Request to Pay (SRTP) Definition.

SEPA Request-to-Pay, an EPC scheme live since 2021: a standardized payment request sent to the payer, who accepts it and triggers a credit transfer, ideally an instant one, in return. It is not a payment method but a messaging layer that structures A2A payments for e-invoicing, e-commerce, and the point of sale. Wero and several European banks use it as an underlying building block.