New EV Charging Standard Unifies Payment Systems and Protocols

New EV charging interoperability standard integrates payment systems and protocols, enabling Plug & Charge functionality and cross-network compatibility through ISO 15118 standards and EMV payment integration.

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Global EV Charging Interoperability Standard Published

The electric vehicle industry has reached a critical milestone with the publication of a comprehensive interoperability standard that promises to revolutionize how drivers charge their vehicles. The new framework, centered around ISO 15118 standards, addresses long-standing fragmentation in payment systems, charging protocols, and operator alignment that has plagued EV adoption worldwide.

The Plug & Charge Revolution

At the heart of the new standard is ISO 15118, an international communication protocol that enables 'Plug & Charge' functionality. This technology allows electric vehicles to automatically authenticate and authorize payments when connected to compatible charging stations, eliminating the need for RFID cards, mobile apps, or manual payment processes. 'This is the game-changer we've been waiting for,' says industry analyst Maria Chen. 'Drivers will finally experience the simplicity they've been promised - just plug in and walk away, with everything handled automatically.'

The standard establishes a secure protocol between EVs and charging stations using digital certificates and encrypted communication. When a compatible EV is plugged in, it performs a cryptographic handshake with the charging station, automatically identifying the vehicle, authenticating the driver's payment method, and initiating the charging session.

Payment System Integration

One of the most significant breakthroughs is the integration of EMV®-based open payment methods with ISO 15118's Plug & Charge technology. A joint project between CharIN and EMVCo has created a framework that allows drivers to use familiar payment methods like contactless cards and mobile wallets alongside automated vehicle authentication.

'We're bridging the fragmented payment landscape that has confused EV drivers for years,' explains payment systems expert David Rodriguez. 'Now drivers can choose between automated vehicle-based payments or traditional payment methods at the same charging station.'

This integration addresses the current patchwork where some charging stations accept cards, others require proprietary apps, and some use manufacturer-specific plug-and-charge systems. The new standard creates a unified approach that supports multiple payment options while maintaining security and convenience.

Regulatory Mandates Driving Adoption

The European Union has taken a leadership role in mandating these standards through Delegated Regulation (EU) 2025/656. Starting January 8, 2026, all newly installed or refurbished public AC and DC charging stations must comply with EN ISO 15118-1 to -5 standards. From January 1, 2027, compliance with EN ISO 15118-20 becomes mandatory for all new and upgraded stations.

These regulations standardize connectors (Type 2 for AC chargers and Combo 2/CCS2 for DC chargers) and require advanced features like bidirectional charging capabilities. 'The EU's regulatory framework creates certainty for manufacturers and operators,' notes regulatory affairs director Sophie Laurent. 'We now have a clear timeline for implementation that will create a uniform charging network across Europe.'

Similar movements are underway in the United States through the National Electric Vehicle Infrastructure (NEVI) program and in China through various pilot projects, creating global momentum for standardized charging infrastructure.

Operator Alignment and Industry Collaboration

The new standard also addresses operator alignment challenges that have hindered cross-network charging. Protocols like OCPP (Open Charge Point Protocol) for station-to-backend communication, OCPI (Open Charge Point Interface) for roaming between networks, and OCHP (Open Clearing House Protocol) for centralized operations are now integrated into a cohesive framework.

Major industry players including Mastercard, charge point operators, and automotive manufacturers are collaborating to implement these standards. 'We're seeing unprecedented cooperation across traditionally competitive sectors,' observes industry consultant James Wilson. 'Everyone recognizes that interoperability benefits the entire ecosystem and accelerates EV adoption.'

Mastercard's efforts to establish common standards and open-loop payment systems mirror successful models from contactless transit payments, creating familiar, secure payment experiences for EV drivers.

Technical Advancements and Future Capabilities

ISO 15118-20, the latest version of the standard, introduces several advanced capabilities including:

  • Bidirectional charging (Vehicle-to-Grid/V2G and Vehicle-to-Home/V2H)
  • Wireless charging communication protocols
  • Enhanced security features
  • Automated connection management

These features enable EVs to become grid assets, potentially providing stability services and allowing homeowners with solar panels to optimize their energy usage. 'We're not just standardizing today's charging - we're building the foundation for tomorrow's smart energy systems,' says technical lead Anika Sharma.

Implementation Challenges and Timeline

While the standard has been published, implementation faces several challenges. Many existing EVs and charging stations don't yet support ISO 15118, requiring hardware and software upgrades. The global EV fleet is projected to reach approximately 40 million units by the end of 2025, creating urgency for backward compatibility solutions.

Industry experts estimate that full implementation across major markets will take 3-5 years, with Europe leading due to regulatory mandates. However, early adopters are already deploying compatible systems, and manufacturers are incorporating the technology into new vehicle models.

'The transition won't happen overnight, but we now have a clear roadmap,' concludes automotive executive Robert Kim. 'For the first time, we have a comprehensive standard that addresses payment, communication, and interoperability in one framework. This is what will finally make EV charging as convenient as traditional refueling.'

The publication of this interoperability standard represents a watershed moment for electric mobility, addressing critical barriers to adoption and paving the way for seamless, secure, and convenient charging experiences worldwide.

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