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Electric Vehicle Charging Open Payment Framework with ISO 15118

Electric Vehicle Charging Open Payment Framework with ISO 15118

Publication Date: February 2021

The adoption of electric vehicles (EVs) worldwide is a significant event on a par with other rapid technology innovations, such as the internet and mobile computing.  Although the EV charging infrastructure is technologically immature in many respects, deployment is approaching mass penetration.

This white paper outlines outlining a path to an open payment infrastructure for paying for EV charging. Today, drivers must set up an account or membership with each charge point operator (CPO) to charge at their station. With at least 10 EV CPOs and over 20,000 charging stations in North America, an open payment infrastructure can greatly improve the user experience from one station to the next.

The white paper, “Electric Vehicle Charging Open Payment Framework with ISO 15118,” is available for download at

Widespread implementation of chip card technology, mobile device payment and tokenization provides a foundation on which to deploy easy-to-use, secure open payments technology into future EVs. Using the ISO 15118 Vehicle-to-Grid communication standard, which is already supported by multiple EV manufacturers and CPOs, the proposed approach will enable drivers to charge their electric vehicles with ease.

The automotive and payment industry as well as policy makers are encouraged to work together to further define this approach. This white paper provides:

  • An overview of EV charging and use cases
  • Insight into challenges to EV charging payments
  • A summary of the fundamentals of ISO 15118 and EMV payment technology
  • A proposed framework for secure open payments for EV charging
  • Discussion on the considerations and benefits of open payments for EV charging
  • A call to action to industry stakeholders to participate in a cross-industry discussion to assess what is needed to support the proposed open payments framework.

About this White Paper

This white paper was developed by the Secure Technology Alliance Payments Council to propose a framework for supporting open payment for electric vehicle charging when ISO 15118 is implemented.  Secure Technology Alliance members and guests who contributed to the white paper included: American Express; Barnes International; Discover Financial Services; Dual Auth; Federal Reserve Bank of Atlanta – Retail Payments Office; Giesecke+Devrient; Hubject; IDEMIA; Infineon Technologies; Ingenico, a Worldline brand; Mastercard; Multos International; NCR; NXP Semiconductors; Underwriters Laboratories (UL); Visa; Worldpay from FIS.