About us

Nexo standards

nexo standards enables fast, interoperable and borderless payments acceptance by standardising the exchange of payment acceptance data between merchants, acquirers, payment service providers and other payment stakeholders. nexo’s messaging protocols and specifications adhere to ISO20022 standards, are universally applicable and are freely available globally.

nexo standards is an open, global association dedicated to removing the barriers present in today’s fragmented global payment acceptance ecosystem. Headquartered in Brussels, its members represent the full spectrum of payments stakeholders, including acceptors, processors, schemes, payment service providers and vendors.

Our Philosophy: WORKING ON BEHALF OF ALL PAYMENT ACCEPTANCE STAKEHOLDERS

nexo standards has been the very first organization to design and develop payment acceptance 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 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 payments acceptance and its membership base includes,
Acceptors, Processors, Schemes, Payment Service Providers and Vendors.

Nexo Mission

nexo’ mission is to develop, maintain and promote standards for payments’ acceptance:

Basing these developments on ISO standards guidelines, methodology and ISO 20022 protocols;

Developing specifications, guides, use cases and test cases thanks to the collaboration of market experts from the ecosystem of its membership;

Supporting the use, implementation and deployment of these specifications and protocols;

Promoting these specifications and protocols to all stakeholders in the payments ecosystem, influencers and regulators and other international standardization and payment organizations.

Our Value

INTEROPERABILITY
By bringing together industry experts to develop open and common standards and implementation guidelines.

INNOVATION
By designing innovative and state-of-the-art message formats based on the functional and security requirements of the industry.

SECURITY
By protecting key elements of the transaction value chain through secure cryptographic mechanisms.

UNIVERSALITY
By issuing royalty-free standards leading to a worldwide payment acceptance open market.

Our Commitments

TO DESIGN
Develop and maintain common payment acceptance standards protocols and specifications based on universal ISO accreditation

TO DELIVER
Common implementation guidelines to ensure full interoperability

TO PROVIDE
Test cases and tools helping implementers to evaluate their compliance with specifications

TO VALIDATE
Implementation thereby ensuring faster approval and deployment to market

TO PROMOTE
The universal use of nexo standards and specifications

TO SUPPORT
Users implementing nexo standards and specifications

"Towards global standards for payment acceptance,
nexo brings together committed members and stakeholders
to provide open and interoperable international specifications"

Patrice Hertzog, Chairman of the Board of Directors

nexo organisation

Governance

Yann

Leclerc

MARKET PAY

Chairman
of the General Assembly
nexo standards

Patrice

Hertzog

CAISSE FÉDÉRALE DE CRÉDIT MUTUEL

Chairman
of the Board of Directors
nexo standards

Jacques

Soussana

Secretary-General
nexo standards

Linkedin account

Jean-Philippe

Joliveau

SIA SPA

TREASURER
nexo standards

Linkedin account

Board of Directors

ACCEPTORS

MARKET PAY	Yann LECLERC
TOTALENERGIES	François MEZZINA

VENDORS

FRENCHSYS	Dolorès MIMRAN
HPS WORLDWIDE	Philippe VIGAND
SRC GMBH	Regine QUENTMEIER
VERIFONE SYSTEM FRANCE SAS	Guillaume BROUTART

CARDS SCHEMES

DISCOVER	Leigh GARNER
EURO KARTENSYSTEME GMBH	Karl MATL
MASTERCARD	Laurent BRÉCHON-CORNERY
UNIONPAY INTERNATIONAL CO. LTD.	Shengliang YANG
VISA	Agnès REVEL

PAYMENT SERVICE PROVIDERS

AMERICAN EXPRESS PAYMENT EUROPE S.L.	Clément MOUNIER
BNP PARIBAS	Massimo CICARDO
CAISSE FÉDÉRALE DE CREDIT MUTUEL	Patrice HERTZOG
CREDIT AGRICOLE PAYMENTS SERVICES	Harris MONTEIRO DA SILVA
NATIXIS PAYMENT SOLUTIONS	Fabrice DENÈLE

PROCESSORS

FIME	Arnaud CROUZET
FISERV	Lucian LAURITZ
SIA SPA	Jean-Philippe JOLIVEAU
WORLDLINE NV/SA	Khalil KAMMOUN

GET INVOLVED IN DESIGNING CARD PAYMENT INTEROPERABILITY IN OUR WORKING GROUPS

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

supervising all working groups

Nexo Acquirer protocol

Acceptor-to-acquirer protocol enhancements

nexo Retailer protocol

ECR-to-POI protocol enhancements

nexo TMS protocol

TMS-to-POI protocol enhancements

nexo ATM protocol

ATM protocol enhancements

nexo implementation specification

implementation specifications and test cases

nexo fast specifications

DEVELOPING POI SPECIFICATIONS

Technical support group

MANAGING CHANGE REQUEST AND SUPPORT

Mobile Acceptance

Developing Mobile Acceptance Specifications

Strategic Committee

Propose strategic evolutions of the protocols / specifications

Operational Committee

Advisory committee to the Board

Marketing and Communication

Manage Marketing, Communications & Events

Principal members

AMERICAN EXPRESS PAYMENT EUROPE S.L.

Ant Group Co.,Ltd

BNP Paribas

CAISSE FÉDÉRALE DE CRÉDIT MUTUEL

CREDIT AGRICOLE PAYMENT SERVICES

CRÉDIT MUTUEL ARKEA

DISCOVER FINANCIAL SERVICES

EURO KARTENSYSTEME GMBH

FIME

FISERV

FRENCHSYS

GIE Cartes Bancaires

HPS

JCB INTERNATIONAL (EUROPE) LTD.

MARKET PAY

MASTERCARD

NATIONAL PAYMENT CARD SYSTEM JOINT STOCK COMPANY

NATIXIS PAYMENT SOLUTIONS

NCR

PAN NORDIC CARD ASSOCIATION

POSTE ITALIANE

Saudi Payments

SIA SPA

SRC GmbH

TOTALENERGIES

UNIONPAY INTERNATIONAL CO. LTD.

VERIFONE SYSTEMS FRANCE SAS

VISA

WORLDLINE NV/SA

Associate members

ACCEO SOLUTIONS

ACI WORLDWIDE

Adyen

AEVI

AMADIS

Auriga Spa

BANQUE EDEL

BARCLAYCARD INTERNATIONAL

Castles Technology Co., Ltd

CONECS

CTC Advanced GMBH

DIEBOLD NIXDORF

Elavon MERCHANT SERVICES

ELITT

epay Euronet

FIS

FLOWBIRD GROUP

GALITT

Girmiti Software Pvt. Ltd.

HITACHI-OMRON TERMINAL SOLUTIONS

INFOMIL

Interac Association

ITECON FINANCIAL IT-SERVICES GMBH

Korala Associates Limited

LAFON

Lyf SAS

LYRA NETWORK

Monext

Moneycore

MWC Partners Limited

Nepting

NOVELPAY SP. Z O.O.

OPENWAY EUROPE S.A.

Partelya Consulting

PAYCERT

PayTec AG

POSPARTNER GESELLSCHAFT GMBH

PSD Codax Ltd

PW Consultant

REDSYS SERVICIOS DE PROCESAMIENTO SL

SALZBURGER BANKEN SOFTWARE

Schwarz IT KG (SIT)

SOPRA BANKING SOFTWARE

STET

Stripe Technology Europe Limited

Subway

SUNMI TECHNOLOGY

TECS GMBH

Thales DIS FRANCE S.A.

VÖB-ZVD PROCESSING GMBH

Observers

AFSOL

BANCONTACT PAYCONIQ COMPANY NV/SA

BBPOS

CCV Group B.V.

FEIG ELECTRONIC GmbH

global payments SPA

ISTIUM

LAVEGO AG

LUSIS

PPI France

Société Maghrébine de Monétique - S2M

YELLO

Zucchetti Switzerland SA

nexo standards: What’s behind the name

nexo standards is the association dedicated to removing the barriers present in today’s fragmented global payment acceptance ecosystem.

It enables fast, borderless and global payments acceptance by standardizing the exchange of data between all payment acceptance stakeholders. nexo is a not-for-profit, open association; its membership represents the full spectrum of payment stakeholders including merchants and other payment acceptors, processors, card schemes, payment service providers and vendors.

An organization inheriting the developments of 3 predecessor organizations

OSCar – Open Standards for Cards

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

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 input of the SEPA-FAST Technical Working Group.

EPAS.org

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.