欧洲五大支付集团联手组建跨境支付网络

欧洲五大支付集团宣布组建欧洲支付网络公司，以期削弱该地区对美国支付巨头的依赖。1这一联合企业由Bancomat、Bizum、EPI Company/Wero、SIBS-MB WAY和Vipps MobilePay五家创始成员组成，总部设在马德里。1该网络目前服务130万用户，覆盖13个欧洲国家，占欧盟及挪威人口70%以上。1

通过建立共同技术层连接各国现有支付系统，这一合作旨在推进欧洲支付主权建设。1欧洲支付倡议首席执行官Martina Weimert指出，碎片化长期以来是"最大障碍"。1该项目将分阶段推出，从跨境个人转账开始，随后扩展到电商和零售点交易。1这一举措也可与欧洲央行计划于2029年推出的数字欧元相辅相成。1

Five major European payment systems have established a joint venture to create a unified payments network, marking a significant move toward reducing the continent's reliance on US-dominated card schemes.1 The newly formed European Network for Payments will serve 1.3 million users across 13 European countries, representing over 70 percent of the European Union and Norway's population.1

The founding members of this initiative include Bancomat, Bizum, EPI Company/Wero, SIBS-MB WAY, and Vipps MobilePay.1 Headquartered in Madrid, the venture will connect existing national payment systems through a common technological layer, enabling seamless cross-border transactions while maintaining each system's independence.1 According to Martina Weimert, chief executive of the European Payments Initiative, fragmentation has long represented the "biggest obstacle" to European payment sovereignty.1

The network will launch in phases, beginning with cross-border personal transfers before expanding to e-commerce and retail point-of-sale transactions.1 This development aligns with the European Central Bank's plans to introduce a digital euro by 2029, which could complement the initiative.1