{"id":5857,"date":"2023-11-26T18:04:00","date_gmt":"2023-11-26T17:04:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=5857"},"modified":"2026-08-07T18:06:07","modified_gmt":"2026-08-07T16:06:07","slug":"epc-publishes-terms-and-conditions-for-the-spaa-remuneration-model","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-publishes-terms-and-conditions-for-the-spaa-remuneration-model\/","title":{"rendered":"EPC publishes terms and conditions for the SPAA remuneration model"},"content":{"rendered":"\n\n<p class=\"has-intro-font-size wp-block-paragraph\">The <em>European Payments Council<\/em> (EPC) has published the terms and conditions for a fee model under the <em>SEPA Payment Account Access<\/em> (SPAA) framework. This marks an important step in the further development of <em>Open Banking<\/em> in Europe.<\/p>\n\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1440\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-scaled.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Waving European flag with yellow circle of stars on blue background against clear sky, symbol for the European Union.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-scaled.jpg 2560w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-300x169.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-1024x576.jpg 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-768x432.jpg 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-1536x864.jpg 1536w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-2048x1152.jpg 2048w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-500x282.jpg 500w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-832x468.jpg 832w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-1280x720.jpg 1280w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"266\" src=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/sites\/4\/2025\/09\/EPC-ID-768x266-1.png\" alt=\"\" class=\"wp-image-702\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/EPC-ID-768x266-1.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/EPC-ID-768x266-1-300x104.png 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">SPAA comprises rules and agreements for account information services and value-added payment initiation services (\u2018premium\u2019 services) . These premium services may be offered by so-called <em>Account Servicing Payment Service Providers<\/em> (ASPSPs, usually banks) to <em>Third Party Providers<\/em> (TPPs, regulated payment service providers in general).<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.europeanpaymentscouncil.eu\/what-we-do\/other-schemes\/sepa-payment-account-access\">SPAA framework <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> now also provides for <a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2023-11\/EPC273-23 Press release - SPAA default remuneration model.pdf\">objective and transparent commercial terms for a fee model <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Gijs Boudewijn, Managing Director of the Dutch Payments Association and Co-Chair of the <em>SPAA Multi-Stakeholder Group<\/em> (SPAA MSG): \u201cTogether with various stakeholders, we are thereby creating the right conditions for a vibrant European ecosystem for <em>Open Banking<\/em>.\u201d<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2023-11\/EPC273-23 Press release - SPAA default remuneration model.pdf\"><em>Read the EPC\u2019s detailed press release\u2026<\/em> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>The European Payments Council (EPC) has published the terms and conditions for a fee model under the SEPA Payment Account Access (SPAA) framework. This marks an important step in the further development of Open Banking in Europe. SPAA comprises rules and agreements for account information services and value-added payment initiation services (\u2018premium\u2019 services) . These [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":735,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"categories":[20],"btv_subject_tax":[13,29],"class_list":["post-5857","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","btv_subject_tax-european-legislation","btv_subject_tax-market-infrastructure"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>EPC publishes terms and conditions for the SPAA remuneration model - Dutch Payments Association<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-publishes-terms-and-conditions-for-the-spaa-remuneration-model\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"EPC publishes terms and conditions for the SPAA remuneration model\" \/>\n<meta property=\"og:description\" content=\"The European Payments Council (EPC) has published the terms and conditions for a fee model under the SEPA Payment Account Access (SPAA) framework. This marks an important step in the further development of Open Banking in Europe. SPAA comprises rules and agreements for account information services and value-added payment initiation services (\u2018premium\u2019 services) . 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