The EPC will need to adopt these detailed standards as to complement its own work in the field. This would be a guarantee for interoperability, security and market access. Without such detailed standards, I fear that technical fragmentation in Europe will remain in place or will even be re-established.
Therefore, I believe that SEPA for cards will not be a realistic undertaking unless there are implementable standards. In addition, SEPA for cards needs a certification framework that will ensure trust, an appropriate level of security for cards and terminals, and “one-stop shopping” for manufacturers of terminals.