Skip to the content


The European Union is aiming to create a single payment area, which not only allows citizens and businesses to make cross-border payments in a seamless and secure manner, but also ensures that cross-border payments are subject to the same charges as domestic payments. In furtherance of this goal, the EU set-up common rules on payments across the EU through its payment services directive (recently revised). These rules cover all types of electronic and non-cash payments that e-commerce sellers use: card payments, mobile and online payments etc. EMOTA works with EU policy-makers, through high-level expert groups, to pursue its goal of having a competition-oriented approach for payments. This means: (i) the removal of non-competitive fees; (ii) proper enforcement of payment rules; (iii) a true pan-EU payments system; and (iv) for a policy-framework that supports the use of new technologies.

Joint Letter on SCA & CVV authentication factors to EBA

Joint Letter on SCA & CVV authentication factors to EBA

25 October 2018

Download - Filesize 369 kB

Co-signed letter to EC on final draft EBA RST

25 September 2017

Download - Filesize 693 kB

Industry Letter to the European Commission on the EBA SCA RTS

25 September 2017

Download - Filesize 708 kB

EMOTA position on card, internet and mobile payments

April 2012

Download - Filesize 336 kB

Strong Customer Authentication and the Risk Based Approach

26 July 2017

Download - Filesize 2.36 MB

Letter to EC & EP on EBA SCA in Online Payments

12 October 2016

Download - Filesize 792 kB