The term “Payment Service Providers” is used differently in different countries. In some countries, it implies a firm that provides payment services which is not a bank (non-bank PSPs); in other jurisdictions or schemes (such as SEPA) it is used inclusively to apply to all institutions that provide payment services, including bank and non-banks. Some IPSs allow non-banks to be members, while others do not. For simplicity, in this blueprint we use “banks” to refer to all IPS members, including non-bank PSPs.