This document provides an insight into MCPs through MCP use cases, description of MCP transaction aspects and further specifies technical and security guidelines for the different components of a mobile contactless payment solution.
To further contribute to the ERPB’s (Euro Retail Payment Board) vision for mobile proximity payments, the EPC has facilitated the creation of an ad-hoc multi-stakeholder group for the update of the Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines or “MCP IIGs”.
They aim to be a reference for all stakeholders involved with mobile contactless card payments in Europe.
With the support of stakeholders from the mobile contactless payment industry, the MCP IIGs have been updated to reflect the rapidly evolving MCP ecosystem - many new entrants joined the market and new technologies emerged (including for instance, HCE-based (Host Card Emulation) solutions, new Secure Element (SE) types such as embedded UICC (eUICC) and integrated SE (iSE), tokenisation, new consumer verification methods such as biometrics).
In addition, alignment with new regulations (e.g. PSD2) and with recent work from other standardisation and industry bodies needed to be urgently addressed.
Guidelines
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