Dependency on global players
The backbone of European commerce still runs on external rails. Without a sovereign alternative, geopolitical shifts or commercial decisions beyond Europe's control can disrupt entire economies.
Building Europe's sovereignty in payments – together.
EMPSA promotes sovereign, interoperable payments across Europe by bringing together trusted and successful European mobile payment solutions
No control means no say
Europe's values, data and standards are at stake. A continent that builds its own regulations cannot afford to outsource its payment infrastructure.
Vulnerability begins with dependence
When key payment infrastructure lies outside of Europe's hands, continuity becomes uncertain. EMPSA members provide truly European alternatives for consumers and merchants.
Trusted by millions.
Interoperability enables the connection of payment solutions that are already trusted by banks, merchants and institutions - not theoretical models, but live, proven networks.
One framework, countless reach.
Commonly standards unlock interoperability across Europe. With interoperability, local systems expand their reach - without losing their identity.
Made for Europe.
Diverse. Connected. Resilient. EMPSA reflects the strengths of Europe: variety, collaboration and democratic control over critical infrastructure.
"This is the path forward for Europe. Cooperation that builds scale, innovation that drives competitiveness and ambition that turns European technology into global leadership."
Maria Luis Albuquerque
European Commissioner for Financial Stability, Financial Services, and Capital Markets
"We encourage private initiatives to build strong together and to build the unified European Market. And we are happy to see this now coming to live."
Marcus Härtel
Team Lead Online Use Case Team – Digital Euro, European Central Bank
2026
Brussels Conference: From Conception to Reality.
EMPSA returns to Brussels – this time to celebrate what has been built and chart the path from shared standards to continental scale.
2026
MoU for Pan-European Scale.
Bancomat, Bizum, SIBS, and Vipps MobilePay – together with EPI – sign a Memorandum of Understanding to accelerate sovereign, cross-border payments across 13 European countries.
2025
Brussels Conference: Shaping the Future.
EMPSA convenes in Brussels with members and stakeholders to align on the next chapter of European payment sovereignty.
2024
EuroPA Partnership.
Bancomat, Bizum, and MB WAY launch EuroPA, a P2P payment partnership built on EMPSA standards – a major step toward a sovereign European payments ecosystem.
2024
Interoperability goes live.
Bluecode and Bancomat go live with interoperable payments during UEFA Euro 2024 – turning years of collaboration into a working, real-world connection.
2022
Cross-System Transactions.
Bancomat, TWINT, and Bluecode complete successful interoperable transactions together, demonstrating real multilateral connectivity between trusted local systems.
2021
Virtual EMPSA Conference.
More than 200 payment industry experts from across Europe gather – online and in person – for EMPSA's inaugural conference, marking the network's growing momentum.
2020
Proof of Concept.
Norwegian and Swedish systems complete the first successful interoperable transactions in Denmark – while a Swiss system does the same in Germany. Proof that the vision works in practice.
2019
Founded.
EMPSA is established as a collaborative initiative to build the foundation for interoperable mobile payments across Europe.