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The European Payments Council (EPC) has released the five rulebooks for its 2025 payment schemes, along with the associated Implementation Guidelines (IGs).
This adjustment ensures consistency across all relevant EPC schemes, simplifying preparation for Payment Service Providers (PSPs), Clearing and Settlement Mechanisms (CSMs), and technical service providers.
The IPR introduces new obligations for PSPs within the European Economic Area (EEA). Certain provisions will apply to PSPs in the Euro area (excluding Payment Institutions and Electronic Money Institutions) as early as 9 January 2025, and others will take effect by 9 October 2025.
The EPC notes that participants in its payment schemes, along with their technical service providers, will face a shorter timeframe to implement the 2025 rulebooks compared to the usual release and implementation cycle.
These updates will come into effect on 5 October 2025, marking a departure from the traditional November implementation timeline. The October 2025 date aligns with the implementation schedule of Regulation (EU) 2024/886, also known as the Instant Payments Regulation (IPR), which amends Regulation (EU) 260/2012 (the SEPA Regulation).
Status 28/11/2024
Publication of the 2025 EPC payment scheme rulebooks Today (28/11/2024) the European Payments Council (EPC) published the five 2025 EPC payment scheme rulebooks and the related Implementation Guidelines (IGs). These rulebooks enter into force on 5 October 2025. Press Release
After the successful launch in Latin America earlier this year, Product Express now enables fintechs in Africa and Middle East, Europe and North America to launch a card program in as fast as 15 days* Mastercard has today announced the expansion of its Product Express platform in Africa and Middle East, Europe, North America, and more markets in Latin America to help fintechs launch card programs quickly and through a process that’s simple and transparent. Mastercard Product Express is designed for fintechs, enabling the innovation necessary to meet their customer needs, and helping reduce their time to market by providing them with the tools, resources and partners required to launch and scale.
After the successful launch in Latin America earlier this year, Product Express now enables fintechs in Africa and Middle East, Europe and North America to launch a card program in as fast as 15 days*
Mastercard has today announced the expansion of its Product Express platform in Africa and Middle East, Europe, North America, and more markets in Latin America to help fintechs launch card programs quickly and through a process that’s simple and transparent.
Mastercard Product Express is designed for fintechs, enabling the innovation necessary to meet their customer needs, and helping reduce their time to market by providing them with the tools, resources and partners required to launch and scale.
Status: 24/10/2024