/1st_eprb_meeting_agenda.pdf?05cb757858e1ac28ffb77cf48378de2d">Agenda</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/1st_eprb_meeting_item4.pdf?05cb757858e1ac28ffb77cf48378de2d">Mandate of the Working Group on pan-European electronic mandate solutions</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/1st_eprb_meeting_item4m.pdf?05cb757858e1ac28ffb77cf48378de2d">Mandate of the Working Group on SCT and SDD post-migration issues</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/1st_eprb_meeting_item5.pdf?d210a3f693c0750e6236e6446b65c312">High-level requirements for a consumer no-refund direct debit scheme in SEPA</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/1st_eprb_meeting_item6.pdf?6d5fe708394ce50a31f2597b21144c07">Issues and way forward with electronic mandates for SEPA direct debit</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/1st_eprb_meeting_item7.pdf?6d5fe708394ce50a31f2597b21144c07">The Cards Stakeholders Group, its functioning and the reasons for acknowledgment by the ERPB</a> </li> <li> <a class="pdf" href="/paym/groups/erpb/shared/pdf/1st_eprb_meeting_item7r.pdf?5027ed7339ace8758954b1b14044f02c">The CSG Cards Stakeholders Group - Role and activities</a> </li> </ul> </div> </div> <div class="in-this-section" id="pages-in-section-holder"> <h3>All pages in this section</h3> <div class="content-box"> </div> </div> </main> </div> <div id="feedback" class="hidden"> <div class="content-box"> <div class="initial"> <div class="title">Are you happy with this page?</div> <a class="button -inverted-color" id="feedback-yes">Yes</a> <a class="button -inverted-color" id="feedback-no">No</a> </div> <div class="second hidden"> <div class="title">What made you unhappy?</div> <a class="button -inverted-color" id="feedback-broken">Page not working</a> <a class="button -inverted-color" id="feedback-content">Information not useful</a> <a class="button -inverted-color" id="feedback-design">Design not attractive</a> <a class="button -inverted-color" 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