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about the smart payment association




The Smart Payment Association (SPA) is the trade body of the cards and mobile payments industry.



SPA addresses the challenges of a fast-evolving payment ecosystem, promoting innovation, security and interoperability of payment instruments. SPA works closely with regulators and standardization bodies, offering leadership and expert guidance to help its members and their customers adopt new payment technologies of today and tomorrow.


The SPA is a non-economical* organization, founded in 2004 by the world’s leading secure payment technology providers. Its membership represents the complete card issuance value chain; from card manufacturers, through operating system and application developers, to personalization and post issuance companies.


The combined Smart Payment Association members’ substantial experience and knowledge of the payment smart card market has led to its position as expert advisor.  By bridging the gap between the traditional methods of payment and the new generation of payment technologies, the SPA provides the commercial and technology leadership to ensure payment remains secure and interoperable, both now and for the future.


*Terms of § 21 of the BGB (German Civil Code)