SCS Volume version 9.5
Public Consultation
15 December 2021 - 15 March 2022

Volume Books set.jpg

The European Cards Stakeholders Group (ECSG), the industry association in charge of cards standardisation in the Single Euro Payments Area (SEPA), is releasing version 9.5 of the SEPA Cards Standardisation Volume (the Volume) for a three-month public consultation. The Volume is considered a key document for the cards industry, with a goal of achieving cards standardisation, interoperability, and security in Europe.

SCS Volume version 9.5

The three-month public consultation for the Volume is part of a regular planned cycle which ensures that the Volume is kept up-to-date with developments in card technology and regulation.


The main scope of the update for the Volume Books addresses regulatory and innovative aspects as well as editorial updates as part of the standard Volume cycle. Below is a list of the main amendments applied in version 9.5:


  • General updates relating to Compliance with European Regulations and Directives

  • Additions and clarifications to the functional requirements listed in Book 2 as well as the introduction of Secure Remote Commerce, Acceptor Initiated Transactions and Merchant Initiated Transactions.

  • New security updates to Book 4, including new security requirements for Commercial-Off-The-Shelf programmes and alignment with PCI PTS version 6.

  • Guidance for PSD2-related requirements (such as Merchant Initiated Transactions), non-standard card acceptance (i.e. magnetic stripe, signature on paper), and Card Data Retrieval for Virtual POI from former Annex 1 has been integrated within Book 6

All Volume v9.5 documents (including tracked change versions) can be downloaded below, as a single 'zip' file.

Note that only comments on the 'clean' line-numbered version set will be accepted.