What if mobile payments worked seamlessly across all of Europe — secure, effortless, and truly connected? That’s not a “what if” — that is what we do at EMPSA. We are building a seamless, secure, and interoperable payment ecosystem that works across borders and platforms. The European Mobile Payment Systems Association (EMPSA) brings together 13 mobile payment systems that provide innovative payment services to more than 100 million users, more than 5 million merchant acceptance points, and hundreds of European PSP handling several billion transactions per year. EMPSA members represent strong, trusted brands among European consumers and merchants, and are building the future of payments in Europe, with a vision of enabling seamless mobile payment by providing roaming solutions among participating payment systems.
EMPSA members include BANCOMAT PAY (Italy), Bancontact Payconiq Company (Belgium), Bizum (Spain), BLIK (Poland, Romania, and Slovakia), BORICA AD (Bulgaria), Bluecode (Austria and Germany), DIAS S.A. (Greece) MB WAY by SIBS (Portugal), KUIK by MPAY (Albania), Swish (Sweden), RoPay by Transfond (Romania), TWINT (Switzerland) and VippsMobilePay (Denmark, Finland and Norway).
2024
EMPSA members MB WAY, BANCOMAT Pay, and BIZUM establish a partnership for person-to-person payments
2024
Payment Roaming between Bluecode and Bancomat is live!
2022
Interoperability between EMPSA members Bancomat, Twint, and Bluecode
2022
Interoperability between EMPSA members Bancomat, Twint, and Bluecode
2022
Successful Production Testing
2021
EMPSA Conference Events - Introductions and Inspirations
2020
EMPSA's First Interoperable Transactions - a Swiss Consumer in Germany
2020
Live Interoperability Event - Executive Summary
2020
EMPSA's First Interoperable Transactions - Norwegian and Swedish Consumers at a Danish Point-of-Sale
The smartphone as a method of payment has been successfully introduced in several European countries, experiencing significant user and usage growth over the last years. Eleven leading mobile payment providers combining millions of users agree to foster collaboration and international payment through an association, which was founded in Zurich, Switzerland. EMPSA covers Belgium (Bancontact Payconiq), Germany and Austria (Bluecode), Denmark, Finland and Norway (VIPPS MobilePay), Portugal (SIBS/MB WAY), Spain (Bizum), Sweden (Swish), Switzerland (TWINT), Italy (BANCOMAT), Poland (BLIK), Bulgaria (BORICA), Greece (DIAS S.A.), Romania (TRANSFOND) and Albania (MPAY). More countries and mobile payment systems are expected to join the association soon.
The headquarters of the EMPSA is located in Zurich, Switzerland. The association generally fosters collaboration to enable the international use of mobile payments systems and is chaired by Christian Pirkner, Executive Chairman of Bluecode.
„The interoperability of European payment systems will strengthen Europe as an economic power, because a sovereign and independent European payment system can react to pressure from overseas more resiliently and more agile. Not just European banks will benefit from this innovation, but especially merchants and consumers,” Christian Pirkner explains.
TRANSFOND
EMPSA Member
MPAY
EMPSA Member
The vision behind EMPSA is to unify the payment landscape across European borders and technologies. One of the first EMPSA-initiated projects is the establishment and implementation of a cross-platform framework, connecting all EMPSA members and allowing for effortless payment processing for millions of customers. To underscore the importance of interoperability EMPSA has already set up a working group to establish joint system interoperability. This working group is co-chaired by Peter Neubauer of Bluecode and Antonio Bracaglia from Bancomat.
With this cross-border cooperation we want to meet the wish of our users to be able to use their local mobile payment system internationally.
Anton Stadelmann
EMPSA Member, Bluecode
Borica membership in EMPSA will enable us to develop digital strategy in accordance with the best practices in the other European countries. Our cooperation with the members of the Association will allow us to enforce the international usage of mobile payments, benefitting not only the payment service providers, but the merchants and consumers too.
Miroslav Vichev
EMPSA Member, Borica Bank Services
We are happy to join EMPSA and have the chance to contribute to Europe-wide interoperability between various mobile payment systems, which will transform the European payment market into a more sovereign and resilient one. We are determined to lay the foundations for a fruitful partnership, which will also benefit the Greek financial ecosystem in total. Our cooperation will lead to a stronger, more modern, and more effective payment reality throughout Europe. We at DIAS strongly believe that payment interoperability across Europe through EMPSA has the potential to benefit European travelers, domestic merchants, and their issuing banks and acquirers alike.
Stavroula Kampouridou
EMPSA Member, DIAS
We are very happy joining EMPSA. Together with the other members of the association we can take a big step forward to answer an increasing demand of our customers of being able to pay everywhere in Europe with their favorite mobile payment solution BANCOMAT Pay
Alessandro Zollo
EMPSA Member, Bancomat Pay
Together with the other members of the EMPSA association we can take a big step forward to answer an increasing demand of our customers of being able to pay everywhere in Europe with their favorite mobile payment solutions
Dariusz Mazurkiewicz
EMPSA Member, BLIK
The ability to carry out Swish payments outside of Sweden is a high priority among our eight million users. With EMPSA, we are now taking a significant step towards enabling it, while also strengthening our European collaboration between wallets.
Pär Ekroth
EMPSA Board Member, Swish
EMPSA is the key initiative for Europe to create its own standards and to build a competitive interoperable European framework to win back lost terrain in the payments space. Bluecode is humbled to co-chair the working group on interoperability and eager to contribute with regards to swift cross border mobile payment interoperability between all EMPSA solution providers.
Christian Pirkner
EMPSA Chairman, Bluecode
For Bizum, as the leading collaborative banking mobile payment solution in Spain, EMPSA is a natural step to explore the opportunity of interoperability and contribute to the establishment of a future pan-European payment solution based on European standards. We have always raised interoperability as a very real possibility to increase European sovereignty and we share EMPSA's founding conviction that consumers in Europe should be able to freely choose their payment method.
Fernando Rodríguez Ferrer
EMPSA Board Member, Bizum
The rapid growth in mobile payments will lead to an increasing user demand of being able to pay everywhere in Europe with your mobile payment solution, leaving cards and physical wallets behind. EMPSA can be vital in achieving interoperability within a short timeframe.
Morten Kjelsø
EMPSA Board Member, MobilePay
We are particularly proud that Bancontact Payconiq Company plays a leading role in the new association as a founding member. We firmly believe that collaboration between successful domestic systems can make the life of the consumer and the merchant much easier. Our goal is that consumers use their preferred, reliable local app to pay abroad. We are confident that working together under the umbrella of the association will promote interoperability of mobile payment solutions and will build a true European alternative, so important for the European economy.
Valentina Caruso
EMPSA Board Member, Bancontact Payconiq
SIBS, with a track record of over 30 years of innovation and cooperation in payments, is proud to contribute to the birth of EMPSA, hoping to leverage its success with MB WAY in Portugal to foster collaboration and unlock new possibilities in the European cross-border space.
Tiago Bianchi de Aguiar
EMPSA Board Member, SIBS / MB WAY
