promote the interoperability of card payments
ensure the development, evolution and use of common standards
protect the interests of its member organizations
nexo standards has been the very first organization to design and develop card payment messages based on ISO 20022 .
The delivery of universal standard and protocols messages ensure the interoperability of different equipment and payment systems, internationally.
nexo standards was established in 2014, when three historical contributors of card payment standards and specifications were merged: EPASOrg, the OSCar consortium and the CIR SEPA-Fast technical working group.
nexo standards is at the origin of the entire ISO 20022 standardization process for card payments and its membership base includes,
Acceptors, Processors, Card Schemes, Payment Service Providers and Vendors.
Promote the interoperability of card payment transactions – Through design and development of common card payment protocols; interoperability of components and systems through standardized protocol interfaces; adoption of a universal ISO procedure.
Ensure the development, evolution and use of common standards – Through involvement of all actors of the card payment value chain; adherence to a high level of security, notably through a universal ISO security syntax.
Strengthen the commitment to open, common and universal standards – Through adoption of ISO 20022 as the preferred universal way of developing worldwide standards.
By bringing together industry experts to develop open and common standards and implementation guidelines.
By designing innovative and state-of-the-art message formats based on the functional and security requirements of the industry.
By protecting key elements of the transaction value chain through secure cryptographic mechanisms.
By issuing royalty-free standards leading to an open market for card payments worldwide.
Develop and maintain common card acceptance standards protocols and specifications based on universal ISO accreditation
Common implementation guidelines to ensure full interoperability
Test cases and tools helping implementers to evaluate their compliance with specifications
Implementation thereby ensuring faster approval and deployment to market
The universal use of nexo standards and specifications
Users implementing nexo standards and specifications
"building the future of card payment harmonization
needs a team that together creates
efficient, consistent and interoperable standards"
Claude Brun, Chairman
|MARKET PAY (Carrefour Group)||Isabelle Clairac|
|GROUPE AUCHAN||Frédéric Jeannin|
|TOTAL MARKETING SERVICES||François Mezzina|
|ACCOR HOTEL SERVICES||Matthieu Le Louer|
|CONSORZIO BANCOMAT||Emiliano Anzellotti|
|EURO KARTENSYSTEME GMBH||Karl Matl|
|GROUPEMENT DES CARTES BANCAIRES||Dolorès Mimran|
|VISA EUROPE SERVICES INC||Agnes Revel|
|ACI WORLDWIDE||Sylvie Boucheron-Saunier|
|KORALA ASSOCIATES LIMITED (KAL)||Audrey Priami|
|SRC SECURITY RESEARCH & CONSULTING GMBH||Regine Quentmeier|
PAYMENT SERVICE PROVIDERS
|AMERICAN EXPRESS PAYMENT SERVICES||Jean Diacono|
|CREDIT MUTUEL||Claude Brun|
|POSTE ITALIANE||Antonio Bracaglia|
|CREDIT AGRICOLE CARDS AND PAYMENTS||Olivier Julou|
|FDR LTD||Steve Robinson|
|SIX PAYMENT SERVICES||Jaqueline Good Ziltener|
The Technical Steering Committee determines the Terms of Reference, the composition and the mandate duration of Working Groups.
Once a member of the nexo organization, businesses could get involved in one or as many working groups they wish to.
By getting involved in the working group, they could share their expertise and make sure protocols and specifications enhancement would meet the market needs.
Task Forces are created under the leadership and supervision of the relevant Working Group(s).
technical steering committee
Nexo Acquirer protocol
nexo Retailer protocol
nexo TMS protocol
nexo ATM protocol
nexo implementation specification
nexo fast specifications
Technical support group
A card payment standardization initiative covering the card payment and withdrawal value chain
A rather « young » organization inheriting the developments of 3 predecessor organizations
The OSCar project was launched in order to foster the development of SEPAwide POI solutions implementing:
The SEPA-FAST payment application specified by the CIR
The EPAS ISO20022 Acquirer / TMS protocol specified by EPASOrg
Packaged in the OSCar Integration Specification (OIS) as an efficientalternative to the legacy, country or scheme specific, POI payment solutions
SEPA-FAST for SEPA “Financial Application Specification for SCSVolume Compliant Terminals"
The aim of the SEPA-FAST Technical Working Group is to harmonized technical specifications for EMV implementations for any card-based paymentsystem.
Starting in 2007, the SEPA-FAST Technical Working Group working for the European Payments Council (EPC) Cards Working Group as Identified Initiative for the Card-to-Terminal and Cardholder-to-Terminal standardization domains. The Functional Requirements in the European Payments Council(EPC), SEPA Cards Standardization "Volume" are based on the inputof the SEPA-FAST Technical Working Group.
In 2005, at the initiative and under the coordination of Groupement des Cartes Bancaires (CB)in France, a group of card schemes, acquirers, retailers, and payment solution providers belong ingto the card payment value chain, set up a consortium to address the interaction between electronic payment terminals and other systems in the card transaction ecosystem. That group was the predecessor to what is now EPASOrg.
The consortium started by defining three main protocols to be used in a POI (Point of Interaction) environment:
The Acquirer protocol
The TMS protocol
The Retailer protocol
By fall 2005, the members of the consortium endorsed a Consortium Agreement,modelled on the framework of an Information Technology for European Advancement (ITEA) European research program. Over the next three years, work continued on the definition of the EPAS protocols, with an iterative revision process enabling state-of-the art technology and security requirements to be incorporated into the specifications.
From its inception, the EPAS initiative has developed its project with a clear aim to enable card payment industry stakeholders to benefit from the extensive expertise of the EPAS consortium and later EPASOrg in the implementation of concrete projects.