With the growing popularity of e-commerce via internet there is a trend towards cashless payments also in off-line commerce. Although online commerce today still takes place mainly within national borders, innovative e-payment solutions may facilitate cross-border online commerce by offering cross-border payment options. While the bulk of online commerce has settled for established payment methods, such as credit cards, direct debits or bank transfers, innovative e-payment solutions struggle for market shares. Any new e-payment solution must offer a clear value added over existing services on which they build on (e.g. increase safety, convenience) and keep the interests of merchants and online buyers in balance. Innovative payments will therefore also be impacted by SEPA. Ultimately, a few innovative e-payment options will reach a critical mass across Europe. For further information please refer to our Briefing Paper.