Single Euro Payments Area (SEPA) Regulation
Another step being taken to harmonise the pan-European euro payments market is Regulation 260/2012, adopted by the European Parliament and European Council on 14 March 2012, commonly referred to as the ‘SEPA Migration End Date Regulation’.
The intention behind the SEPA Regulation is to create an integrated market for payments in euros that treats national and cross-border payments in the same way, providing EU citizens and businesses with secure, competitive and reliable payment services in euros.
Despite the fact that the PSD provides a legal foundation for the creation of an internal payments market, the European Council’s view is that the industry-led effort to move towards EU-wide direct debit and credit transfer schemes has not made sufficient progress, thereby requiring legislative intervention…
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