Member States have got until 1 November 2009 to implement the new Payment Services Directive, recently published in the Official Journal. This new Directive aims to make cross-border electronic payments (i.e. credit transfers, direct debits and card payments) easier, more efficient and as secure as payments made within a Member State. It also envisages the creation of the Single Euro Payments Area, which will help to facilitate these cross-border electronic payments. Once the provisions have been implemented, euro or domestic electronic payments should be completed in one day and a cross-border direct debit scheme will be established.