An e-Payment Component is an architectural building block of the EIRA Technical view - infrastructure supporting the Technical interoperability layer of the European Interoperability Framework.
It is included in the Enabler grouping Infrastructure Financial Transaction Enablers.

e-Payment Component is a specialisation of Application Component that provides e-Payment Service . It implements the functionality of executing payment transactions where the consent of the payer to execute a payment transaction is given by means of any telecommunication, digital or IT device.

Source: Directive 2007/64/EC

The e-Payment Component ABB  is salient for technical interoperability because it provides the implementation of functionalities of executing payment transactions.


OpenACH is the world's first free, open-source, secure web-based ACH origination and payment processing platform.
ACH stands for "Automated Clearing House" and is a term that can be used very loosely in the banking and business industries. An originator is a business or organization initiating a transaction, either credit or debit.
OpenACH is several things:

  • An open source (GPLv3) ACH payment platform, written in PHP using Postgresql
  • An easy to use ACH payment gateway, using REST and JSON to put payments on the ACH network
  • A BYOB (Bring Your Own Bank) ACH processing platform
  • A third-party ACH originator, processing your payments on your behalf

The latest release of the EIRA© is available on Joinup.

Source: European Interoperability Reference Architecture (EIRA version 3) (url) (with information on the 3rd release at the website of the ISA² - Interoperability solutions for public administrations, businesses and citizens).