White Paper Non-NFC based Mobile SEPA Card Proximity Payments

Mobile devices have achieved full market penetration and rich service levels in most, if not all, EU Member States, making the mobile channel ideal for leveraging and promoting the use of SEPA payment instruments.

In 2017, the EPC facilitated the setting-up of a multi-stakeholder group covering the various sectors involved in the mobile payment ecosystem. The group developed a new version of the implementation guidelines for mobile contactless card based payments (MCPs) based on NFC-technology, covering business, technical, security and legal aspects, which was published in July 2018 (see [11]).

In recent years, non-NFC proximity technologies (e.g. QR-codes, BLE) have been introduced in the market for various mobile payment services to enhance the consumer experience and to bring additional functionality and services to the customer (e.g. integration of payment with loyalty) and to overcome the lack of accessibility to the NFC antenna on some mobile operating systems.

However, in comparison to MCPs, the European market is currently much less mature with respect to the usage of these non-NFC based technologies for mobile payments. Also standardisation efforts aiming at interoperability of these solutions are in their early days.

In order to create awareness on these mobile card payment solutions, the same multi- stakeholder group (see Annex B), agreed to develop a white paper to provide a high level overview of non-NFC based mobile card proximity payments (MCPPs), utilising SEPA card payments (as specified in the Cards Standardisation Volume – see [5]) are the underlying payment instrument1. In view of the current market deployments, the document has been restricted to proximity payments based on QR-codes and Bluetooth- Low-Energy (BLE) technologies (see section 2.3). Note that although many QR-code solutions for non-card based payment instruments) already exist in the market today (such as SEPA Credit Transfer, Direct Debit or e-money based), they are out of scope of the current document. …

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