{"id":855,"date":"2023-06-27T17:01:00","date_gmt":"2023-06-27T15:01:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=855"},"modified":"2026-08-06T15:52:04","modified_gmt":"2026-08-06T13:52:04","slug":"epc-updated-spaa-scheme-rulebook","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-updated-spaa-scheme-rulebook\/","title":{"rendered":"EPC publishes updated SPAA scheme rulebook"},"content":{"rendered":"\n<p class=\"has-intro-font-size wp-block-paragraph\">The <em>European Payments Council<\/em> (EPC) has published the <a href=\"https:\/\/www.europeanpaymentscouncil.eu\/news-insights\/news\/publication-updated-spaa-scheme-rulebook\">updated rulebook (version 1.1) for the SPAA scheme <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>, the <em>SEPA Payment Account Access scheme rulebook<\/em>. The new version will enter into force on 30 November 2023.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These are the main changes compared with the previous version 1.0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Additions concerning strong customer authentication (SCA), incorporating the results of an earlier public consultation.<\/li>\n\n\n\n<li>A definition of a minimum viable product (MVP), based on an analysis of market needs. The MVP comprises the minimum set of <em>premium<\/em> services that an account provider, or <em>asset holder<\/em>, participating in SPAA must offer through an API (<em>application programming interface<\/em>) to an intermediary, or <em>asset broker<\/em>, that also participates in SPAA.<\/li>\n\n\n\n<li>Changes to payment requests where transaction charges are not borne by the payer.<\/li>\n\n\n\n<li>Harmonisation between datasets and attributes.<\/li>\n\n\n\n<li>Clarifications concerning the intended approval process and the standard business conditions.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The Dutch Payments Association is a member of the EPC\u2019s <em><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/other\/terms-reference-sepa-payment-account-access-multi-stakeholder-group-spaa-0\">SPAA Multi-Stakeholder Group <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><\/em>. Gijs Boudewijn, Managing Director of the Dutch Payments Association, is co-chair of this EPC stakeholder group.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/news-insights\/news\/publication-updated-spaa-scheme-rulebook\"><em>Read the full EPC announcement and the updated SPAA scheme rulebook\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","protected":false},"excerpt":{"rendered":"<p>The EPC has published version 1.1 of the SPAA scheme rulebook, including changes on SCA, the minimum viable product and payment requests.<\/p>\n","protected":false},"author":7,"featured_media":0,"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-855","post","type-post","status-publish","format-standard","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>Bijgewerkt reglement voor SPAA-afsprakenstelsel gepubliceerd - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"Het nieuwe reglement voor SPAA-afsprakenstelsel brengt sterke klantauthenticatie en een duidelijke MVP-definitie. Ontdek meer!\" \/>\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-updated-spaa-scheme-rulebook\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"EPC publishes updated SPAA scheme rulebook\" \/>\n<meta property=\"og:description\" content=\"Het nieuwe reglement voor SPAA-afsprakenstelsel brengt sterke klantauthenticatie en een duidelijke MVP-definitie. Ontdek meer!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-updated-spaa-scheme-rulebook\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:published_time\" content=\"2023-06-27T15:01:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-06T13:52:04+00:00\" \/>\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=\"1 minute\" \/>\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-updated-spaa-scheme-rulebook\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/epc-updated-spaa-scheme-rulebook\\\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"EPC publishes updated SPAA scheme rulebook\",\"datePublished\":\"2023-06-27T15:01:00+00:00\",\"dateModified\":\"2026-08-06T13:52:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/epc-updated-spaa-scheme-rulebook\\\/\"},\"wordCount\":184,\"articleSection\":[\"News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/epc-updated-spaa-scheme-rulebook\\\/\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/epc-updated-spaa-scheme-rulebook\\\/\",\"name\":\"Bijgewerkt reglement voor SPAA-afsprakenstelsel gepubliceerd - Dutch Payments Association\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/#website\"},\"datePublished\":\"2023-06-27T15:01:00+00:00\",\"dateModified\":\"2026-08-06T13:52:04+00:00\",\"author\":{\"@id\":\"\"},\"description\":\"Het nieuwe reglement voor SPAA-afsprakenstelsel brengt sterke klantauthenticatie en een duidelijke MVP-definitie. Ontdek meer!\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/epc-updated-spaa-scheme-rulebook\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/epc-updated-spaa-scheme-rulebook\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/epc-updated-spaa-scheme-rulebook\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"EPC publishes updated SPAA scheme rulebook\"}]},{\"@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":"Bijgewerkt reglement voor SPAA-afsprakenstelsel gepubliceerd - Dutch Payments Association","description":"Het nieuwe reglement voor SPAA-afsprakenstelsel brengt sterke klantauthenticatie en een duidelijke MVP-definitie. Ontdek meer!","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-updated-spaa-scheme-rulebook\/","og_locale":"en_US","og_type":"article","og_title":"EPC publishes updated SPAA scheme rulebook","og_description":"Het nieuwe reglement voor SPAA-afsprakenstelsel brengt sterke klantauthenticatie en een duidelijke MVP-definitie. Ontdek meer!","og_url":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-updated-spaa-scheme-rulebook\/","og_site_name":"Dutch Payments Association","article_published_time":"2023-06-27T15:01:00+00:00","article_modified_time":"2026-08-06T13:52:04+00:00","twitter_card":"summary_large_image","twitter_creator":"@NLbetalen","twitter_site":"@NLbetalen","twitter_misc":{"Written by":"","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-updated-spaa-scheme-rulebook\/#article","isPartOf":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-updated-spaa-scheme-rulebook\/"},"author":{"name":"","@id":""},"headline":"EPC publishes updated SPAA scheme rulebook","datePublished":"2023-06-27T15:01:00+00:00","dateModified":"2026-08-06T13:52:04+00:00","mainEntityOfPage":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-updated-spaa-scheme-rulebook\/"},"wordCount":184,"articleSection":["News"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-updated-spaa-scheme-rulebook\/","url":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-updated-spaa-scheme-rulebook\/","name":"Bijgewerkt reglement voor SPAA-afsprakenstelsel gepubliceerd - Dutch Payments Association","isPartOf":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/#website"},"datePublished":"2023-06-27T15:01:00+00:00","dateModified":"2026-08-06T13:52:04+00:00","author":{"@id":""},"description":"Het nieuwe reglement voor SPAA-afsprakenstelsel brengt sterke klantauthenticatie en een duidelijke MVP-definitie. Ontdek meer!","breadcrumb":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-updated-spaa-scheme-rulebook\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.betaalvereniging.nl\/en\/news\/epc-updated-spaa-scheme-rulebook\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/epc-updated-spaa-scheme-rulebook\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.betaalvereniging.nl\/en\/"},{"@type":"ListItem","position":2,"name":"EPC publishes updated SPAA scheme rulebook"}]},{"@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\/855","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=855"}],"version-history":[{"count":3,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts\/855\/revisions"}],"predecessor-version":[{"id":5386,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts\/855\/revisions\/5386"}],"wp:attachment":[{"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/media?parent=855"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/categories?post=855"},{"taxonomy":"btv_subject_tax","embeddable":true,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/btv_subject_tax?post=855"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}