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EN
Official Journal of the European Union
24.12.2013
REGULATION (EU) No 1409/2013 OF THE EUROPEAN CENTRAL BANK
of 28 November 2013
on payments statistics
(ECB/2013/43)
THE GOVERNING COUNCIL OF THE EUROPEAN CENTRAL BANK,
relevant information should be collected directly from
reporting agents.
Having regard to the Statute of the European System of Central
Banks and of the European Central Bank, and in particular
(4) The
methodology
according
to
which
payments
Article 5 thereof,
information is collected should take account of the devel
opments in the legal framework for payments within the
European Union, in particular, Directive 2007/64/EC of
the European Parliament and of the Council ( 3 ), Directive
Having regard to Council Regulation (EC) No 2533/98 of
2009/110/EC of the European Parliament and of the
23 November 1998 concerning the collection of statistical
Council ( 4 ) and Article 5 of of Regulation (EC) No
information by the European Central Bank ( 1 ), and in particular
924/2009 of the European Parliament and of the Coun
Articles 5(1) and 6(4) thereof,
cil ( 5 ).
Having regard to the opinion of the European Commission,
(5) It
may
be
appropriate
for
NCBs
to
collect
from
the
actual
reporting population the statistical information necessary
to fulfil the ECB’s statistical requirements as part of a
broader statistical reporting framework which the NCBs
Whereas:
establish under their own responsibility in accordance

with Union or national law or established practice and
which also serves other statistical purposes, provided that
the fulfilment of the ECB’s statistical requirements is not
jeopardised. This may also reduce the reporting burden.
(1) The
European
Central
Bank
(ECB)
requires
country-
In order to foster transparency, it is appropriate, in these
specific and comparative payments statistics to fulfill its
cases, to inform the reporting agents that data are also
tasks. Article 2(1) of Regulation (EC) No 2533/98
collected to fulfil other statistical purposes. In specific
provides that information may be collected in the area
cases, the ECB may rely on statistical information
of payments and payment systems statistics. These data
collected for such other purposes to fulfil its require
are essential for identifying and monitoring developments
ments.
in the payments markets within the Member States, and
for assisting in the promotion of the smooth operation
of payment systems.
(6)
While it is recognised that regulations adopted by the
ECB under Article 34.1 of the Statute of the ESCB do
not confer any rights or impose any obligations on
(2)
Article 5.1 of the Statute of the European System of
Member States whose currency is not the euro (here
Central Banks and of the European Central Bank (here
inafter the ‘non-euro area Member States’), Article 5 of
inafter the ‘Statute of the ESCB’) requires the ECB,
the Statute of the ESCB applies to both Member States
assisted by the national central banks (NCBs), to collect
whose currency is the euro (hereinafter the ‘euro area
the necessary statistical information either from the
Member States’) and non-euro area Member States.
competent national authorities or directly from
Recital 17 of Regulation (EC) No 2533/98 refers to the
economic agents in order to undertake the tasks of the
fact that Article 5 of the Statute of the ESCB, together
European System of Central Banks (ESCB). Article 5.2 of
with Article 4(3) of the Treaty on European Union,
the Statute of the ESCB requires NCBs to carry out, to
implies an obligation to design and implement at
the extent possible, the tasks described in Article 5.1.
national level all the measures that the non-euro area
( 3 ) Directive 2007/64/EC of the European Parliament and of the
Council of 13 November 2007 on payment services in the
(3) The
Eurosystem
collects
payments
information
pursuant
internal market (OJ L 319, 5.12.2007, p. 1).
to Guideline ECB/2007/9 ( 2 ). In the interest of increasing
( 4 ) Directive 2009/110/EC of the European Parliament and of the
the quality and reliability of payments statistics and
Council of 16 September 2009 on the taking up, pursuit and
ensuring full coverage of the reporting population, the
prudential supervision of the business of electronic money insti
tutions (OJ L 267, 10.10.2009, p. 7).
( 5 ) Regulation (EC) No 924/2009 of the European Parliament and of
( 1 ) OJ L 318, 27.11.1998, p. 8.
the Council of 16 September 2009 on cross-border payments in the
( 2 ) Guideline ECB/2007/9 of 1 August 2007 on monetary, financial
Community and repealing Regulation (EC) No 2560/2001 (OJ
institutions and markets statistics (OJ L 341, 27.12.2007, p. 1).
L 266, 9.10.2009, p. 11).

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Member States consider appropriate in order to carry out
Article 3
the collection of the statistical information needed to
fulfil the ECB’s statistical reporting requirements and
Statistical reporting requirements
timely preparations in the field of statistics in order for
1. The
actual
reporting
population
shall
report
the
statistical
them to become euro area Member States. Consequently,
information to the NCB of the Member State in which the
provisions of this Regulation may be extended to apply
reporting agent is resident, as specified in Annex III and
to the NCBs of non-euro area Member States by means
taking into consideration the clarifications and definitions
of such NCBs cooperating with the Eurosystem on the
provided in Annexes I and II.
basis of an ECB recommendation.
(7) The
standards
for
the
protection
and
use
of
confidential 2. The
NCBs
shall
define
and
implement
the
reporting
statistical information as laid down in Article 8 of
arrangements to be followed by the actual reporting population
Council Regulation (EC) No 2533/98 should apply.
in accordance with national characteristics. The NCBs shall
ensure that these reporting arrangements provide the statistical
information required under this Regulation and allow accurate
(8) It
is
necessary
to
set
up
a
procedure
to
carry
out checking of compliance with the minimum standards for trans
technical amendments to the annexes to this Regulation
mission, accuracy, compliance with concepts and revisions
in an effective manner, provided that such amendments
specified in Annex IV.
neither change the underlying conceptual framework nor
affect the reporting burden. Account will be taken of the
views of the Statistics Committee (STC) of the ESCB
when following this procedure. NCBs and other ESCB
Article 4
Committees may propose such technical amendments
to the annexes through the STC,
Derogations
1. NCBs
may
grant
derogations
to
reporting
agents
in
respect
of part or all of the reporting requirements set out in this
HAS ADOPTED THIS REGULATION:
Regulation:
Article 1
(a) in the case of payment institutions, if they fulfil the
Definitions
conditions laid down in Article 26(1) and (2) of Directive
For the purposes of this Regulation:
2007/64/EC;
(a) ‘reporting agent’ and ‘resident’ have the same meaning as
defined in Article 1 of Regulation (EC) No 2533/98;
(b) in the case of electronic money institutions, if they fulfil the
conditions laid down in Article 9(1) and (2) of Directive
2009/110/EC;
(b) ‘payment service’, ‘payment service provider’, ‘payment insti
tution’ and ‘payment system’ have the same meaning as
defined in Article 4 of Directive 2007/64/EC;
(c) in the case of other payment service providers not
mentioned in points (a) and (b), if they fulfil either the
(c) ‘electronic money issuer’ and ‘electronic money institution’
conditions laid down in Article 9(1) and (2) of Directive
have the same meaning as defined in Article 2 of Directive
2009/110/EC or in Article 26(1) and (2) of Directive
2009/110/EC;
2007/64/EC.
(d) ‘payment system operator’ means a legal entity that is legally
2. NCBs
may
only
grant
derogations
to
reporting
agents
responsible for operating a payment system.
under paragraph 1 if these reporting agents do not contribute
to a statistically significant coverage, at national level, of
payment transactions for each type of payment service.
Article 2
Actual reporting population
1. The
actual
reporting
population
shall
consist
of
payment 3. NCBs
may
grant
derogations
to
reporting
agents
in
respect
service providers (including electronic money issuers) and/or
of reporting transactions with non-MFIs, where: (a) the
payment system operators.
combined value of services specified in Table 4 of Annex III
contributed by reporting agents benefiting from such derogation
does not exceed 5 % at national level for each of such services;
2. The
reporting
agents
shall
be
subject
to
full
statistical and (b) the reporting burden would otherwise be dispropor
reporting requirements.
tionate in view of the size of such reporting agents.

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4. If
an
NCB
grants
a
derogation
pursuant
to
paragraph
1
or 2. NCBs
shall
decide
when
and
with
which
periodicity
they
3, it shall notify the ECB thereof at the same time as it reports
need to receive data from reporting agents in order to meet
information pursuant to Article 6(1).
their reporting deadline to the ECB, and shall inform the
reporting agents accordingly
5. The
ECB
shall
publish
a
list
of
entities
granted
derogations
by the NCBs.
Article 7
Verification and compulsory collection
Article 5
The NCBs shall exercise the right to verify or to collect compul
List of payment service providers and payment system
sorily the information which reporting agents are required to
operators for statistical purposes
provide pursuant to this Regulation, without prejudice to the
ECB’s right to exercise this right itself. In particular, the NCBs
1. The
Executive
Board
shall
establish
and
maintain
a
list
of shall exercise this right when a reporting agent does not fulfil
payment service providers, including electronic money issuers,
the minimum standards for transmission, accuracy, compliance
and payment system operators subject to this Regulation. The
with concepts and revisions specified in Annex IV.
list will be based on existing lists of supervised payment service
providers and payment system operators established by national
authorities, where such lists are available.
Article 8
First reporting
2. The NCBs and the ECB shall make the list referred to in
By way of derogation from Article 6, first reporting pursuant to
paragraph 1, and its updates, accessible to the reporting agents
this Regulation shall start in June 2015 with statistical
concerned in an appropriate way, including by electronic
information relating to the reference period of the second half
means, via the Internet or, at the request of the reporting
of the calendar year 2014 (i.e. as of July 2014).
agents concerned, in paper form.
Article 9
3. The
list
referred
in
paragraph
1
shall
be
for
information
only. However, in the event that the latest accessible electronic
Simplified amendment procedure
version of the list referred to in paragraph 1 is incorrect, the
Taking account of the STC’s views, the Executive Board shall be
ECB shall not impose sanctions on any entity that did not
entitled to make technical amendments to the annexes to this
properly fulfil its reporting requirements to the extent that it
Regulation, provided that such amendments neither change the
relied in good faith on the incorrect list.
underlying conceptual framework nor affect the reporting
burden. The Executive Board shall inform the Governing
Article 6
Council of any such amendment without undue delay.
Timeliness
Article 10
1. Statistical
information,
as
specified
in
Annex
III,
shall
be
Final provision
transmitted by the NCBs to the ECB on an annual basis by close
of business on the last working day of May following the end of
This Regulation shall enter into force on the 20th day following
the year to which it relates.
its publication in the Official Journal of the European Union.
This Regulation shall be binding in its entirety and directly applicable in the Member States in
accordance with the Treaties.
Done at Frankfurt am Main, 28 November 2013.
For the Governing Council of the ECB
The President of the ECB
Mario DRAGHI

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ANNEX I
GENERAL STRUCTURE OF PAYMENTS STATISTICS
PART 1 OVERVIEW
Part 1.1 Overview of tables
1. Payments statistics are compiled by the European Central Bank (ECB) through specific harmonised data collection
managed at national level by each national central bank (NCB). The data compilation is structured in the form of
seven tables as described below containing national data on each Member State whose currency is the euro
(hereinafter a ‘euro area Member State’) that are later combined in comparative tables covering all euro area
Member States.
Table Description
of
main
contents
Table 1:
Breakdowns showing number of overnight deposits, number of
payment accounts, number of e-money accounts and outstanding
Institutions offering payment services to value on e-money storages issued, by credit institutions, electronic
non-monetary financial institutions (non- money institutions, payment institutions and other payment service
MFIs)
providers (PSPs) and e-money issuers
Table 2:
Number of cards issued by PSPs resident in the country. Data on cards
are compiled with a breakdown by function of the card
Payment card functions
Table 3:
Number of terminals provided by PSPs resident in the country. Data on
terminals distinguish between automatic teller machines (ATMs), point-
Payment card accepting devices
of-sale (POS) and e-money card terminals
Tables 4:
Number and value of payment transactions sent and received by non-
MFIs through PSPs resident in the country. Transactions are compiled
Payment transactions involving non-MFIs by payment service with a geographical breakdown
Tables 5:
Number and value of payment transactions sent by non-MFIs through
PSPs. Transactions are compiled by type of terminal involved with a
Payment transactions per type of terminal geographical breakdown
involving non-MFIs
Table 6:
Number of participants in each payment system located in the country,
distinguishing direct and indirect participants and within direct
Participation in selected payment systems participants with a breakdown by type of institution
Table 7:
Number and value of payment transactions processed by each payment
system located in the country, by payment service and with a
Payments processed by selected payment geographical breakdown
systems
Part 1.2 Type of information
1. Stock data, as contained in Tables 1, 2, 3 and 6, refer to end-of-period, i.e. positions on the last working day of the
reference calendar year. The indicators on the outstanding value on e-money storages issued are compiled in euro
and relate to payment storages denominated in all currencies.

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2. Flow data, as contained in Tables 4, 5 and 7, relate to payment transactions accumulated throughout the period, i.e.
total for the reference calendar year. The indicators on the value of transactions are compiled in euro and relate to
payment transactions denominated in all currencies.
Part 1.3 Consolidation within the same national territory
1. For each euro area Member State, the reporting population consists of PSPs and/or payment system operators.
2. PSPs are institutions incorporated and located in that territory, including subsidiaries of parent companies located
outside that territory, and branches of institutions that have their head office outside that territory.
(a) Subsidiaries are separate incorporated entities in which another entity has a majority or full holding.
(b) Branches are unincorporated entities without independent legal status wholly owned by the parent.
3. For statistical purposes, the following principles apply for consolidation of PSPs within national boundaries:
(a) If a parent company and its subsidiaries are PSPs located in the same national territory, the parent company is
permitted in its statistical returns to consolidate the business of these subsidiaries. This is only applicable in the
event that the parent company and its subsidiaries are classified as the same type of PSP.
(b) If an institution has branches located within the territories of the other euro area Member States, the registered or
head office located in a given euro area Member State considers these branches as residents in the other euro area
Member States. Conversely, a branch located in a given euro area Member State considers the registered or head
office or other branches of the same institution located within the territories of the other euro area Member
States as residents in the other euro area Member States.
(c) If an institution has branches located outside the territory of the euro area Member States, the registered or head
office located in a given euro area Member State considers these branches as residents of the rest of the world.
Conversely, a branch located in a given euro area Member State considers the registered or head office or other
branches of the same institution located outside the euro area Member States as residents of the rest of the world.
4. For statistical purposes, consolidation of PSPs across national boundaries is not permitted.
5. If a payment system operator is responsible for several payment systems located in the same national territory,
statistics for each payment system are reported separately.
6. Institutions located in offshore financial centres are treated for statistical purposes as residents of the territories in
which the centres are located.
PART 2 SPECIFIC FEATURES IN TABLES 2 TO 7
Part 2.1 Payment card functions (Table 2)
1. If a ‘card with a payment function (except cards with an e-money function only)’ offers several functions, it is
counted in each applicable sub-category. Therefore, the total number of cards with a payment function, may be
smaller than the sum of the sub-categories. To avoid double-counting, sub-categories should not be added up.
2. A ‘card with an e-money function’ can be either a ‘card on which e-money can be stored directly’ or a ‘card which
gives access to e-money stored on e-money accounts’. Therefore, the total number of cards with an e-money function
is the sum of the two sub-categories.
3. The total number of cards issued by resident PSPs is stated separately in ‘total number of cards (irrespective of the
number of functions on the card)’. This indicator may not necessarily be the sum of ‘cards with a cash function’,
‘cards with a payment function’ and ‘cards with an e-money function’, as these categories may not be mutually
exclusive.
4. The indicator ‘card with a combined debit, cash and e-money function’ refers to a card issued by a PSP, which has a
combined cash, debit and e-money function. In addition, it is reported in each of the sub-categories:
(a) ‘cards with a cash function’;
(b) ‘cards with a debit function’;
(c) ‘cards with an e-money function’.

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5. If a card with a combined function offers additional functions, it is also reported in the relevant sub-category.
6. Cards are counted on the card-issuing side regardless of the cardholder’s residency or the location of the account to
which the card is linked.
7. Each country reports the number of cards that have been issued by PSPs resident in the country, irrespective of
whether the card is co-branded or not.
8. Cards in circulation are included irrespective of when they were issued or whether they were used.
9. Cards issued by card schemes, i.e. three-party or four-party schemes, are included.
10. Expired or withdrawn cards are not included.
11. Cards issued by merchants, i.e. retailer cards, are not included, unless they have been issued in cooperation with a
PSP, i.e. they are co-branded.
Part 2.2 Payment card accepting devices (Table 3)
1. All terminals provided by resident PSPs are reported, including all terminals located in the reporting country and
terminals located outside of the reporting country.
2. The entity which provides terminals is the acquirer, regardless of the ownership over the terminals. Therefore, only
terminals provided by the acquirer are counted.
3. Terminals provided by branches and/or subsidiaries of the PSP located abroad are not reported by the parent PSP, but
by the branches and/or subsidiaries themselves.
4. Every terminal is counted individually even if several terminals of the same type exist at one merchant location.
5. If an ATM offers more than one function, it is counted in each applicable sub-category. Therefore, the total number
of ATMs may be smaller than the sum of the sub-categories. To avoid double-counting, sub-categories should not be
added up.
6. POS terminals are split into two sub-categories: ‘EFTPOS terminals’ and ‘e-money card terminals’. These sub-categories
should not be added up, as they are ‘of which’ and would not equate to the total.
7. If an e-money card terminal offers more than one function, it is counted in each applicable sub-category. Therefore,
the total number of e-money card terminals may be smaller than the sum of the sub-categories. To avoid double-
counting, sub-categories should not be added up.
Part 2.3 Payment transactions involving non-MFIs (Table 4)
1. Payment transactions are initiated by non-MFIs to any counterparty or by PSPs if the counterparty is a non-MFI. This
includes:
(a) payment transactions which take place between two accounts held at different PSPs and which are executed with
the use of an intermediary, i.e. where payments are sent to another PSP or to a payment system; and
(b) payment transactions which take place between two accounts held at the same PSP, e.g. on-us transactions, with
the transaction being settled either on the accounts of the PSP itself, or with the use of an intermediary, i.e.
another PSP or a payment system.
2. Payment transactions initiated by a resident PSP and executed with a specific transaction order, i.e. with the use of a
payment instrument, are included as ‘transactions per type of payment service’.
3. Fund transfers between accounts in the same name, and also between different types of accounts are included
according to the payment service used. Transfers between different types of accounts include, for example,
transfers from a transferable deposit to an account holding a non-transferable deposit.

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4. In relation to bulk payment transactions, each individual payment transaction is counted.
5. Payment transactions denominated in foreign currency are included. Data are converted into euro using the ECB
reference exchange rate or exchange rates applied for these transactions.
6. Payment transactions initiated by a resident PSP and executed without a specific transaction order, i.e. without the use
of a payment service, by simple book entry on the account of a non-MFI, are not included. If they cannot be
distinguished, such transactions are included as ‘transactions per type of payment service’.
Total payment transactions
7. The indicator ‘total payment transactions involving non-MFIs’ is the sum of the six mutually exclusive sub-categories:
‘credit transfers’, ‘direct debits’, ‘card payments with cards issued by resident PSPs (except cards with an e-money
function only)’, ‘e-money payment transactions’, ‘cheques’ and ‘other payment services’.
Credit transfers
8. Each transaction is allocated to only one sub-category, i.e. either ‘initiated in paper-based form’ or ‘initiated elec
tronically’. As the sub-categories are mutually exclusive, the total number of credit transfers is the sum of the sub-
categories. The same principle applies to the total value of credit transfers.
9. Credit transfers reported under ‘initiated electronically’ are further split into ‘initiated in a file/batch’ and ‘initiated on a
single payment basis’. As the sub-categories are mutually exclusive, the total number of credit transfers initiated
electronically is the sum of the sub-categories. The same principle applies to the total value of credit transfers
initiated electronically.
10. Includes credit transfers performed via ATMs with a credit transfer function.
11. Transactions involving cash at one or both ends of the payment transaction, and using a credit transfer payment
service, are also included as credit transfers.
12. Credit transfers used to settle outstanding balances of transactions using cards with a credit or delayed debit function
are also included.
13. Credit transfers includes all Single Euro Payments Area (SEPA) credit transfers as well as non-SEPA transactions. Non-
SEPA transactions are also reported in the sub-category ‘non-SEPA’.
14. The sub-categories ‘initiated in a file or batch’ and ‘initiated on a single payment basis’ contain all SEPA and non-
SEPA transactions.
15. ‘Domestic transactions sent’, ‘cross-border transactions sent’ and ‘cross-border transactions received’ contain both
SEPA and non-SEPA transactions.
16. Cash payments to an account using a bank form are not included under credit transfers.
Direct debits
17. Both one-off and recurrent direct debits are included. In the case of recurrent direct debits, each individual payment is
counted as one transaction.
18. Direct debits used to settle outstanding balances resulting from transactions using cards with a credit or delayed debit
function are included, as these are separate payments from the cardholder to the card issuer.
19. Direct debits are further split into ‘initiated in a file/ batch’ and ‘initiated on a single payment basis’. As the sub-
categories are mutually exclusive, the total number of direct debits is the sum of the sub-categories. The same
principle applies to the total value of direct debits.
20. Direct debits includes all SEPA direct debits as well as non-SEPA transactions. Non-SEPA transactions are also
reported in the sub-category ‘non-SEPA’.

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21. The sub-categories ‘initiated in a file or batch’ and ‘initiated on a single payment basis’ contain all SEPA and non-
SEPA transactions.
22. ‘Domestic transactions sent’, ‘cross-border transactions sent’ and ‘cross-border transactions received’ contain both
SEPA and non-SEPA transactions.
23. Cash payments from an account using a bank form are not included under direct debits.
Card payments
24. Payment transactions with cards issued by resident PSPs are reported, regardless of the location of the brand under
which the payment transaction has been made.
25. Transactions reported by payment service includes data on card transactions at virtual points of sale, e.g. over the
internet or the telephone.
26. Payment transactions are performed using cards with a debit, credit or delayed debit function at a terminal or via
other channels. The following breakdown of card payment transactions are reported:
(a) ‘payments with cards with a debit function’;
(b) ‘payments with cards with a delayed debit function’;
(c) ‘payments with cards with a credit function’;
(d) ‘payments with cards with a debit or delayed debit function’;
(e) ‘payments with cards with a credit or delayed debit function’.
27. The sub-categories ‘payments with cards with a debit or delayed debit function’ and ‘payments with cards with a
credit or delayed debit function’ are only reported if the specific card function cannot be identified.
28. Each transaction is allocated to only one sub-category. As the sub-categories are mutually exclusive, the total number
of card payments is the sum of the sub-categories. The same principle applies to the total value of card payments.
29. Payment transactions with cards are also split into ‘initiated at a physical EFTPOS’ and ‘initiated remotely’. As the sub-
categories are mutually exclusive, the total number of card payments is the sum of the sub-categories. The same
principle applies to the total value of card payments.
30. Card payments with cards issued by resident PSPs which only have an e-money function are not included.
E-money payment transactions
31. Each transaction is allocated to only one sub-category, i.e. ‘with cards on which e-money can be stored directly’ or
‘with e-money accounts’. As the sub-categories are mutually exclusive, the total number of e-money payment
transactions is the sum of the sub-categories. The same principle applies to the total value of e-money payment
transactions.
32. Transactions under ‘with e-money accounts’ are further split to provide information on those ‘accessed through a
card’.
Cheques
33. Cash withdrawals with cheques are included.
34. Cash withdrawals using bank forms are not included.
35. Cheques issued but not submitted for clearing are not included.

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Cross-border transactions
36. In the case of sent transactions, to avoid double-counting, cross-border transactions are counted in the country in
which the transaction originates.
37. In the case of received transactions, to avoid double-counting, cross-border transactions are counted in the country in
which the transaction is received.
38. The difference between ‘cross-border transactions sent’ and ‘cross-border transactions received’ shows the net inflow
or outflow of transactions into or out of the reporting country.
Flow of funds
39. The direction of the flow of funds depends on the payment service and the initiation channel used:
(a) in the case of credit transfers, e-money payments and similar transactions where the payer initiates the trans
action, the sending participant is also the sender of funds, and the receiving participant the recipient of funds;
(b) in the case of direct debits, cheques, e-money payments and similar transactions where the payee initiates the
transaction, the sending participant is the recipient of funds and the receiving participant the sender of funds;
(c) in the case of card payments, although the payee initiates the transaction, the treatment followed within this
Regulation corresponds to that where the payer initiates the transaction.
Part 2.4 Payment transactions per type of terminal involving non-MFIs (Table 5)
1. All indicators in this table refer to cash or cashless payment transactions performed at a physical (not virtual)
terminal.
2. Resident PSPs provide information on all payment transactions at terminals provided (i.e. acquired) by the PSPs.
3. Resident PSPs provide information on all payment transactions, with cards issued by the PSPs, at terminals provided
by non-resident PSPs.
4. Payment transactions at terminals provided by branches or subsidiaries of the PSP abroad are not reported by the
parent PSP.
5. Transactions by type of terminal are broken down into three different categories based on the residency of the PSP.
Categories in points (a) and (b) below are counted on the acquiring side and the category in point (c) below is
counted on the issuing side:
(a) payment transactions at terminals provided by resident PSPs with cards issued by resident PSPs;
(b) payment transactions at terminals provided by resident PSPs with cards issued by non-resident PSPs;
(c) payment transactions at terminals provided by non- resident PSPs with cards issued by resident PSPs.
6. The sub-categories within each category (a), (b) and (c) mentioned in point 5 should not be added up.
7. In this table, the geographical breakdown is based on the location of the terminal.
Part 2.5 Participation in selected payment systems (Table 6)
1. This table refers to number, type and institutional sector of participants (irrespective of their location) in a payment
system.
2. The indicator ‘number of participants’ is the sum of the two mutually exclusive sub-categories ‘direct participants’ and
‘indirect participants’.

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3. The indicator ‘direct participants’ is the sum of the three mutually exclusive sub-categories ‘credit institutions’, ‘central
bank’ and ‘other direct participants’.
4. The indicator ‘other direct participants’ is the sum of the four mutually exclusive sub-categories ‘public adminis
tration’, ‘clearing and settlement organisations’, ‘other financial institutions’ and ‘others’.
Part 2.6 Payments processed by selected payment systems (Table 7)
1. This table refers to payment transactions processed through a payment system.
2. Payment transactions of a PSP on its own account are reported in the relevant indicators in this table.
3. In the case of a payment system, in which another payment system, e.g. an ancillary payment system, settles its
positions, then the following principles apply:
(a) the system of settlement reports the actual number of settlement operations and the actual amount settled;
(b) where payment transactions are cleared outside the payment system and only net positions are settled via the
payment system, only the transactions for the settlement of net positions are counted, and these are allocated to
the payment service used for the settlement transaction.
4. Each payment transaction is counted only once on the sending participant’s side, i.e. the debiting of the payer’s
account and the crediting of the payee’s account are not counted separately. Refer to the section on flow of funds in
Part 2.3 above.
5. For multiple credit transfers, i.e. bulk payments, each item of the payment is counted.
6. In the case of netting systems, it is the gross number and value of payment transactions that is reported, and not the
result after netting.
7. Payment systems distinguish and report domestic and cross-border transactions according to the residency of the
sending and receiving participants. The classification ‘domestic transactions’ or ‘cross-border transactions’ reflects the
location of the parties involved.
8. To avoid double-counting, cross-border transactions are counted in the country in which the transaction originates.
9. The indicator ‘card payments’ includes ATM transactions if the data cannot be broken down; otherwise ATM
transactions are shown in the separate indicator ‘ATM transactions’.
10. The indicator ‘card payments’ includes all payment transactions processed in the payment system, irrespective of
where the card was issued or used.
11. Cancelled payment transactions are excluded. Transactions that are later subject to a rejection transaction are
included.

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ANNEX II
DATA DEFINITIONS
Term Definition
Acquirer The
term
is
applicable
in
the
following
cases:
(a) The entity that holds deposit accounts for card acceptors, i.e. merchants, and to which
the card acceptor transmits the data relating to the transactions. The acquirer is
responsible for the collection of transaction information and settlement with the
acceptors.
(b) In point-of-sale (POS) transactions, the entity to which the acceptor, usually a merchant,
transmits the information necessary in order to process the card payment. The acquirer
is the entity that manages the account of the merchant.
(c) In automated teller machine (ATM) transactions, the entity which makes banknotes
available to the cardholder, whether directly or via the use of third-party providers.
(d) The entity which provides terminals, regardless of the ownership of the terminals.
Acquiring
Means services enabling a payee to accept a payment instrument or a payment transaction,
by providing authentication, authorisation, and settling services resulting in a transfer of
funds to the payee.
Agent ‘Agent’
has
the
same
meaning
as
defined
in
Article
4
of
Directive
2007/64/EC.
ATM (automated teller
Electromechanical device that allows authorised users, typically using machine-readable
machine)
physical cards, to withdraw cash from their accounts and/or access other services, allowing
them, for example, to make balance enquiries, transfer funds or deposit money.
A device allowing only balance enquiries does not qualify as an ATM.
The ATM may be operated online, with a real-time request for authorisation, or offline.
ATM cash deposit (except Cash deposit performed at an ATM using a card with a cash function. Includes all
e-money transactions)
transactions in which cash is deposited at a terminal, without manual intervention, and the
payer is identified with a payment card.
ATM cash withdrawal
Cash withdrawal performed at an ATM using a card with a cash function.
(except e-money
transactions)
Cash advances at POS terminals using a card with a debit, credit or delayed debit function
are only included if they are unconnected to a payment transaction.
Cash withdrawals together with a payment transaction are not included. Instead, these are
‘POS transactions’.
ATM transactions (except
Cash withdrawals or cash deposits performed at an ATM using a card with a cash function,
e-money transactions)
which comprises all relevant transactions initiated with a card, i.e.:
(a) All transactions in which the acquirer and the issuer of the card are different entities;
and
(b) All transactions in which the acquirer and the issuer of the card are the same entity.
E-money payment transactions are not included.

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Term Definition
ATM with a cash
ATM allowing authorised users to withdraw cash from their accounts by using a card with
withdrawal function
a cash function.
ATM with a credit transfer ATM allowing authorised users to make credit transfers using a payment card.
function
Branch
A place of business other than the head office located in the reporting country and
established by a payment service provider (PSP) legally incorporated in another country. It
has no legal personality and directly carries out some or all of the transactions inherent in
the business of a PSP.
All of the places of business set up in the reporting country by the same institution legally
incorporated in another country constitute a single branch. Each of these places of business
is counted as an individual office.
Brand A
particular
payment
product,
especially
a
card,
that
has
been
licensed
by
its
owner
for
use
in a given territory.
Card
A device that can be used by its holder either to conduct transactions or to withdraw
money.
Cards offer the cardholder, in accordance with the agreement with the card issuer, one or
more of the following functions: cash, debit, delayed debit, credit and e-money.
Cards linked to an e-money account are included in the category ‘cards with an e-money
function’ as well as in other categories according to the functions offered by the card.
Cards are counted on the sending participant’s side (i.e. the card-issuing side).
Card issuer A
financial
institution
that
makes
payment
cards
available
to
cardholders,
authorises
transactions at POS terminals or ATMs and guarantees payment to the acquirer for
transactions that are in conformity with the rules of the relevant scheme.
In the case of three-party schemes, the card issuer is the card scheme itself.
In the case of four-party schemes, the following entities can be card issuers:
(a) a credit institution;
(b) an undertaking which is a member of a card scheme and has a contractual relationship
with a cardholder that results in the provision and use of a card of that card scheme.
Cards on which e-money
E-money held on a card in the e-money holder’s possession. Refer also to the definition of
can be stored directly
‘electronic money’.
Card payment Payment
transaction
performed
with
a
card
with
a
debit,
credit
or
delayed
debit
function
at
a terminal or via other channels.
Card payment initiated at a Electronically initiated card payment transaction at a physical POS allowing electronic fund
physical EFTPOS
transfers. This item typically includes payments with cards through an electronic funds
transfer at point of sale (EFTPOS) terminal at a merchant’s location. It does not include e-
money payment transactions.

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Term Definition
Card payments with cards Payment transactions performed using cards with a debit, credit or delayed debit function at
issued by resident PSPs
a terminal or via other channels.
(except cards with an
e-money function only)
All payment transactions initiated with a card are included, i.e:
(a) all transactions in which the acquirer and the issuer of the card are different entities;
and
(b) all transactions in which the acquirer and the issuer of the card are the same entity.
Deductions from the PSP’s account resulting from the settlement of a card transaction in
which the acquirer and the issuer of the card are the same entity are included.
Payment transactions by telephone or over the internet using a card are included.
E-money payment transactions are not included.
Cash withdrawals and deposits at ATMs are not included. These are reported as ‘ATM cash
withdrawals’ or ‘ATM cash deposits’.
Credit transfers at ATMs are not included. These are reported as ‘credit transfers’.
Cash advances at POS terminals are not included.
Card payments with cards Electronically initiated card payment transactions which are not initiated at a physical POS
issued by resident PSPs
terminal. This item typically includes payments with cards for products and services
initiated remotely
purchased by telephone or over the internet.
Card scheme A
technical
and
commercial
arrangement
set
up
to
serve
one
or
more
brands
of
card
which
provides the organisational, legal and operational framework necessary for the functioning
of the services marketed by those brands. A three-party card scheme is a card scheme
involving the following stakeholders:
(a) the card scheme itself, which acts as issuer and acquirer;
(b) the cardholder;
(c) the accepting party.
A four-party card scheme is a card scheme where the stakeholders involved are:
(a) the issuer;
(b) the acquirer;
(c) the cardholder;
(d) the card acceptor.
In the case of ATM transactions, it is usually the acquirer that offers its services via the
ATM.
Cards which give access to Refer to definition of ‘e-money accounts’.
e-money stored on e-
money accounts
Card with a cash function A card enabling the holder to withdraw cash from an ATM and/or to deposit cash to an
ATM.
Card with a combined
A card issued by a PSP, which has a combined cash, debit and e-money function.
debit, cash and e-money
function

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Term Definition
Card with a credit or
A card which has a credit or delayed debit function.
delayed debit function
This category is only reported if the data cannot be broken down into ‘cards with a credit
function’ and ‘cards with a delayed debit function’.
Card with a credit function A
card
enabling
cardholders
to
make
purchases
and
in
some
cases
also
to
withdraw
cash
up
to a pre-arranged ceiling. The credit granted may be settled in full by the end of a specified
period or may be settled in part, with the balance taken as extended credit on which
interest is usually charged.
The distinguishing feature of a card with a credit function, in contrast to a card with a debit
function or a delayed debit function, is the contractual agreement granting the cardholder a
credit line allowing for extended credit.
Card with a debit or
A card which has a debit function or a delayed debit function.
delayed debit function
This category is only reported if the data cannot be broken down into ‘cards with a debit
function’ and ‘cards with a delayed debit function’.
Card with a debit function A
card
enabling
cardholders
to
have
their
purchases
directly
and
immediately
charged
to
their accounts, whether held with the card issuer or not.
A card with a debit function may be linked to an account offering overdraft facilities as an
additional feature. The number of cards with a debit function refers to the total number of
cards in circulation and not to the number of accounts to which the cards are linked.
The distinguishing feature of a card with a debit function, in contrast to a card with a credit
function or a delayed debit function, is the contractual agreement to charge purchases
directly to funds on the cardholder’s current account.
Card with a delayed debit A card enabling cardholders to have their purchases charged to an account with the card
function
issuer, up to an authorised limit. The balance in this account is then settled in full at the
end of a pre-defined period. The holder is usually charged an annual fee.
The distinguishing feature of a card with a delayed debit function, in contrast to a card with
a credit function or a debit function, is the contractual agreement granting a credit line but
with an obligation to settle the debt incurred at the end of a pre-defined period. This type
of card is commonly referred to as a ‘charge card’.
Card with a payment
A card which has at least one of the following functions: a debit function, delayed debit
function (except cards with function or credit function. The card may also have other functions, such as an e-money
an e-money function only) function, but cards with only an e-money function are not counted in this category.
Card with an e-money
A card enabling e-money transactions.
function
Cards on which e-money can be stored directly and cards which give access to e-money
stored on e-money accounts are included.
Card with an e-money
A card with an e-money function which has been loaded at least once and can thus be
function which has been
considered activated. Loading may be interpreted as indicative of the intention to use the e-
loaded at least once
money function.

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Term Definition
Cash Banknotes
and
coins
in
the
vaults
of
monetary
financial
institutions
(MFIs).
Commemorative coins that are not commonly used to conduct payment transactions are
not included.
Cash advance at POS
Transactions in which the cardholder receives cash at a POS terminal in combination with a
terminals
payment transaction for goods or services.
If it is not possible to distinguish data on cash advances at POS terminals, these are
reported as ‘POS transactions’.
Central bank
A financial corporation and quasi-corporation whose principal function is to issue currency,
to maintain the internal and external value of the currency and to hold all or part of the
international reserves of the country.
Cheque
A written order from one party, i.e. the drawer, to another, i.e. the drawee, which is
normally a credit institution, requiring the drawee to pay a specified sum on demand to the
drawer or to a third party specified by the drawer.
Clearing and settlement
Any clearing and settlement organisation which is a direct participant in a payment system.
organisation
Concentration ratio
Concentration ratio in terms of volume: the ratio of the number, i.e. volume, of
transactions sent by the five largest participants of a payment system and the total number,
i.e. volume, of transactions sent via the payment system.
Concentration ratio in terms of value: the ratio of the value of transactions sent by the five
largest participants of a payment system and the total value of transactions sent via the
payment system.
Credit institution
‘Credit institution’ has the same meaning as defined in Article 4(1) of Regulation (EU) No
575/2013 of the European Parliament and of the Council ( 1 ).
Credit transfer Payment
service
which
allows
the
payer
to
instruct
the
institution
holding
its
account
to
transfer funds to the beneficiary. It is a payment order or a sequence of payment orders
made for the purpose of placing funds at the disposal of the beneficiary. Both the payment
order and the funds described therein move from the PSP of the payer to the PSP of the
payee, i.e. the beneficiary, possibly via several other credit institutions as intermediaries
and/or one or more payment and settlement systems.
Transactions involving cash at one or both ends of the payment transaction, and using a
credit transfer payment service, are included as credit transfers.
Credit transfers initiated at an ATM with a credit transfer function are also included.
Credit transfers of which:
Credit transfers which do not comply with the requirements for Single Euro Payments Area
non-SEPA
(SEPA) credit transfers, as stipulated in Regulation (EU) No 260/2012 of the European
Parliament and of the Council ( 2 ).
Credit transfers initiated in Credit transfer which the payer submits in paper-based form.
paper-based form

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Term Definition
Credit transfers initiated in An electronically initiated credit transfer that is part of a group of credit transfers jointly
a file/batch
initiated by the payer via a dedicated line. Each credit transfer contained in a batch is
counted as a separate credit transfer when reporting the number of transactions.
Credit transfers initiated
Any credit transfer which the payer submits without the use of paper forms, i.e.
electronically
electronically. Includes submissions by telefax or other means, such as automated telephone
banking, if they are transformed into electronic payments without manual intervention.
Includes standing orders originally submitted in paper-based form but then executed
electronically.
Includes credit transfers which are executed by a PSP on the basis of a financial service, if
the financial service is initiated electronically, or if the form of submission of the service is
not known and the PSP executed the transfer electronically.
Includes credit transfers initiated at an ATM with a credit transfer function.
Credit transfers initiated on An electronically initiated credit transfer that is initiated independently, i.e. that is not part
a single payment basis
of a group of credit transfers jointly initiated.
Cross-border transaction
A payment transaction initiated by a payer or by a payee, where the payer’s PSP and the
payee’s PSP are located in different countries.
Specifically, in the case of payment systems: a payment transaction between participants
located in different countries.
Transaction received A
transaction
involving
non-MFIs
received
from
PSPs
Information
is
provided
in
the
reporting country by the resident PSP.
For different payment services, the following applies:
(a) credit transfers are counted on the payee’s side;
(b) direct debits are counted on the payer’s side;
(c) cheques are counted on the payer’s side;
(d) card transactions are counted on the payee’s, i.e. acquiring side;
(e) e-money payment transactions are counted on either the payer’s or the payee’s side,
depending on the initiation channel. If counted on the payer’s (payee’s) side under
transactions received, the transaction should be counted on the payee’s (payer’s) side
under transactions sent.
Transaction sent A
transaction
involving
non-MFIs
sent
to
PSPs.
Information
is
provided
in
the
reporting
country by the resident PSP.
For different payment services, the following applies:
(a) credit transfers are counted on the payer’s side;
(b) direct debits are counted on the payee’s side;
(c) cheques are counted on the payee’s side;
(d) card transactions are counted on the payer’s, i.e. the issuing, side.
(e) e-money payment transactions are counted on either the payer’s or the payee’s side,
depending on the initiation channel. If counted on the payer’s (payee’s) side under
transactions sent, the transaction should be counted on the payee’s (payer’s) side under
transactions received.
Concerning payment systems, this is a transaction sent by a participant for processing by
the payment system.

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Term Definition
Direct debit
A payment service for debiting a payer’s payment account, potentially on a recurrent basis,
where a payment transaction is initiated by the payee on the basis of the payer’s consent
given to the payee, to the payee’s PSP or to the payer’s own PSP.
Direct debits of which: non- Direct debits which do not comply with the requirements for SEPA direct debits, as
SEPA
stipulated in Regulation (EU) No 260/2012.
Direct debit initiated in a
An electronically initiated direct debit that is part of a group of direct debits jointly initiated
file/batch
by the payer. Each direct debit contained in a batch is counted as a separate direct debit
when reporting the number of transactions.
Direct debit initiated on a An electronically initiated direct debit that is independent from other direct debits, i.e. that
single payment basis
is not part of a group of direct debits jointly initiated.
Direct participant An
entity
which
is
identified
or
recognised
by
a
payment
system
and
is
authorised
to
send
and receive payment orders directly to and from the system without an intermediary or is
directly bound by the rules governing the payment system. In some systems, direct
participants also exchange orders on behalf of indirect participants. Every participant with
individual access to the system is counted separately.
Domestic payment
‘Domestic payment transaction’ has the same meaning as ‘national payment transaction’ as
transaction
defined in Article 2 of Regulation (EU) No 260/2012.
EFTPOS terminals EFTPOS
terminals
which
capture
payment
information
by
electronic
means
and
are
designed, in some cases, to transmit such information either online, with a real-time request
for authorisation, or offline. Includes unattended terminals.
Electronic money Electronically,
including
magnetically,
stored
monetary
value
as
represented
by
a
claim
on
the issuer which is issued on receipt of funds for the purpose of making payment
transactions as defined in Article 4(5) of Directive 2007/64/EC, and which is accepted by a
natural or legal person other than the electronic money issuer.
Electronic money
‘Electronic money institution’ has the same meaning as defined in Article 2 of Directive
institution
2009/110/EC.
Electronic money issuer
‘Electronic money issuer’ has the same meaning as defined in Article 2 of Directive
2009/110/EC.
E-money accounts Accounts
where
electronic
money
is
stored.
The
balance
in
the
account
can
be
used
by
the
account holder to make payments and to transfer funds between accounts. Cards on which
e-money can be stored directly are excluded.

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Term Definition
E-money accounts accessed Refer to definitions for ‘e-money accounts’ and ‘card with an e-money function’.
through a card
E-money card terminal
Terminal allowing the transfer of electronic value from an issuer of electronic money to a
card with an e-money function and vice versa or from the balance on the card to the
balance of a beneficiary.
E-money card-accepting
Terminal allowing holders of e-money on a card with an e-money function to transfer e-
terminal
money value from their balance to the balance of the merchant or other beneficiary.
E-money card-loading and Terminal allowing the transfer of electronic value from an issuer of electronic money to the
unloading terminal
holder of a card with an e-money function and vice versa, i.e. loading and unloading.
E-money card-loading and Transactions allowing the transfer of e-money value from an issuer of e-money to a card
unloading
with an e-money function and vice versa. Both loading and unloading transactions are
included.
E-money payment
A transaction whereby a holder of e-money transfers e-money value from its own balance
to the balance of the beneficiary, either with a card on which e-money can be stored
directly or with other e-money accounts.
E-money payment with
A transaction whereby the holder of a card with an e-money function transfers e-money
cards on which e-money
value from its balance stored on the card to the balance of the beneficiary.
can be stored directly
E-money payment with e- A transaction whereby funds are transferred from the e-money account of a payer, to the
money accounts
account of a payee. See the definition of ‘e-money accounts’.
E-money payment with e- A transaction whereby a card is used to access an e-money account and subsequently funds
money accounts of which:
are transferred from the e-money account of the payer, to the account of a payee. See the
accessed through a card
definition of ‘e-money accounts’.
E-money scheme A
set
of
technical
concepts,
rules,
protocols,
algorithms,
functions,
legal
and
contractual
agreements, commercial agreements and administrative procedures which form the basis for
the provision of a particular e-money product. This may also include the provision of a
number of marketing, processing or other services to its members.
Funds
Banknotes and coins, scriptural money and electronic money.
Indirect participant
A participant, in a payment system with a tiering arrangement, that uses a direct participant
as an intermediary to perform some of the activities, in particular, settlement allowed in the
system.
All transactions by an indirect participant are settled on the account of a direct participant
that has agreed to represent the indirect participant in question. Every participant that can
be addressed individually in the system is counted separately, whether or not a legal link
exists between two or more such participants.

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Term Definition
Institutions offering
Comprises all PSPs, of which selected indicators for credit institutions, payment institutions
payment services to
and e-money issuers, are to be reported in Table 1.
non-MFIs
Merchant An
entity
that
is
authorised
to
receive
funds
in
exchange
for
the
delivery
of
goods
and/or
services and has established an agreement with a PSP, for accepting these funds.
Monetary financial
MFIs consist of all institutional units included in the sub-sectors central bank (S.121),
institutions (MFIs)
deposit-taking corporations except the central bank (S.122) and money market funds (MMF)
(S.123) as set out in the revised European System of Accounts laid down in Regulation (EU)
No 549/2013 of the European Parliament and of the Council of 21 May 2013 on the
European system of national and regional accounts in the European Union ( 3 ).
Non-MFI
Any natural or legal person who does not belong to the MFI sector.
For the purpose of payments statistics, all PSPs are excluded from the ‘non-MFIs’ sector.
Number of overnight
Number of accounts holding deposits which are convertible into currency and/or
deposits
transferable on demand by cheque, bankers’ order, debit entry or similar means without
significant delay, restriction or penalty.
Number of overnight
Number of overnight deposit accounts held by non-MFIs which the account holder can
deposits of which: number access and use electronically via the internet or with PC banking applications via dedicated
of internet/PC linked
software and dedicated telecommunication lines.
overnight deposits
Number of transferable
Number of overnight deposit accounts holding deposits which are directly transferable on
overnight deposits
demand to make payments to other economic agents by commonly used means of
payment, without significant delay, restriction or penalty.
Transferable deposits Deposits
within
the
category
‘overnight
deposits’,
which
are
directly
transferable
on
demand
to make payments to other economic agents by commonly used means of payment,
without significant delay, restriction or penalty.
Number of transferable
Number of transferable overnight deposit accounts held by non-MFIs which the account
overnight deposits of which: holder can access and use electronically via the internet or with PC banking applications via
number of internet/PC
dedicated software and dedicated telecommunication lines.
linked overnight
transferable deposits
Other direct participants
Any direct participant in a payment system, excluding credit institutions and central banks.
Other e-money issuer E-money
issuers
other
than
‘e-money
institutions’
and
‘credit
institutions’.
Refer
to
the
definition of ‘e-money issuers’.
Other financial institutions All financial institutions participating in a payment system that are under the supervision of
the relevant authorities, i.e. either the central bank or the prudential supervisor, but not
falling within the definition of credit institutions.

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Term Definition
Other payment services
Comprises payment services as defined in Article 4 of Directive 2007/64/EC not explicitly
listed in this Regulation.
Outstanding value on e-
Value, at the end of the reporting period, of e-money issued by electronic money issuers
money storages issued by and held by entities other than the issuer, including e-money issuers other than the issuer.
electronic money issuers
Payer
‘Payer’ has the same meaning as defined in Article 4 of Directive 2007/64/EC.
Payee
‘Payee’ has the same meaning as defined in Article 4 of Directive 2007/64/EC.
Payment account
‘Payment account’ has the same meaning as defined in Article 4 of Directive 2007/64/EC.
Payment initiation service Payment
initiation
services
initiate
payment
transactions
via
an
internet-enabled
payment
account. The services are provided by third party entities, which do not issue the employed
payment account themselves.
Payment institution
‘Payment institution’ has the same meaning as defined in Article 4 of Directive 2007/64/EC.
Payment instrument ‘Payment
instrument’
has
the
same
meaning
as
defined
in
Article
4
of
Directive
2007/64/EC.
Payment service providers ‘Payment service providers’ are those listed in Article 1 of Directive 2007/64/EC.
(PSPs)
Payment services ‘Payment
services’
has
the
same
meaning
as
in
Article
4
of
Directive
2007/64/EC.
Payment system ‘Payment
system’
has
the
same
meaning
as
defined
in
Article
4
of
Directive
2007/64/EC.
Payment transaction ‘Payment
transaction’
has
the
same
meaning
as
defined
in
Article
4
of
Directive
2007/64/EC.
Payments with cards with Payment transactions performed with cards with a credit and/or delayed debit function at a
a credit and/or delayed
physical terminal or via other channels. This sub-category is only reported if the data
debit function
cannot be broken down into ‘payments with cards with a credit function’ and ‘payments
with cards with a delayed debit function’.
Payments with cards with Payment transactions performed with cards with a credit function at a physical terminal or
a credit function
via other channels.
Payments with cards with Payment transactions performed with cards with a debit and/or delayed debit function at a
a debit and/or delayed
physical terminal or via other channels. This sub-category is only reported if the data
debit function
cannot be broken down into ‘payments with cards with a debit function’ and ‘payments
with cards with a delayed debit function’.

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L 352/38
EN
Official Journal of the European Union
24.12.2013
Term Definition
Payments with cards with Payment transactions performed with cards with a debit function at a physical terminal or
a debit function
via other channels.
Payments with cards with Payment transactions performed with cards with a delayed debit function at a physical
a delayed debit function
terminal or via other channels.
POS terminal A
POS
device
allowing
the
use
of
payment
cards
at
a
physical
(not
virtual)
point
of
sale.
The payment information is captured either manually on paper vouchers or by electronic
means, i.e. EFTPOS.
The POS terminal is designed to enable transmission of information either online, with a
real-time request for authorisation, and/or offline.
POS transactions (except
Transactions performed through a POS terminal using a card with a debit, credit or delayed
e-money transactions)
debit function.
Transactions using a card with an e-money function are not included.
Public administration Institutional
units
which
are
non-market
producers
whose
output
is
intended
for
individual
and collective consumption, and are financed by compulsory payments made by units
belonging to other sectors, and institutional units principally engaged in the redistribution
of national income and wealth, as defined in respect of the general government sector.
Total number of cards
Total number of cards in circulation. These may have one or more of the following
(irrespective of the number functions: cash, debit, credit, delayed debit or e-money.
of functions on the card)
Total payment transactions Total number of transactions using payment instruments involving non-MFIs.
involving non-MFIs
Total value of transactions using payment instruments involving non-MFIs.
Total transactions sent Total
number
of
transactions
submitted
to
and
processed
in
a
given
payment
system.
Total value of transactions submitted to and processed in a given payment system.
Transactions at terminals
Payment transactions carried out at all terminals acquired by resident PSPs (i.e. whether
provided by resident PSPs terminals are located in, or outside, the country of location of the PSP) and where the cards
with cards issued by
used in the transactions are issued by resident PSPs.
resident PSPs
Geographical breakdowns (as specified in Annex III) refer to the country of location of the
terminals.
Transactions at terminals
Payment transactions carried out at all terminals acquired by resident PSPs (i.e. whether
provided by resident PSPs terminals are located in, or outside, the country of location of the PSP) and where the cards
with cards issued by non- used in the transactions are issued by non-resident PSPs.
resident PSPs
Geographical breakdowns (as specified in Annex III) refer to the country of location of the
terminals.
Transactions at terminals
Payment transactions carried out at all terminals acquired by non-resident PSPs, where the
provided by non-resident
cards used in the transactions are issued by resident PSPs.
PSPs with cards issued by
resident PSPs
Geographical breakdowns (as specified in Annex III) refer to the country of location of the
terminals.
( 1 ) OJ L 176, 27.6.2013, p. 1.
( 2 ) Regulation (EU) No 260/2012 of the European Parliament and of the Council of 14 March 2012 establishing technical and business
requirements for credit transfers and direct debits in euro (OJ L 94, 30.3.2012, p. 22).
( 3 ) OJ L 174, 26.6.2013, p. 1.

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EN
24.12.2013 Official
Journal
of
the
European
Union L
352/39
ANNEX III
REPORTING SCHEMES
Table 1
Institutions offering payment services to non-MFIs
(End of period)
Number Value
Credit institutions
Number of overnight deposits (thousands) Geo
0
of which:
Number of internet/PC-linked overnight deposits (thousands) Geo
0
Number of transferable overnight deposits (thousands) Geo
0
of which:
Number of internet/PC-linked transferable overnight deposits (thousands) Geo
0
Number of payment accounts Geo
0
Number of e-money accounts Geo
0
Outstanding value on e-money storages issued ( 1 ) (EUR thousands) Geo
0
Electronic money institutions
Number of payment accounts Geo
0
Number of e-money accounts Geo
0
Outstanding value on e-money storages issued ( 1 ) (EUR thousands) Geo
0
Payment institutions
Number of payment accounts Geo
0
Other PSPs and e-money issuers
Number of payment accounts Geo
0
Number of e-money accounts Geo
0
Outstanding value on e-money storages issued ( 1 ) (EUR thousands) Geo
0
( 1 ) Outstanding value on e-money storages issued by e-money issuers.
Table 2
Payment card functions
(End of period, original units)
Number
Cards issued by resident PSPs
Cards with a cash function
Geo 0

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L 352/40
EN
Official Journal of the European Union
24.12.2013
Number
Cards with a payment function (except cards with an e-money function only) Geo
0
of which:
Cards with a debit function
Geo 0
Cards with a delayed debit function Geo
0
Cards with a credit function
Geo 0
Cards with a debit and/or delayed debit function Geo
0
Cards with a credit and/or delayed debit function Geo
0
Cards with an e-money function Geo
0
Cards on which e-money can be stored directly Geo
0
Cards which give access to e-money stored on e-money accounts Geo
0
of which:
Cards with an e-money function which has been loaded at least once Geo
0
Total number of cards (irrespective of the number of functions on the card) Geo
0
of which:
Cards with a combined debit, cash and e-money function Geo
0
Table 3
Payment card accepting devices
(End of period, original units)
Number
Terminals provided by resident PSPs
ATMs
Geo 3
of which:
ATMs with a cash withdrawal function Geo
3
ATMs with a credit transfer function Geo
3
POS terminals
Geo 3
of which:
EFTPOS terminals
Geo 3
E-money card terminals
Geo 3
E-money card terminals
Geo 3
of which:
E-money card loading and unloading terminals Geo
3
E-money card accepting terminals Geo
3

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EN
24.12.2013 Official
Journal
of
the
European
Union L
352/41
Table 4
Payment transactions involving non-MFIs
(Total for the period; number of transactions in millions; value of transactions in EUR millions)
Sent Received
Number of
Value of
Number of
Value of
transactions
transactions
transactions
transactions
Transactions per type of payment service
Credit transfers Geo
3 Geo
3 Geo
2 Geo
2
Initiated in paper-based form Geo
1 Geo
1
Initiated electronically Geo
1 Geo
1
Initiated in a file/batch Geo
1 Geo
1
Initiated on a single payment basis Geo
1 Geo
1
of which:
Non-SEPA Geo
1 Geo
1
Direct debits Geo
3 Geo
3 Geo
2 Geo
2
Initiated in a file/batch Geo
1 Geo
1
Initiated on a single payment basis Geo
1 Geo
1
of which:
Non-SEPA Geo
1 Geo
1
Card payments with cards issued by resident PSPs (except
Geo 3 Geo
3
cards with an e-money function only)
Payments with cards with a debit function Geo
1 Geo
1
Payments with cards with a delayed debit function Geo
1 Geo
1
Payments with cards with a credit function Geo
1 Geo
1
Payments with cards with a debit and/or delayed debit
Geo 1 Geo
1
function
Payments with cards with a credit and/or delayed debit
Geo 1 Geo
1
function
Initiated at a physical EFTPOS Geo
1 Geo
1
Initiated remotely Geo
1 Geo
1
E-money payment transactions with e-money issued by
Geo 3 Geo
3 Geo
2 Geo
2
resident PSPs
With cards on which e-money can be stored directly Geo
1 Geo
1
With e-money accounts Geo
1 Geo
1
of which:
Accessed through a card Geo
1 Geo
1
Cheques Geo
3 Geo
3 Geo
2 Geo
2
Other payment services Geo
3 Geo
3 Geo
2 Geo
2
Total payment transactions involving non-MFIs Geo
3 Geo
3 Geo
2 Geo
2

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L 352/42
EN
Official Journal of the European Union
24.12.2013
Table 5
Payment transactions per type of terminal involving non-MFIs
(Total for the period; number of transactions in millions; value of transactions in EUR millions)
Number of
Value of
transactions
transactions
Transactions per type of terminal ( 1 )
(a) Transactions at terminals provided by resident PSPs with cards issued by
Geo 3 Geo
3
resident PSPs
of which:
ATM cash withdrawals (except e-money transactions) Geo
3 Geo
3
ATM cash deposits (except e-money transactions) Geo
3 Geo
3
POS transactions (except e-money transactions) Geo
3 Geo
3
E-money card loading and unloading transactions Geo
3 Geo
3
E-money payment transactions with cards with an e-money function Geo
3 Geo
3
(b) Transactions at terminals provided by resident PSPs with cards issued by
Geo 3 Geo
3
non-resident PSPs
of which:
ATM cash withdrawals (except e-money transactions) Geo
3 Geo
3
ATM cash deposits (except e-money transactions) Geo
3 Geo
3
POS transactions (except e-money transactions) Geo
3 Geo
3
E-money card loading and unloading transactions Geo
3 Geo
3
E-money payment transactions with cards with an e-money function Geo
3 Geo
3
(c) Transactions at terminals provided by non-resident PSPs with cards issued by
Geo 3 Geo
3
resident PSPs
of which:
ATM cash withdrawals (except e-money transactions) Geo
3 Geo
3
ATM cash deposits (except e-money transactions) Geo
3 Geo
3
POS transactions (except e-money transactions) Geo
3 Geo
3
E-money card loading and unloading transactions Geo
3 Geo
3
E-money payment transactions with cards with an e-money function Geo
3 Geo
3
( 1 ) The geographical (Geo) breakdowns are based on the location of the terminal.
Table 6
Participation in selected payment systems
(End of period, original units)
Number
Payment system (other than TARGET2)
Number of participants
Geo 1
Direct participants
Geo 1
Credit institutions
Geo 1

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EN
24.12.2013 Official
Journal
of
the
European
Union L
352/43
Number
Central bank
Geo 1
Other direct participants
Geo 1
Public administration
Geo 1
Clearing and settlement organisations Geo
1
Other financial institutions Geo
1
Others
Geo 1
Indirect participants
Geo 1
Table 7
Payments processed by selected payment systems
(Total for the period; number of transactions in millions; value of transactions in EUR millions)
Sent
Number of
Value of
transactions
transactions
Payment system (other than TARGET2)
Total transactions Geo
4 Geo
4
Credit transfers Geo
4 Geo
4
Initiated in paper-based form Geo
1 Geo
1
Initiated electronically Geo
1 Geo
1
Direct debits
Geo 4 Geo
4
Card payments Geo
4 Geo
4
ATM transactions (except e-money payment transactions) Geo
4 Geo
4
E-money payment transactions Geo
4 Geo
4
Cheques
Geo 4 Geo
4
Other payment services Geo
4 Geo
4
Concentration ratio Geo
1 Geo
1
Geographical breakdowns
Geo 0 Geo
1 Geo
2 Geo
3 Geo
4
Domestic
Domestic Domestic
and
Cross-border Single
country Domestic
cross-border
breakdowns for all
combined
Union countries
Cross-border
Rest of the world

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L 352/44
EN
Official Journal of the European Union
24.12.2013
ANNEX IV
MINIMUM STANDARDS TO BE APPLIED BY THE ACTUAL REPORTING POPULATION
Reporting agents must fulfil the following minimum standards to meet the European Central Bank’s (ECB’s) statistical
reporting requirements.
1. Minimum standards for transmission:
(a) reporting must be timely and within the deadlines set by the relevant NCB;
(b) statistical reports must take their form and format from the technical reporting requirements set by the relevant
NCB;
(c) the reporting agent must provide the details of one or more contact persons to the relevant NCB;
(d) the technical specifications for data transmission to the relevant NCBs must be followed.
2. Minimum standards for accuracy:
(a) statistical information must be correct: all linear constraints must be fulfilled (e.g. subtotals must add up to totals),
and data must be consistent across all frequencies;
(b) reporting agents must be able to provide information on the developments implied by the transmitted data;
(c) statistical information must be complete and must not contain continuous and structural gaps; existing gaps must
be acknowledged, explained to the relevant NCB and, where applicable, bridged as soon as possible;
(d) reporting agents must follow the rounding policy set by the relevant NCB for the technical transmission of the
data.
3. Minimum standards for compliance with concepts:
(a) statistical information must comply with the definitions and classifications contained in this Regulation;
(b) in the event of deviations from these definitions and classifications reporting agents must monitor and quantify the
difference between the measure used and the measure contained in this Regulation on a regular basis;
(c) reporting agents must be able to explain breaks in the transmitted data compared with the previous periods’
figures.
4. Minimum standards for revisions:
The revisions policy and procedures set by the ECB and the relevant NCB must be followed. Revisions deviating from
regular revisions must be accompanied by explanatory notes.

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Document Outline

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