The access and participation model for R2P, EBA CLEARING's request to pay service, was defined with a view to allowing fair and open access to the service and support compliance by users with the EPC SEPA Request-to-Pay (SRTP) Scheme Rulebook. Different access and participation options with several possibilities for connecting to the service are provided, with the aim to facilitate access, build maximum reach and establish a high level of reliability and trust between users.

R2P will be accessible by any request-to-pay service providers (RTP-SPs) in the EU adhering to the future SRTP Scheme Rulebook of the EPC.

Planned joining windows in 2021*


Event Window 1 Window 2 Window 3
Deadline for participation 18 December 2020 16 April 2021 10 September 2021
Start of connectivity testing 25 January 2021 26 April 2021 20 September 2021
Start of free testing 1 February 2021 3 May 2021 27 September 2021
Start of scripted testing 22 February 2021 24 May 2021 18 October 2021
Go-live date 29 April 2021 15 July 2021 2 December 2021


*The technical delivery of the R2P Service will be completed, as planned, by 30 November 2020, the publication date of the EPC SRTP Scheme. R2P joining windows for 2021 are indicative and may need to be adjusted following the publication of the EPC SRTP adherence calendar for 2021.

Admission criteria

In order to fulfil the admission criteria for the R2P Service, a participant must:

  1. have its registered office in a Member State of the EU, the EEA or the OECD, or a country or territory that is part of SEPA
  2. be authorised to act as a payment service provider
  3. be able to comply with the technical and operational requirements of the R2P Service, including requirements aiming at ensuring availability of the Participant during the operational times of the service
  4. participate in the service via its registered office or a branch located in the geographical area of SEPA
  5. have adhered to the SRTP Scheme Rulebook of the European Payments Council

In order to connect to the service, the applicant once admitted as participant shall fulfil relevant connection requirements (such as provision of a BIC address for routing purposes, technical and operational requirements, compliance with test and training requirements, etc.).