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The Voice of Payment Institutions across Europe

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Keys Facts & Figures
  • 8,792 billion Card acquiring transactions in the EU in the EEA (2010)
  • 350 & 500

    as of May 2011 there were approximately 350 e-money and Payment Institutions in Europe, with at least 500 registered institutions expected by the end of 2012

  • € 2 trillion

     Total value of card transactions in the EU (2012)

  • 44.8%

    of EEA Small Payment Institutions are based in Poland (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 comments on the FATF draft guidance for private sector information sharing

    EPIF members, and in particular our members representing the MVST sector, would like to express our appreciation to the FATF for seeking the industry’s comments on this important set of guidelines.

    When preparing its submission the EPIF membership carefully reviewed the separate draft response by Western Union to this consultation and has decided to lend its support to this paper.

    We would therefore like to document that Western Union’s submission has the support of the wider EPIF membership and should also be read by the FATF as EPIF’s submission to this consultation.

     We have attached for your convenience the text submitted by Western Union.

    EPIF stands ready to answer any further questions you might have and looks forward to the continued close cooperation with the FATF Secretariat.

    » Download (PDF, 306.03 kB)
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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.


    » Download (PDF, 686.47 kB)

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