Alias Services

Enabling mobile person-to-person payments within Europe in a secure manner

One big driver for the success of the introduction of mobile payments is the mobile person-to-person (P2P) payments. In addition to the current local, domestic solutions there is a growing need to enable cross-border and cross-community P2P payments.

The European Payments Council (EPC) defined and created interoperability between the existing P2P payment services based on a new service, the SEPA Proxy Lookup (SPL) service. This SEPA Proxy Lookup service will enable the retrieval of the correct up-to-date IBAN, based on the mobile number of the payee, to P2P payment providers. equensWorldline has been selected to be the service provider for this centralized SPL service.

Basic functionalities

Connection of cross-country and cross-community
Person-to-Person payment providers
Alias retrieval service
Retrieval of the correct up-todate IBAN
Mapping mobile number to IBAN
Ability to initiate payment to creditor

Future extensions

Support of additional aliases/proxy types like email addresses and messenger IDs (e.g. Skype)
Support of additional response types like PAN numbers
Payment Requests and Payment Notifications
Support Payment Initiation requests for retail payments in European scope
Support additional value added services like transfer of e-receipts in case of consumer purchase
Include non-European payment providers

Values for Users

Improved user experience
No interaction with payee required for the IBAN
Correct & up-to-date IBAN
Payee gets money without additional work (sending the IBAN)
Secure way to initiate the payment

Values for P2P Providers

Higher attractiveness for new customers
Provide improved user experience for customers
Reduction of costs because no incorrect IBANs
Additional revenue based on additional transactions
Additional revenue because the payee can spend the money he got or use it for cash-out services

Download brochure: 'Enabling mobile person-to-person payments'

This brochure explains the challenge and the solution of the SEPA Proxy Lookup service together with the benefits for all participants in more detail.

Our expert

Henrik Hodam PRODUCT MARKETING MANAGER

Henrik Hodam has been working for this company since 2001 and has experience in mobile, digital and the banking and telecom industry. Henrik is responsible for the SEPA Proxy Lookup service and the Identity Broker service.

T: +49 171 493 3435

Mail Henrik

Henrik Hodam

PRODUCT MARKETING MANAGER