A New Era for Cashless Payments: Introducing SEPN

As digital payments continue to surge, the pressure to secure every transaction becomes more intense. SEPN (Secure EFTPOS Network), powered by SCION technology, answers this challenge by offering a next-generation payment infrastructure designed to protect, optimize, and future-proof cashless payments.

Why SEPN Matters

Modern payment networks face a multitude of threats:

• Advanced cyber‑attacks targeting payment flows and routing paths
• Fraud and unauthorized transactions via account takeovers
• Rising security costs to maintain robust defenses

SEPN addresses these challenges head-on by combining the accessibility of the public Internet with the resilience and isolation of private networks, ensuring every transaction is protected from sophisticated threats.

Built on SCION: Resilience & Security by Design

At the heart of SEPN is the SCION-based architecture, invented by ETH Zurich, which delivers:

• Complete network control: choose providers, adjust routing paths, manage data flow
• Security-first design: eliminates traditional vulnerabilities with cryptographic safeguards
• Always-on reliability: decentralized and resilient—even during disruptions
• Optimized performance: low latency, minimal jitter, and increased transaction reliability

From EFTPOS to E-Commerce: SEPN’s Versatile Reach

SEPN is built to facilitate any-to-any communication across all cashless payment channels—from Point of Sale (POS) systems to e-commerce platforms. Its tamper-proof, high-performance and resilient backbone connects all participants in the payment ecosystem seamlessly and securely.

Founding Members: A Strong Technical Alliance

The success of SEPN is rooted in collaboration. The Technical Cooperation ep2 was one of the founding members, bringing decades of expertise in secure payment standards and interoperability. This partnership ensures that SEPN aligns with industry best practices while driving innovation in payment security.

How to Join the SEPN Revolution

Implementing SEPN involves a simple three-step process:

• Gather Information
  Reach out to SEPN to learn about regulations, costs, and service providers at pm@sepn.ch.
• Choose a Provider
  Evaluate offers and choose the provider that best aligns with your needs for physical SCION-based SEPN access.
• Get Certified
  Obtain accreditation and a security certificate from SEPN at certificate@sepn.ch to gain logical access to their cryptographically protected network.

Why You Should Care

For merchants, issuers, schemes, acquirers and payment service providers (PSP) alike, joining SEPN means tapping into a robust, secure, and efficient payment network. With the rising complexity of digital threats, SEPN offers a future-proof infrastructure that safeguards both your business and your customers—without compromising performance or reliability.

Step into the future of secure cashless payments with SEPN. Ready to elevate your payment security? Reach out today.