Breaking down barriers to secure and innovative card, internet and mobile payments

Carrying a virtual train ticket or repaying a friend with your mobile phone, buying your groceries online, paying with your debit card abroad – the way European citizens shop and pay is radically changing.

A secure and transparent integrated payments environment throughout the EU could create more efficient, modern and safer means of payments – for the benefits of consumers, merchants and payment providers. At least, that is what the European Commission believes.

Green Paper Towards an integrated European market for card, internet and mobile payments

Based on a Green Paper consultation adopted earlier this month, the Commission seeks the views of stakeholders as to which obstacles hinder further market integration and how these could be resolved.

The main issues identified in the paper concern:

• Market access and entry for existing and new service providers
• Payment security and data protection
• Transparent and efficient pricing of payment services
• Technical standardisation
• Inter-operability between service providers.

Consultation on an EU market for card, internet and mobile payments

Everyone is very welcome to contribute to this consultation. Contributions are particularly sought from market participants, national governments and national competent authorities.

• If you are answering this consultation as a citizen, please click here to submit your contribution
• If you are answering this consultation on behalf of an organisation, please click here to submit your contribution.
• If you are answering this consultation on behalf of a public authority, please click here to submit your contribution.

Reference documents and other related consultations

• More information of card, internet and mobile payments
• Press release
• FAQ