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The Voice of Payment Institutions across Europe

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Keys Facts & Figures
  • € 78.8 billion

    Value of three-party card schemes  transactions in the EEA (2010)

  • 224

    Number of authorised PI in the UK in 2012

  • 592 million

    Three-party card schemes  transactions in the EEA (2010)

  • 2,203

    Number of small Payment Institutions in the EEA (2012)

Sources :
- London Economics Study on the impact of Directive 2007/64/EC on payment services in the internal market and on the application of Regulation (EC) No 924/2009 on cross-border payments in the Community
- ECB Payment Statistics for 2012
- European Commission ‘Green Paper – Towards an integrated European market for card, internet and mobile payments’

About EPIF

The European Payment Institutions Federation (EPIF) is an international non-profit association. It was founded in June 2011, in response to the adoption of the Payment Services Directive (PSD). The PSD established a new category of payment service providers (payment institutions) to encourage more competition at the European level.

Payment institutions are permitted to provide payment services alongside banks and other financial institutions. By means of a European passport available to them under the PSD, payment institutions can offer payment products and services across borders, thus making it attractive for European consumers to pay and receive funds within as well as outside their home country.

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Latest News

  • Thumbnail First EPIF's Annual Public Workshop


    First EPIF's Annual Public Workshop

    The European Payment Institutions Federation (EPIF) would like  to formally invite you to the EPIF’s first annual public workshop on 9th  November in Brussels at our offices in Rue de la Science, 14B, from 9:00 to 14:15h, including lunch.

    EPIF was created in July 2011 to represent the interests of the non-banking Payment Institutions at the European level. Directly and indirectly EPIF represents roughly 250 payment institutions in Europe covering a range of business models. EPIF brings together European and international companies in the remittance sector, three party card schemes, third party providers, cross-border acquirers, payment processors, electronic payment providers, fx traders, electronic wallet providers and operators of mobile payments. Since 2011, EPIF has gone from strength to strength and is now an important well established trade association in Brussels.

    The format of the event will be a half day panel discussions and keynote speeches from the key policy makers in the area of payments. 

    Should you be interested in attending the Workshop please send us an email to: info@paymentinstitutions.eu 

  • Thumbnail Blockchain Panel


    Blockchain Panel

    EPIFis deligted to be hosting a panel on Blockchain on 15th March in Brussels

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Latest Documents

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    EPIF response to the European Commission's Fintech consultation

    Financial  technology  has  the  potential  to  democratise  financial  services  across  the  EU.  Consumers expect to be able to shop online, transfer money, and purchase financial services products online and cross-border as quickly and as easily as sending an email or a text message. With the right technical and regulatory pan-European framework, financial technology companies can provide consumers with the flexible, convenient and safe level of service that they now expect from any other industry.


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    EPIF’s contribution to the public consultation on the operations of the ESAs

    We would like to thank the European Commission for the opportunity of commenting on the Public  consultation  on  the  operations  of  the  European  Supervisory  Authorities. 

    EPIF would hope that  the  ESA  review  will  provide  the  opportunity  to  implement  the  following  three suggestions:
    -  The  EBA  Regulation  should  enshrine  binding  wording  giving  the  EBA  a  clear mandate  to  promote  supervisory  convergence  between  the  national  competent authorities  responsible  for  overseeing  payment  institutions  and  to  coordinate  policy issues  between  ‘home’  and  ‘host’  state  supervisors.  If  appropriate,  this  should  also include  the  continued  ability  to  adopt  Technical  Regulatory  Standards,  develop guidance or oversee a mediation mechanism;
    -  In  line  with  other  sectors  and  activities  falling  under  the  remit  of  the  EBA  and  the other  respective  European  Supervisory  Authorities,  the  EBA  should  convene  a Stakeholder Group representing the payment institution sector. This Group should be consulted on all aspects of the EBA's work in relation to payments, including its work carried out as part of the Joint Committee.
    -  Finally, appropriate resources should be made available to the EBA to carry out its above functions effectively.


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