2009年-ECB欧洲央行_SEPA_expecations_-_form_5页_242kb

报告摘要

Eurosystem's Expectations for SEPA Providers Summary

Core Content

The Eurosystem has outlined a set of expectations for banks and payment institutions that are SEPA providers. These expectations are not formal or legally binding requirements, but rather a benchmark to guide providers in aligning their operations with the broader goals of the Single Euro Payments Area (SEPA). The aim is to ensure that providers can meet the Eurosystem's comprehensive expectations beyond mere compliance with rulebooks and frameworks.

Main Points

Operational Capability for SEPA Payments
- Providers must ensure they can send and receive SEPA payments.
- This includes:
  - Adhering to the SEPA credit transfer (SCT) rulebook and participating in the SCT scheme (if applicable).
  - Adhering to the SEPA direct debit (SDD) rulebook(s) and participating in the SDD scheme (if applicable).
  - Listing all operational BIC8 or BIC11 codes in at least one clearing and settlement mechanism (CSM) directory that provides full SEPA reachability.
  - Aligning business processes and software with the relevant EPC rulebooks and testing solutions before deployment.
  - Avoiding conversion services that result in data loss, unless the payee explicitly requests otherwise. After the SEPA migration end-date, such services will no longer be offered in the interbank space.
Offering SEPA Instruments
- Providers are expected to offer SEPA instruments that correspond to legacy euro payment instruments.
- These instruments should be available for both domestic and cross-border payments within SEPA.
- The same service level must be guaranteed for SEPA instruments as for legacy ones. If not possible with the core SEPA format, additional optional services (AOSs) should be introduced following EPC guidelines.
Customer Engagement and SEPA Promotion
- Providers should make SEPA payment instruments the default option for domestic and cross-border transactions within SEPA.
- Legacy payment services (e.g., internet banking, standing orders) should be extended to SEPA instruments.
- Providers must actively inform customers about SEPA, including:
  - Having a dedicated area on their website with relevant information.
  - Clearly communicating the benefits of SEPA for different user types.
- BIC and IBAN identifiers should be easily accessible to customers, such as on account statements, internet banking interfaces, and cards, unless restricted by law.
Infrastructure and Compliance
- If applicable, providers should use infrastructure that has undergone a self-assessment against the relevant Terms of Reference (ToR) for infrastructures, published the results, and complies with the ToR.
- Clearing and settlement services should be based on the applicable principles from the ToR for infrastructures.

Key Information

SEPA Instruments: Providers must ensure that their SEPA instruments are available for both sending and receiving payments within the SEPA region.
Legacy Instruments: Providers are not required to offer new product types if they are not currently active in them; only existing legacy instruments are relevant.
Data Integrity: Conversion services that cause data loss are not permitted, except when the payee explicitly requests otherwise.
Self-Assessment: While not mandatory, providers are encouraged to regularly assess their operations against the Eurosystem's criteria and publish the results.
AOSs: Additional optional services are recommended to enhance SEPA offerings and meet user needs, especially for online and mobile payments.

Additional Notes

The Eurosystem does not conduct assessments on whether providers fulfill these expectations.
The migration to SEPA is expected to be completed by a defined end-date, after which certain services may no longer be available.
The use of SEPA standards is recommended for both customer-to-bank and bank-to-customer communications, although currently optional.