Maillard, H.; Vermeulen, J. - In: Economic Review (2007) II, pp. 47-61
the use of payment instruments (credit transfers, direct debits and card payments) throughout SEPA (the 27 EU countries … created a harmonised legal framework for payment services and the European Payments Council (EPC), unifying the banking sector …. For each of the SEPA payment instruments, the EPC has developed standards : “Rulebooks” for the credit transfer and direct …