Alias Services
Enabling secure mobile P2P payments within Europe
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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 MANAGERHenrik 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 3435Mail Henrik

Henrik Hodam
PRODUCT MARKETING MANAGER