The European Cards Stakeholders Group is a multi-stakeholder, market self-regulated approach to European card standardisation with market-driven implementation
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April 30, 2020

Public consultation - BOOK 3 Data Elements v8.5 | SEPA Cards Standardisation Volume


Following the availability of a major ISO 20022 card message standard update

The European Cards Stakeholders Group (ECSG), the industry association in charge of cards standardisation in the Single Euro Payments Area (SEPA), is today releasing the version 8.5 of Book 3 – Data Elements, incorporating a major update of the ISO 20022 Acquirer-To-Issuer Card messages standard (ATICA), for a two-month public consultation.
This new version is a major step forward as it uses version 2 of ATICA as a main reference for the other card messaging standards. Other changes include updates linked to European regulation, such as the Payment Services Directive 2 or the Interchange Fee Regulation.
To ensure this new version truly reflects market needs, all stakeholders are invited to supply feedback by 30 June 2020.
Book 3 – Data Elements is part of the SEPA Cards Standardisation Volume, a set of documents written and maintained by the ECSG that aims at defining common standard requirements for card payments in the Single Euro Payment Area. The Volume is considered a key document for the cards industry, with a goal of achieving cards standardisation, interoperability, and security in Europe.
More information about the ECSG consultation can be found here.

January 14, 2020

Payments industry agrees new SEPA Card Standards

The new release of the SEPA Cards Standardisation Volume integrates the latest regulatory and technological changes. 

The European Cards Stakeholders Group (ECSG), the industry association overseeing cards standardisation in the Single Euro Payments Area (SEPA) has today published version 9.0 of the SEPA Cards Standardisation Volume (‘the Volume’).


This initiative, actively supported by all of the key stakeholders in the card payment ecosystem, will help ensure the interoperability and security of cards in Europe. The Volume achieves this through defining a standard set of requirements to enable an interoperable and scalable card and terminal infrastructure across SEPA, based on open international card standards.

Version 9.0 of the Volume is released to the industry following a 3-month public consultation. In addition to the feedback received during the consultation, updates to the books were made to accommodate the following;

• Conformance to new European regulations General Data Protection Regulation (GDPR), the second Payment Service Directive (PSD2) and the European Banking Authority Regulatory Technical Standards (RTS) on Strong Costumer Authentication (SCA) and Common Secure Communication (CSC);

• Integration of global standards for card payments including Host Card Emulation, remote payments using EMV 3DS and a reference to the industry standards body Fast IDentity Online (FIDO);

• Contactless card acceptance at Automated Teller Machines (ATMs);

• The production of a separate Tokenisation Annex.

The Volume version 9.0 takes effect immediately for a three-year period.

Note: Book 3 “Data Elements” is currently under maintenance to integrate the new ISO 20022 ATICA Version 2 standard. A separate release cycle was therefore decided for this Book which will lead to a separate publication in September 2020.

July 25, 2019

Bulletin on RTS SCA Article 11 implementation

​ECSG Volume working groups were assigned by the Board to perform an analysis on the issues related to the implementation of RTS SCA for proximity low value amount transactions. An inventory of market implementations was collected and four possible transaction flows were identified (decline; switch interface; re-present card and enter PIN; enter pin without a second tap). Based on this analysis, it was decided to update Req. T77 in Book 2 and to publish an informative Bulletin on ECSG website before RTS SCA coming into force.

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