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The Voice of Payment Institutions across Europe

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Keys Facts & Figures
  • 8,792 billion Card acquiring transactions in the EU in the EEA (2010)
  • € 78.8 billion

    Value of three-party card schemes  transactions in the EEA (2010)

  • 80 %

    The UK regulated PI markets represents more than 80% of all PI’s in the EEA

  • 44.8%

    of EEA Small Payment Institutions are based in Poland (2012)

Sources :
- London Economics Study on the impact of Directive 2007/64/EC on payment services in the internal market and on the application of Regulation (EC) No 924/2009 on cross-border payments in the Community
- ECB Payment Statistics for 2012
- European Commission ‘Green Paper – Towards an integrated European market for card, internet and mobile payments’

About EPIF

The European Payment Institutions Federation (EPIF) is an international non-profit association. It was founded in June 2011, in response to the adoption of the Payment Services Directive (PSD). The PSD established a new category of payment service providers (payment institutions) to encourage more competition at the European level.

Payment institutions are permitted to provide payment services alongside banks and other financial institutions. By means of a European passport available to them under the PSD, payment institutions can offer payment products and services across borders, thus making it attractive for European consumers to pay and receive funds within as well as outside their home country.

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Latest News

  • Thumbnail Blockchain Panel

    15.03.2016

    Blockchain Panel

    EPIFis deligted to be hosting a panel on Blockchain on 15th March in Brussels

  • Thumbnail EPIF changes on the leadership

    04.02.2016

    EPIF changes on the leadership

    EPIF is deligthed to announce that on 13th January 2016 David Courtnage from Ametican Express has been elected as the new Vice Chair of the Board. At the same meeting  Elie Beyrouthy, Western Union, was elected to succeed Wolfgang Maschek as Chair of the Technical Committee.

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Latest Documents

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    08.08.2016

    EPIF Response to the EBA Discussion paper on innovative uses of consumer data by Financial Institutions

    The European Payment Institutions Federation is pleased to share its responses to the EBA discussion paper on innovative uses of consumer data by financial institutions.

    » Download (PDF, 515.94 kB)
  • Icon PDF

    08.08.2016

    EPIF Position Paper on the EBA Guidelines on PI Insurance for PSPS’

    EPIF is pleased to share its position paper on the EBA Guidelines on PI Insurance  for PSPS’.

    There appears an over-reliance on insurance to underpin the new TPP market. This appears to be the assumed solution even in the title of the ‘Guidelines on Professional Indemnity (PI) insurance for PSPs’.
    This is unfortunate since there is no such market existing today. If this unavailability becomes a barrier to entry to small TPPs this would seem directly contrary to the intentions of PSD2 to encourage TPPs to flourish.

    » Download (PDF, 326.00 kB)

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