SEPA Direct Debit (SDD)

2016 SDD Rulebooks


The European Payments Council (EPC) has traditionally published updated versions of the Single Euro Payments Area (SEPA) scheme rulebooks and associated implementation guidelines once annually in November to take effect in November of the next year. Exceptionally, the EPC published already in January 2015 the SDD Core Rulebook and the SDD Business to Business (B2B) Rulebook becoming effective in November 2016. This decision was made to give payment service providers participating in the SEPA payment schemes and their suppliers an extended lead-time to implement principal changes incorporated in the 2016 SDD Rulebooks prior to them taking effect.

Main change included with the 2016 SDD Core Rulebook: shorter standard time cycle

The 2016 SDD Core Rulebook includes a shorter standard time cycle for the presentation of one-off and recurrent direct debit collections at the debtor's bank. To provide some background on the main change regarding the standard time cycle included with the 2016 SDD Core Rulebook: the SDD Schemes allow debtors (payers) and creditors (billers) to anticipate the precise date (due date) as to when their account will be debited or credited, respectively. Currently, the debtor’s bank must receive the request for a first or for a one-off direct debit collection at least five business days prior to the due date. As of the effective date of November 2016 of the 2016 SDD Core Rulebook, all collections presented for the first time, on a recurrent basis or as a one-off collection can be presented up to one interbank business day prior to the due date. This change does not impact the creditor as the creditor can continue to use the currently applicable SDD Core collection presentation timelines after November 2016.

Main change included with the 2016 SDD Core and SDD B2B Rulebooks: simplified use of sequence types

The SDD Rulebooks currently require that the payment message sent by the creditor’s bank to request a direct debit collection specifies whether the transaction is a first, one-off, recurrent or last collection. These specifications are also referred to as ‘sequence types’. The 2016 SDD Core and SDD B2B Rulebooks have been amended to simplify the use of sequence types by making the sequence type “first” optional. This change does not impact creditors collecting SDD payments.

The public consultation on possible modifications to be incorporated into next generations rulebooks carried out by the EPC in 2014 identified broad support to amend the SDD Core Rulebook as regards the standard time cycle and both the SDD Core and SDD B2B Rulebooks as regards the use of sequence types. However, a majority of stakeholders advocated implementing related changes by November 2016 to allow for sufficient time to update processes and operations. To learn more about the scheme change management cycle, refer to this EPC Website page: SCT / SDD Rulebook Release Management.

On this page, you find the links to the SDD Core Rulebook version 9.2, and the SDD B2B Rulebook version 7.2 and associated implementation guidelines.

The implementation guidelines relevant to the SDD Core Rulebook version 9.2, and the SDD B2B Rulebook version 7.2 are based on the 2009 version of ISO 20022.

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