The voice of the European card-based payments industry

Payments Europe is an association of global and European card-based payment solutions providers created to strengthen the voice of the industry.

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Payments Europe aims to stimulate a dynamic, competitive and consumer-centric European payments landscape

The European payments landscape has experienced a profound transformation in recent years driven by technological innovation, consumer demand and regulatory developments. Most consumers and businesses now have access to multiple payment methods, but card-based payments are often the preferred choice due to the great value it brings. Card-based payment solutions come in many forms including plastic cards, online payments and mobile applications. Payments Europe supports a vibrant, innovative, and competitive European payments market, that is based on a balanced regulatory framework and puts consumers and consumer protection at the centre.

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Our mission & vision

To raise awareness about the value of the card-based payments industry and its role within the wider payments ecosystem

To encourage a vibrant, competitive and consumer-centric European payments market, based on a well calibrated regulatory framework

To promote the interests of card-based payment solutions providers

Act as a platform for payment solution providers to be informed about, exchange views on and jointly contribute to relevant EU policy and legislation


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  1. The issuer offers the consumer a debit, credit or prepaid account with card.
  2. The consumer uses the card to buy products and services.
  3. The transaction is submitted to the retailer’s acquirer, who in turn submits it to the consumer’s issuer.
  4. The issuer authenticates and approves the transaction and transfers amount to the acquirer.
  5. The acquirer transfers amount to the retailer.

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