promote the interoperability of payments acceptance
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 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 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.
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 a worldwide payment acceptance open market.
Develop and maintain common payment 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
"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
|MARKET PAY||Isabelle CLAIRAC|
|CASTLES TECHNOLOGY||Jean-Philippe NIEDERGANG|
|SRC GMBH||Regine QUENTMEIER|
|VERIFONE SYSTEM FRANCE SAS||Guillaume BROUTART|
|HPS WORLDWIDE||Pierre-Olivier SAINT-JOANIS|
|EURO KARTENSYSTEME GMBH||Oliver HOMMEL|
|UNIONPAY INTERNATIONAL CO. LTD.||Shengliang YANG|
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|
|BPCE PAYMENT SERVICES||Fabrice DENÈLE|
|NEXI PAYMENTS||Jean-Philippe JOLIVEAU|
|WORLDLINE NV/SA||Khalil KAMMOUN|
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
Marketing and Communication
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
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 input of 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.