25 November 2025
Accessibility and the Payment Industry – An SPA Position Paper – November 2025
Regulatory Context Across Europe, accessibility is becoming a defining feature of how products and services are des...
Publications
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23 October 2025
Digital Identity Wallet for Payments – A joint paper by Smart Payment Association and Secure Identity Alliance – October 2025
Digital Identity Meets Payments: Promise, Pitfalls, and the Pragmatic Path Forward As Europe advances toward deploy...
23 November 2024
THE DIGITAL OPERATIONAL RESILIENCE ACT (DORA) SPA’s Position on Physical Payment Card Personalization – November 2024
The Digital Operational Resilience Act (“DORA”) has been released to achieve a harmonized high level of cyber-resil...
23 November 2024
The Cyber Resilience Act (CRA) in the light of existing payment card certifications – November 2024
Introducing cybersecurity by design and by default principles into digital products, the Cyber Resilience Act (CRA)...
23 March 2024
The key EU Digital Markets Act (DMA) changes set to impact the payments industry. An SPA Insight – March 2024
The Digital Markets Act (DMA) places new obligations on ‘gatekeepers’ that offer core platform services to business...
23 July 2023
Payment Card Sustainability – Learnings from the new 2023 Payment Card Collection and Recycling Report – July 2023
Last year, Smart Payment Association (SPA) launched a pioneering new research and education work program designed t...
23 June 2023
Phasing out Magstripe: the need for collaboration and conversation – June 2023
With the magstripe set to disappear from millions of new payment cards by the end of the decade, SPA looks at the p...
23 January 2023
Cyber Resilience Act (CRA) – SPA’s Response to the EC Consultation – January 2023
Introducing cybersecurity by design and by default principles into digital products, the proposed EU Cyber Resilien...
23 October 2022
The Security of Card Payment Systems in a Post-Quantum World – October 2022
Quantum computers have the potential to break cryptographic schemes, such as Rivest–Shamir–Adleman (RSA) and Ellipt...
23 January 2022
Eco-Friendly Payment Cards: Putting Sustainability at the Heart of Payment – January 2022
Even before the Covid-19 pandemic began, investors, regulators and banks had already started linking sustainability...
23 December 2021
BIOMETRIC PAYMENT CARDS – The Next Evolution in Secure Contactless Transactions – An SPA paper – December 2021
Back in 2013, the Smart Payment Association (SPA) published a vision paper setting out the guiding principles, spec...
23 October 2021
EBA Guidelines on Outsourcing and PCI CPP – An SPA Analysis – October 2021
In February 2019, the European Banking Authority (EBA) published the revised EBA Guidelines on outsourcing arrangem...