How issuers can benfit from participation in EAPS

Increase Co-branding options

EAPS places no restriction on co-branding. Issuers can co-brand on the basis of their market segmentation model, reflecting their business needs and giving them more choice on how they brand their cards.

Increase card acceptance

EAPS provides the same acceptance level for all EAPS cards in each participating country as the respective domestic scheme.  Merchants that only accept the participating national card scheme will also accept all EAPS cards.

Improved business case

EAPS provides card issuers with an attractive business model which is in compliance with the relevant European regulations on competition.

Low scheme fees

EAPS is committed to being a highly sufficient payment scheme with very low scheme fees.  EAPS does not promote itself through advertising or sponsorships, thereby minimizing the costs to its participating members.

Choice of processors

EAPS does not offer any processing service, thereby enabling issuers to select the processor of their choice – consistent with their business model.

European governance

EAPS is a European organisation based in Brussels, governed by its participating schemes and reflecting both the issuing and the acquiring sides of the card business.