The European Cards Stakeholders Group (ECSG) is a multi-stakeholder association promoting card harmonisation in the Single Euro Payments Area (SEPA). The ECSG is made up of organisations from five sectors of the card payment chain: retailers/wholesale, vendors (card, payment devices, related IT systems), processors of card transactions, card schemes, and payment service providers. The ECSG is an international not-for-profit association. The objective of the ECSG is to contribute to making it possible for EU citizens to use their cards for payments and ATM withdrawals with the same ease and convenience throughout SEPA as in their own country, and to help remove technical, practical and commercial barriers to card harmonisation for the benefit of industry participants. It pursues this goal through the maintenance and evolution of the SEPA Cards Standardisation Volume (the Volume), a key document for the card industry defining guidelines for cards standardisation, interoperability and security in Europe. As a self-regulatory initiative, the ECSG also promotes conformance of the card industry to the Volume. The ECSG is not part of the EU institutional framework, yet its creation is supported by European Union institutions, which participate in its work as observers.