For Internet payments in particular, the risk of fraud should be reduced by widespread adoption of central authentication systems, with the use of two or more access keys, security tokens and one-time passwords, as well as specific site data protection programs. The bodies promoting the SEPA project can intervene more effectively in these respects with shared rules of conduct.
The theme of security includes measures to prevent use of payment instruments for illegal purposes such as money laundering. The objective of the various authorities is to combine operational flexibility and technological development in the field of payment services with adequate integrity of circuits and traceability of transactions.