Paris, 12 November 2018

EBA CLEARING kicks off task force to work on a pan-European Request to Pay solution

The task force will be working on a blueprint setting forth suitable solution(s)

Request to Pay solutions increase the ease of use and transparency in payments, for both payers and payees

EBA CLEARING announced today the kick-off of a Request to Pay Task Force to support the development of a pan-European Request to Pay (R2P) solution. The first objective of this task force is to work on a blueprint, which shall serve as a planning framework for the implementation of an R2P solution. The blueprint is expected to be delivered in the first half of 2019.

The task force convened for the first time today and is composed of experts from 28 financial institutions from 14 countries. A list of the participating institutions can be found at the end of the press release.

Request to Pay is considered as a key element in an evolving payments landscape shaped by developments such as Open Banking and real-time payments. Request to Pay solutions are aimed at further increasing certainty, transparency and convenience when making and receiving payments. The Euro Retail Payments Board (ERPB) has referred to Request to Pay in the context of electronic invoice presentment and payment, where it is seen as a means to speed up the end-to-end process and ease reconciliation processes in particular. In its development of a blueprint for an R2P solution, the EBA CLEARING task force will consider the many different use cases where a Request to Pay can add value to both payer and payee.

Request to Pay initiatives are emerging around the world and there is a growing demand for new and enhanced payment solutions that leverage existing payment infrastructures and instruments in SEPA as well. Against this background, EBA CLEARING has decided to contribute to the development of a pan-European R2P solution,” said Erwin Kulk, Head of Service Development and Management, EBA CLEARING.

“Together with our user representatives, we will be working on a blueprint, which will provide a basis for wider industry engagement and for defining the timing for the development and implementation of such a pan-European R2P solution.”

List of financial institutions participating in EBA CLEARING’s Request to Pay Task Force:


Allied Irish Banks

Banco Bilbao Vizcaya Argentaria

Banco Santander

Bank of Ireland

BNP Paribas




Crédit Agricole

Danske Bank

Deutsche Bank

DNB Bank

Erste Group Bank

HSBC France

ING Bank

Intesa Sanpaolo

J.P. Morgan

KBC Bank

Landesbank Hessen-Thüringen

Nordea Bank

Op Yrityspankki

Raiffeisenlandesbank Oberösterreich

SEB Pank

Société Générale



UniCredit Bank AG (HypoVereinsbank)


EBA CLEARING is a provider of pan-European payment infrastructure solutions. Founded in 1998, the Company is owned by 51 of the major banks operating in Europe and is based on a country-neutral governance model. The payment systems of EBA CLEARING are pan-European by design and desire: they are developed in close co-operation with the Company’s multinational user community and best-of-breed technology partners.

EBA CLEARING manages and operates the payment services EURO1, STEP1, STEP2 and RT1. Both EURO1 and STEP2 have been classified as systemically important payment systems (SIPS) by the European Central Bank. The pan-European real-time payment platform RT1 went live in November 2017 and processes euro instant payments complying with the European Payments Council’s SEPA Instant Credit Transfer Scheme.

For more information on EBA CLEARING, please visit, or follow us on or