In early 2014, the EBA e-AP Working Group published an opinion paper on the user requirements for next generation alternative retail payments. As a next step, the working group has published an opinion paper which aims to facilitate a discussion on the impact of these requirements on retail infrastructures. It focuses on the relation between the interbank infrastructure enabling e-APs and the services that e-APs consist of. After defining and scoping the current role of infrastructures, this paper sets out three possible directions for future developments and suggests an approach to EBA members.