The SEPA Request to Pay (SRTP) scheme is the innovation that standardizes and digitizes the request for payment of a good or service directly from the beneficiary to the payer in Europe. Launched in 2021 and set to have a profound impact on the ongoing transformation of digital payments, it is currently being adopted by European operators.
The pan-European regulatory and legislative changes (driven by SEPA, PSD2, the ISO 20022 migration, and EU regulation 2024/886 on Instant Payments) involve the industrial and commercial payment models affecting banks and businesses, with cross-cutting impacts on processes, information structures, and business organization.
Digital services, open banking and finance, and the increase in operators are just some of the scenarios that suggest growth in the demand for agile and innovative payment services across the entire European economic area.
SRTP is the component that enables and streamlines the payment experience: by bridging the gaps between the request issuance, payment operation, and its reconciliation, it facilitates payments for both the payer and the creditor.
We boast the highest level of expertise in collections and payments, gained over more than thirty years of experience in the banking and service center world, thanks to products, solutions, and projects in the area, delivered in collaboration with the development factory and operational teams at our clients' premises.
Our innovative proposals allow banks and outsourcers to maximize the benefits of the various applications of the Request To Pay scheme. Our approach is modular and based on several components that can be integrated according to our clients' needs: