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Access and participation options

R2P is open to request-to-pay service providers (RTP-SPs) adhering to the EPC SEPA Request-to-Pay (SRTP) Scheme, whether regulated or not, as well as for interactions with technical solution providers (TSPs) supporting them, whether or not these TSPs are homologated by the EPC.

SRTP Scheme participants and technical solution providers have multiple access options to connect to the R2P Service, which are adapted to their respective profile. The R2P access model has been designed to allow fair and open access to the service, with the goals to build maximum reach across Europe, establish a high level of reliability and trust between users, and follow a proportionate risk-based approach.

Access options for RTP-SPs and access supported by TSPs

RTP-SPs can access the R2P Service through one of the following ways:

  1. as a PSP participant [see: admission] setting up a connection with the service to exchange request to pay messages for itself;
  2. as a reachable entity, which is addressable in the service via a PSP participant or a community participant supporting its PSP community.

TSPs can support access to the service through one of the following ways:

  1. as a technical service provider supporting access by any participant to the R2P Service with connectivity or other technical services,
  2. as a Referenced Technical Solution Provider, homologated by the EPC, that qualifies as a community participant [see: admission]. A community participant sets up a connection to the R2P Service to exchange request to pay messages on behalf of its PSP community.

Cooperation models to facilitate access

  1. Participants, in particular community participants, can offer connectivity services to other participants or intermediary services to reachable entities to extend reach.
  2. Technical service providers (e.g. ACHs, instructing parties, service bureaus) can support participants or their reachable entities in connecting to the service.

Overview of different options to connect or access the service

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EBA CLEARING supports direct technical connectivity relying on technical service providers

EBA CLEARING contributes to the efforts of technical service providers delivering support services as described above by:

  • giving technical service providers access to the R2P messaging test environment and tools
  • involving service providers in the R2P Service roll-out and communication process

Participants and reachable entities may take the role of technical service providers. Technical service providers may provide services to more than one participant/reachable entity.