About us | nexo standards

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 Vision

To simplify how payment acceptance is implemented everywhere.

Nexo Mission

As a community of leading payment experts, our mission is to define, publish and promote global payment acceptance standards and supporting services.

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

nexo organisation

Governance

Jacques

Soussana

nexo standards

Secretary-General
nexo standards

Linkedin account

Jean-Philippe

Joliveau

Nexi Payments

CHAIRMAN OF THE BOARD OF DIRECTORS AND TREASURER

Linkedin account

François

Mezzina

TOTALENERGIES

Chairman
of the General Assembly
nexo standards

Board of Directors

ACCEPTORS

TOTALENERGIES	François MEZZINA
MARKET PAY	Grzegorz JAGLARSKI

VENDORS

CASTLES TECHNOLOGY	Jean-Philippe NIEDERGANG
FRENCHSYS	Dolorès MIMRAN
SRC GMBH	Regine QUENTMEIER
VERIFONE SYSTEM FRANCE SAS	Guillaume BROUTART
HPS WORLDWIDE	Pierre-Olivier SAINT-JOANIS

CARDS SCHEMES

DISCOVER	Leigh GARNER
EURO KARTENSYSTEME GMBH	Peter BLASCHE
MASTERCARD	Laurent BRÉCHON-CORNERY
UNIONPAY INTERNATIONAL CO. LTD.	Shengliang YANG
VISA	Seema SHARMA

PAYMENT SERVICE PROVIDERS

BNP PARIBAS	Massimo CICARDO
CAISSE FÉDÉRALE DE CREDIT MUTUEL	Thierry MUCKENSTURM
CREDIT AGRICOLE PAYMENTS SERVICES	Harris MONTEIRO DA SILVA
BPCE PAYMENT SERVICES	Fabrice DENÈLE

PROCESSORS

FIME	Arnaud CROUZET
FISERV	Lucian LAURITZ
NEXI PAYMENTS	Jean-Philippe JOLIVEAU
WORLDLINE NV/SA	Khalil KAMMOUN
INGENICO	Arnaud LUCIEN

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 Initiated Payment Acceptance

Developing Mobile Acceptance Specifications

Strategic Working Group

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

BPCE PAYMENT SERVICES

CAISSE FÉDÉRALE DE CRÉDIT MUTUEL

Castles Technology Co., Ltd

CREDIT AGRICOLE PAYMENT SERVICES

CRÉDIT MUTUEL ARKEA

DISCOVER FINANCIAL SERVICES

EURO KARTENSYSTEME GMBH

FIME

FISERV

FRENCHSYS

GIE Cartes Bancaires

GIM-UEMOA

HPS

Ingenico

JCB INTERNATIONAL (EUROPE) LTD.

MARKET PAY

MASTERCARD

NCR Atleos

Nepting

Nexi Payments

PAN NORDIC CARD ASSOCIATION

POSTE ITALIANE

Saudi Payments

SRC GmbH

TOTALENERGIES

UNIONPAY INTERNATIONAL CO. LTD.

VERIFONE SYSTEMS FRANCE SAS

VISA

WORLDLINE NV/SA

Associate members

ACCEO SOLUTIONS

ACI WORLDWIDE

ADSNET

Adyen

AEVI

AFSOL

AMADIS

Auriga Spa

BANQUE EDEL

BARCLAYCARD INTERNATIONAL

Bluefin Payment Systems Austria GmbH

cetecom advanced GmbH

CONECS

DIEBOLD NIXDORF

ELITT

epay Euronet

Famoco

FEITIAN Technologies Co., Ltd

FIS GLOBAL

FLOWBIRD GROUP

GALITT

GIMAC

Girmiti Software Pvt. Ltd.

H&M Group

HITACHI CHANNEL SOLUTIONS, CORP.

Iliad Solutions Ltd.

INFOMIL

Interac

JPMorgan Chase

Korala Associates Limited

LAVEGO AG

Logiciels Colossale Inc.

LUSIS

MADIC INDUSTRIES

Monext

Moneycore

MWC Partners Limited

NearPay

Newland Payment Technology

NOVELPAY SP. Z O.O.

OPENWAY EUROPE S.A.

Partelya Consulting

PAYCERT

PayTec AG

POSPARTNER GMBH

REDSYS SERVICIOS DE PROCESAMIENTO SL

SALZBURGER BANKEN SOFTWARE

Schwarz IT KG (SIT)

SMART4INVEST

Spectra Technologies

STET

SUNMI TECHNOLOGY

SYNAFORCE GMBH

Thales DIS FRANCE S.A.

Transaction Network Services (TNS)

VÖB-ZVD PROCESSING GMBH

Wiseasy Technology Pte. Ltd

wizarPOS International Co., Ltd

Observers

BANCONTACT PAYCONIQ COMPANY NV/SA

CCV Group B.V.

FEIG ELECTRONIC GmbH

global payments SPA

ISTIUM

Leixem Africa

Paragon Applications Systems

Silverflow

Smart Consulting

Société Maghrébine de Monétique - S2M

SOPRA BANKING SOFTWARE

switstack

Wipay

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 stands for SEPA-“Financial Application Specification for SCS Volume Compliant Terminals".

The aim of the SEPA-FAST Technical Working Group is to harmonize technical specifications for EMV implementations for any card-based payment system.

In 2007, the SEPA-FAST Technical Working Group started working for the European Payments Council (EPC) Cards Working Group as the Identified Initiative for the Card-to-Terminal and Cardholder-to-Terminal standardization domains. The SEPA-FAST Technical Working Group contributed to the Functional Requirements in the SEPA Cards Standardisation Volume, managed by the European Payments Stakeholders Group (EPSG).

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.