SPS Volume Version 11.0
The SPS Volume version 11.0 consists of eight books, Book 1 to Book 7 and one annex.
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Book 1
General
Includes the definitions of terms used in the SPS Volume which provides a common terminology in card payments and instant payments, called ‘Instant Credit Transfers (ICT)’ in the Volume, and can be used as a reference by the payment industry. It offers an introduction to the content and structure of the SPS Volume, addressing the information needs of both experts in the field and other parties interested in the subject. It reflects the document change history and the principles governing the maintenance process.
Book 2
Functional Requirements
Details requirements applicable to functional descriptions and requirements for Payment Devices and POIs adapted and extended to cover transactions initiated by Instant Credit Transfers (ICT) or with a card, which result in the provision of the different services to the Customer described in this book. Book 2 enables a payment system specialist to identify the operational requirements in the domain that need to be addressed to facilitate harmonisation. To improve the interoperability of payments and terminals, the book also refers to and enhances all necessary payment standards and shows how to use these in conformance with the various services requirements described.
Book 3
Data Elements
Supports the card message standards defined in ISO (International Organization for Standardization) (e.g. ISO 20022, ISO 8583). It allows card schemes, issuers and acquirers to easily identify enhancements and comparisons with earlier ISO releases. In addition, the data within Book 3 are available within a separate spreadsheet which can assist in the design of related system architecture for implementation. This promotes the harmonisation of existing protocols with both the SPS Volume and the ISO 20022 card message authorisation and clearing standards. Book 3 serves as a major enabling factor to achieve technical interoperability in the area of processing based on the most advanced global message standards available.
The Book 3 Data Elements Spreadsheet sets out the data elements described in Book 3 of the SPS Volume. This separate spreadsheet can assist in the design of related system architecture for implementation and promotes the harmonisation of existing protocols with both the SPS Volume and the ISO 20022 card message authorisation and clearing standards.​
Book 4
Security
Defines requirements in order to achieve a ‘single common set of SEPA security requirements’ for Card and Instant Credit Transfer (ICT) transactions. In defining security requirements, Book 4 refers to PCI (Payment Card Industry), Common.SECC, and other international security standards i.e. ISO, PSD and CSN EN. This ‘toolbox’ enables system developers and security professionals to easily identify and implement a single harmonised set of security requirements in a consistent way. SEPA card and ICT transactions security requirements are key to maintaining trust in payments and to making security a pro-competitive factor to the benefit of all stakeholders in the payment industry.
Book 5
Conformance Verification Process
Defines the methods which allow to verify actual conformance with the SCS Volume requirements of a given implementation specification. Based on those requirements, an implementation specification can be developed, which allows a solution provider (e.g. a point of sale vendor) to develop products (e.g. a point of interaction terminal) against it. The conformance of a product towards an implementation specification is controlled by a certification process.
The Book defines in particular the SCS Volume Labelling process, which is optional, and verifies that an implementation specification and its provider is conformant to the requirements of the SCS Volume. Type approval is defined as a final validation, performed by an approval body, before the product or solution may be deployed and used. Roles to be considered in VOLUME conformant certification and approval processes are described in the Book.
Book 6
Implementation Guidelines
​Book 6 provides best practices to support the implementation of Regulatory requirements, general best practices for implementation and options applicable to the Payment Contexts, specific best practices for implementation and options for each Payment Context, and use cases for contactless as well as e- and m-commerce transaction scenarios.
Tokenisation
Annex
​The EPSG has carried out a specific analysis for documenting Tokenisation Considerations for SEPA Card Payments which has been extended to Instant Credit Transfers (ICT) in Volume version 11. This document is separate from the Volume books because it covers all aspects of tokenisation in a complete way, from angles deemed of interest to EPSG members.
