A payment request is a message sent by a payee, such as a business or biller, asking a payer to make a payment. It usually includes the amount, the payee's details, a due date and a reference, so that the payer only needs to review and approve it rather than type in the details. Payment requests take several forms. Formal request to pay schemes, such as the European Payments Council's SEPA Request-to-Pay scheme, define standard messages exchanged between providers, and ISO 20022 includes a creditor payment activation request message (pain.013) for this purpose. Instant payment systems such as UPI have long supported collect requests, in which the payee asks and the payer approves in their app, while many apps and merchants use payment links or QR codes. Unlike a direct debit, a payment request does not let the payee take money; the payer decides whether, when and how much to pay, which makes it a push payment with payee convenience.