Answer Pay tackles the growing bill payment crisis in Europe with SEPA Request to Pay

businessman checking bills

LEEDS, UK—Answer Pay, a payment as a service provider, is connecting to EBA CLEARING’s R2P messaging system to offer SEPA Request to Pay bill payment services that aims to help with the bill payment crisis across Europe.


Answer Pay Ltd

12th April 2022, 09:00 am GMT

Answer Pay is setting up this connection with the leading pan-European payment infrastructure provider, EBA Clearing, so that European banks too can leverage pre-built solutions and quickly set up their Request to Pay services.

Request to Pay is a new messaging protocol that makes bill payments safer and simpler for consumers. It moves the industry away from unsafe ‘pay by link’ methods to augment digital payments through banking apps for mobile, SMS and email. It creates a two-way dialogue between bill payers and suppliers, often essential for financially vulnerable consumers. The Request to Pay solution is primarily aimed at utility providers, councils and government departments but could equally work for any business or individual dealing with large numbers of customers paying regular amounts.

Answer Pay’s platform for the implementation of Request for Pay delivers:

  • Safer bill payment by mobile banking apps
  • Control over when and how to pay (for payers)
  • Reliable, lower-cost settlement and no cash or cheques for billers

Petra Plompen, R2P Programme Manager and responsible for new initiatives at EBA CLEARING says, “We launched our R2P messaging service in 2021 thanks to funding from 27 leading banks across 11 countries and based on the SEPA Request-to-Pays Scheme of the European Payments Council. It enables service providers to develop innovative solutions for billers and consumers while relying on Europe-wide standards, rules and infrastructure. We look forward to seeing first propositions emerge over the next year and think that experienced technical providers like Answer Pay—with a track-record in delivering Request to Pay implementations—can play an important role in this.”

Advantages of a Payments-as-a-Service Approach

Our payments-as-a-service platform provides connectivity to both SEPA Request to Pay and Pay.UK’s Request to Pay.  The value of this is that it abstracts the complexity of building and maintaining a Request to Pay service, empowering banks and payment service providers to instead focus on creating a compelling user experience.  At a time of a growing bill payment crisis,  there is an urgent need for flexible payment services, getting up and running quickly is a key concern for many businesses.

Answer Pay Chairman, Mike Chambers, says—“Banks and payment providers want to build compelling and differentiated services.  This can be constrained by the reality of big bank roadmaps and funding commitments.  We’re able to remove these obstacles and get them set up quickly with SEPA Request to Pay on EBA CLEARING’s R2P infrastructure.” 

Right time, right place for Request to Pay

In the first months of 2022, Europe has seen a widespread increase in living costs, which led to millions of people encountering bill payment issues.  Options such as Direct Debit and pre-paid meters work for some but, for others, these payment methods are seen as inflexible and costly.

Whilst few could have predicted the current economic climate, there does seem to be a right time, right place for Request to Pay owing to its winning combination of ease of use, combined with payment flexibility.

About Answer Pay

Answer Pay secures bill payments in banking apps.  Our certified “Payments as a Service” platform connects banks to Request to Pay, the new messaging standard for experience-rich payments. Complementing existing payment infrastructure, it gives payees the ability to request a payment and send an invoice using their corporate bank interface. Payers can then aggregate and control when and how each request is paid using their retail bank app.


Placing financial institutions at the centre of the bill payment experience ensures end to end bank grade security. However, it isn’t always easy for banks to bring differentiated services to market. Our API based access removes the technology challenges so banks can maximise their revenue opportunity.  For more information, please visit



Answer Pay Ltd

Union Mills, 9 Dewsbury Rd, Leeds LS11 5DD, United Kingdom

Tel: 0113 201 0600


Media and Press Contacts:

Francesca Manley