On October 26, 2017 the European Payments Council (EPC) published a consultation on the mobile contactless SEPA card payments implementation interoperability guidelines (MCP IIGs).
The MCP IIGs were previously updated in 2011; however, since then technology has developed significantly, and the use of mobile phones as a payment instrument has increased too, and a considerable update was needed to reflect new technologies and regulations.
The key updates are:
Extended guidelines for new technical solutions:
Cloud-based HCE (Host Card Emulation – a software architecture that allows the emulation of a contactless card on a mobile device).