{"id":734,"date":"2023-11-26T16:57:00","date_gmt":"2023-11-26T15:57:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=734"},"modified":"2026-02-19T00:59:55","modified_gmt":"2026-02-18T23:59:55","slug":"epc-spaa-reimbursement-model","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/","title":{"rendered":"EPC publishes business terms for SPAA fee model"},"content":{"rendered":"\n\n<p class=\"has-intro-font-size\">The <em>European Payments Council<\/em> (EPC) has published the business terms for a fee model of the <em>SEPA Payment Account Access<\/em> (SPAA) arrangement scheme. 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=\"Wapperende Europese vlag met gele sterrenkring op blauwe achtergrond tegen heldere hemel, symbool voor de Europese Unie.\" 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\/en\/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>SPAA includes rules and agreements for account information services and value-added payment initiation services (&#8216;premium&#8217; services) . These premium services can 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>The <a href=\"https:\/\/www.europeanpaymentscouncil.eu\/what-we-do\/other-schemes\/sepa-payment-account-access\">SPAA settlement system <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 <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 business 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>Gijs Boudewijn, managing director of Betaalvereniging Nederland and co-chair of the <em>SPAA Multi-Stakeholder Group<\/em> (SPAA MSG), said: &#8220;With this, together with various stakeholders, we are creating the right conditions for a vibrant European ecosystem for <em>Open Banking<\/em>.&#8221;<\/p>\n\n\n\n\n\n<p><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 detailed press release from the EPC&#8230;<\/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 business terms for a fee model of the SEPA Payment Account Access (SPAA) arrangement scheme. This marks an important step in the further development of Open Banking in Europe. SPAA includes rules and agreements for account information services and value-added payment initiation services (&#8216;premium&#8217; services) . These [&hellip;]<\/p>\n","protected":false},"author":7,"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-734","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>Business conditions SPAA: what you need to know %%page% - Dutch Payments Association%<\/title>\n<meta name=\"description\" content=\"Learn about the SPAA business conditions and how they promote the development of Open Banking in Europe.\" \/>\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-spaa-reimbursement-model\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"EPC publishes business terms for SPAA fee model\" \/>\n<meta property=\"og:description\" content=\"Learn about the SPAA business conditions and how they promote the development of Open Banking in Europe.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:published_time\" content=\"2023-11-26T15:57:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-18T23:59:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1440\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"EPC publishes business terms for SPAA fee model\",\"datePublished\":\"2023-11-26T15:57:00+00:00\",\"dateModified\":\"2026-02-18T23:59:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/\"},\"wordCount\":149,\"image\":{\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-scaled.jpg\",\"articleSection\":[\"News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/\",\"name\":\"Business conditions SPAA: what you need to know %%page% - Dutch Payments Association%\",\"isPartOf\":{\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-scaled.jpg\",\"datePublished\":\"2023-11-26T15:57:00+00:00\",\"dateModified\":\"2026-02-18T23:59:55+00:00\",\"author\":{\"@id\":\"\"},\"description\":\"Learn about the SPAA business conditions and how they promote the development of Open Banking in Europe.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/#primaryimage\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-scaled.jpg\",\"contentUrl\":\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-scaled.jpg\",\"width\":2560,\"height\":1440,\"caption\":\"Wapperende Europese vlag met gele sterrenkring op blauwe achtergrond tegen heldere hemel, symbool voor de Europese Unie.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.betaalvereniging.nl\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"EPC publishes business terms for SPAA fee model\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/#website\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/\",\"name\":\"Dutch Payments Association\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.betaalvereniging.nl\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/author\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Business conditions SPAA: what you need to know %%page% - Dutch Payments Association%","description":"Learn about the SPAA business conditions and how they promote the development of Open Banking in Europe.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/","og_locale":"en_US","og_type":"article","og_title":"EPC publishes business terms for SPAA fee model","og_description":"Learn about the SPAA business conditions and how they promote the development of Open Banking in Europe.","og_url":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/","og_site_name":"Dutch Payments Association","article_published_time":"2023-11-26T15:57:00+00:00","article_modified_time":"2026-02-18T23:59:55+00:00","og_image":[{"width":2560,"height":1440,"url":"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-scaled.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@NLbetalen","twitter_site":"@NLbetalen","twitter_misc":{"Written by":"","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/#article","isPartOf":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/"},"author":{"name":"","@id":""},"headline":"EPC publishes business terms for SPAA fee model","datePublished":"2023-11-26T15:57:00+00:00","dateModified":"2026-02-18T23:59:55+00:00","mainEntityOfPage":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/"},"wordCount":149,"image":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/#primaryimage"},"thumbnailUrl":"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-scaled.jpg","articleSection":["News"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/","url":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/","name":"Business conditions SPAA: what you need to know %%page% - Dutch Payments Association%","isPartOf":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/#primaryimage"},"image":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/#primaryimage"},"thumbnailUrl":"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-scaled.jpg","datePublished":"2023-11-26T15:57:00+00:00","dateModified":"2026-02-18T23:59:55+00:00","author":{"@id":""},"description":"Learn about the SPAA business conditions and how they promote the development of Open Banking in Europe.","breadcrumb":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/#primaryimage","url":"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-scaled.jpg","contentUrl":"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Vlag_EU_shutterstock_1360597409-scaled.jpg","width":2560,"height":1440,"caption":"Wapperende Europese vlag met gele sterrenkring op blauwe achtergrond tegen heldere hemel, symbool voor de Europese Unie."},{"@type":"BreadcrumbList","@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-spaa-reimbursement-model\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.betaalvereniging.nl\/en\/"},{"@type":"ListItem","position":2,"name":"EPC publishes business terms for SPAA fee model"}]},{"@type":"WebSite","@id":"https:\/\/www.betaalvereniging.nl\/en\/#website","url":"https:\/\/www.betaalvereniging.nl\/en\/","name":"Dutch Payments Association","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.betaalvereniging.nl\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"","url":"https:\/\/www.betaalvereniging.nl\/en\/news\/author\/"}]}},"_links":{"self":[{"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts\/734","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/comments?post=734"}],"version-history":[{"count":3,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts\/734\/revisions"}],"predecessor-version":[{"id":4412,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts\/734\/revisions\/4412"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/media\/735"}],"wp:attachment":[{"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/media?parent=734"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/categories?post=734"},{"taxonomy":"btv_subject_tax","embeddable":true,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/btv_subject_tax?post=734"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}