EPIF is glad to share its response to consultation on ESAS’ Draft Guidelines on Risk Factors. EPIF believes that there should be a unified framework for a risk-based approach amd that the diversity of the payments industry needs to be takeni nto acocund when formulating an RBA.
For this call for evidence EPIF gladly provides examples concerning the Payment Services Directive (PSD II), the Interchange Fee Regulation and the Consumer Credit Directive (CDD).
EPIF is pleased to share its position paper on Safe Harbour 2.0. In the context of the recent ruling of the CJEU in the Max Schrems case and the discourse which has surrounded it, EPIF would like to take the opportunity to highlight the importance of the Safe Harbour Agreement for the functioning of modern digital economies and [...]
EPIF welcomes the European Commission’s proposal for greater harmonisation of the EU data protection regime within the internal market with regard to the processing of EU personal data. With this position paper, EPIF seeks to address the concerns it has identified in the draft Regulation. A number of provisions lead in their current form to legal [...]
This paper explains the ways in which merchants can simplify payments optimization processes. The paper takes into account credit cards as well as the increasing number of alternative payment methods to determine which generate the best conversion rate results.
EPIF is pleased to share its recent position paper on the 4th Anti-Money Laundering Directive. The paper is demonstrating EPIF's views on the key issues of interest on the 4th Anti-Money Laundering Directive and the Funds Transfer Regulation at the current level of the negotiation process.
EPIF is glad to share its views on the key issues of the PSD2 as currently being discussed at Council level. The paper illustrated among others the scope, the use of agents, the revocation of consent recurring transactions, access to bank services in home and host Member State for PIs, the passporting regime and others.
The Committee on Payments and Markets Infrastructures (CPMI) published a study on the role of non-banks in retail payments services and analyses the repercussions that the emergence of these entities has had on the retail payments industry. The report, conducted by central bankers, revealed a significant presence of non-banks in all stages of the payment process and [...]
The European Payment Institutions Federation is pleased to share its views on the draft Interchange Fees Regulation. In its paper, EPIF articulates how a number of the central proposals in the draft Regulation would impact small market players and what this would mean for competition and consumer choice in the payments sector.
The paper on Tackling Internet Payment Security is a paper co-written by PayVision and Innopay and presents an insight to the SecuRe Pay Forum Recommendations. Either than the observations on these Recommendations, the paper also provides insights for professionals in the online payments industry.