Knowledge Bank

03.02.10EPC Decisions after public consultation on the B2B SDD Rulebook 2010

29.01.10EPC and GSMA introduce consultation on SEPA mobile payments

28.01.10The 10 Best Reasons to Practice SEPA - for Merchants

28.01.10Shortcut to SEPA Cards Standardisation

28.01.10Shortcut to the SEPA Cards Framework

28.01.10EPC Charter

26.01.10Deloitte Corporate SEPA Readiness Survey 2009

21.12.09SEPA Cards Standardisation Volume - Results of public consultation

21.12.09SEPA Requirements for an Extended Character Set (UNICODE Subset) - Best Practices

21.12.09SEPA Cards Standardisation Volume - Book of Requirements - version 4.0

21.12.09SEPA Cards Framework v2.1

24.11.09Payments at your Fingertips. The Mobey Forum and the European Payments Council start cooperation to boost mobile payments across SEPA.

17.11.09EPC List of SEPA Countries

03.11.09SEPA Credit Transfer Scheme Inter-Bank Implementation Guidelines v4.0

03.11.09SEPA Credit Transfer Scheme Customer-to-Bank Implementation Guidelines v4.0

03.11.09SEPA Core Direct Debit Scheme Customer-to-Bank Implementation Guidelines v4.0

03.11.09SEPA Core Direct Debit Scheme Inter-bank Implementation Guidelines v4.0

03.11.09SEPA Core Direct Debit Scheme e-Mandate Service Implementation Guidelines v4.0

03.11.09SEPA Business to Business Direct Debit Scheme Inter-bank Implementation Guidelines v2.0

03.11.09SEPA Business to Business Direct Debit Scheme Customer-to-Bank Implementation Guidelines v2.0

03.11.09SEPA Business to Business Direct Debit Scheme e-Mandate Service Implementation Guidelines v2.0

30.10.09SEPA Core Direct Debit Scheme Rulebook v4.0

30.10.09SEPA Business to Business Direct Debit Scheme Rulebook v2.0

30.10.09Privacy Shielding for Pin Entry

30.10.09SEPA Credit Transfer Scheme Rulebook v4.0

30.10.09SEPA Business to Business Direct Debit Scheme e-Mandate Service Implementation Guidelines v1.3

30.10.09SEPA Business to Business Direct Debit Scheme Customer-to-Bank Implementation Guidelines v1.3

30.10.09SEPA Business to Business Direct Debit Scheme Inter-bank Implementation Guidelines v1.3

30.10.09SEPA Business to Business Direct Debit Scheme Rulebook v1.3

30.10.09SEPA Core Direct Debit Scheme e-Mandate Service Implementation Guidelines v3.4

30.10.09SEPA Core Direct Debit Scheme Inter-bank Implementation Guidelines v3.4

30.10.09SEPA Core Direct Debit Scheme Customer-to-Bank Implementation Guidelines v3.4

30.10.09SEPA Core Direct Debit Scheme Rulebook v3.4

30.10.09SEPA Credit Transfer Scheme Customer-to-Bank Implementation Guidelines v3.3

30.10.09SEPA Credit Transfer Scheme Inter-Bank Implementation Guidelines v3.3

30.10.09SEPA Credit Transfer Scheme Rulebook v3.3

15.10.09Recommendation on Customer reporting of SCT and SDD

15.09.09SEPA for the Media

15.09.09A Shortcut to SEPA

15.09.09SEPA for IT Providers

08.09.09Overview of Creditor Identifiers

05.08.09Exit Procedures for Scheme Participants in the SEPA Credit Transfer Scheme

17.07.09Open Letter to SEPA banks on SDD Adherence

06.07.09SEPA for Consumers

01.07.09Annex B 2 Schedule information to the Adherence Agreement SDD B2B Scheme for Banks - excel

01.07.09Annex B 5 Pro-forma Legal Opinion for banks in non-EEA SEPA jurisdiction - SDD B2B Scheme

01.07.09Annex B 4 Pro-forma Legal Opinions for branches of non-SEPA Banks - SDD B2B Scheme

01.07.09Annex B 3 Pro-forma Standard Legal Opinion for Banks - SDD B2B Scheme

01.07.09Annex B 2 Schedule information to the Adherence Agreement SDD B2B Scheme for Banks - word

01.07.09Annex B 1 Pro Forma SDD B2B Adherence Agreement for Banks

01.07.09Annex A_2 Schedule information to the Adherence Agreement SDD Core Scheme for Banks - excel

01.07.09Annex A_5 Pro-forma Legal Opinion for banks in non-EEA SEPA jurisdiction - SDD Core Scheme

01.07.09Annex A_4 Pro-forma Legal Opinions for Branches of non-SEPA Banks - SDD Core Scheme

01.07.09Annex A_3 Pro-forma Standard Legal Opinion for Banks - SDD Core Scheme

01.07.09Annex A_2 Schedule information to the Adherence Agreement SDD Core Scheme for Banks - word

01.07.09Annex A_1 Pro Forma SDD Core Adherence Agreement for Banks

01.07.09Annex A 2 Schedule information to the Adherence Agreement SCT Scheme for Banks - excel

01.07.09Annex A 5 Pro-forma Legal Opinion for banks in non-EEA SEPA jurisdiction - SCT Scheme

01.07.09Annex A 4 Pro-forma Legal Opinion for branches of non-SEPA Banks - SCT Scheme

01.07.09Annex A 3 Pro-forma Standard Legal Opinion for Banks - SCT Scheme

01.07.09Annex A 2 Schedule information to the Adherence Agreement SCT Scheme for Banks - word

01.07.09Annex A 1 Pro Forma SCT Adherence Agreement for Banks

30.06.09EPC103-08 Non CI Application Pack - v2.0 - June 2009

30.06.09Annex C-2 Schedule information to the Adherence Agreement SDD B2B Scheme for a non-credit institution Applicant - excel

30.06.09Annex C-4 Pro-forma Legal Opinions for licensed branches of a non-SEPA country institutions - SDD B2B Scheme - non-credit institutions

30.06.09Annex C-3 Pro-forma Standard Legal Opinion for a non-credit institution - SDD B2B Scheme

30.06.09Annex C-2 Schedule information to the Adherence Agreement SDD B2B Scheme for a non-credit institution Applicant - word

30.06.09Annex C-1 Pro Forma SDD B2B Adherence Agreement for a non-credit institution Applicant

30.06.09Annex B-2 Schedule information to the Adherence Agreement SDD Core Scheme for a non-credit institution - excel

30.06.09Annex B-4 Pro-forma Legal Opinions for licensed branches of non-SEPA country institutions - SDD Core Scheme - non-credit institutions

30.06.09Annex B-3 Pro-forma Standard Legal Opinion for a non-credit institution - SDD Core Scheme

30.06.09Annex B-2 Schedule information to the Adherence Agreement SDD Core Scheme for a non-credit institution Applicant - word

30.06.09Annex B-1 Pro-forma SDD Core Adherence Agreement for a non-credit institution Applicant

29.06.09Annex A-2 Schedule information to the Adherence Agreement for adherence to the SCT Scheme - non-credit institutions - excel

29.06.09Annex A-4 Pro-forma Legal Opinions for licensed branches of non-SEPA country institutions - SCT Scheme - non-credit institutions

29.06.09Annex A-3 Pro-forma Standard Legal Opinion for a non-credit institution - SCT Scheme

29.06.09Annex A-2 Schedule information to the Adherence Agreement SCT Scheme for a non-credit institution Applicant - word

29.06.09Annex A-1 Pro-forma SCT Adherence Agreement for a non-credit institution Applicant

15.06.09Change Request Document - SEPA B2B Direct Debit Scheme Rulebook for November 2010

15.06.09Change Request Document - SEPA Credit Transfer Scheme Rulebook for November 2010

15.06.09Change Request Document - SEPA Core Direct Debit Scheme Rulebook for November 2010

15.06.09Scheme Management Internal Rules - Extract - Chapter 3

15.06.09Think Ahead - The SEPA Scheme Change Management - Towards SCT Scheme Rulebook v4.0

15.06.09The Preview - Rulebook Release Management 2009

05.06.09Open Letter regarding the application of the SCF to three party schemes

18.05.09The EPC and GlobalPlatform sign MoU to align Mobile Contactless Technology

15.05.09Customer to Bank Security - Good Practices Guide

21.04.09e-Mandates e-Operating Model - Detailed Specification

21.04.09Annex IX of the SEPA Core Direct Debit Scheme Rulebook v3.3 approved

09.04.09Single Euro Cash Area (SECA) Framework

07.04.09Use of BIC for SCT Payments

06.04.09Technical Validation Subsets (TVS) Versions for use in 2009

06.04.09The most popular Misunderstandings about SEPA - clarified

06.04.09Public Sector - the 10 best reasons to practice SEPA

06.04.09Business - The 10 best reasons to practice SEPA

03.04.09Guide to the Adherence Process for the SEPA Core Direct Debit Scheme and for the SEPA B2B Direct Debit Scheme

02.04.09Sample SEPA Direct Debit Mandate

01.04.09EPC Launches the two SEPA Direct Debit Schemes in November 2009

25.03.09The EPC takes note of regulator's position regarding multilateral interchange arrangements for the SEPA Direct Debit

13.03.09SEPA Testing Framework

07.03.09Guidelines on algorithms usage and key management

04.02.09Open Letter to SEPA Banks

22.01.09A Shortcut to the SEPA Data Format

22.01.09SEPA for the Public Sector

22.01.09Making SEPA a Reality - the definitive Guide to the Single Euro Payments Area

22.01.09SEPA in your Inbox: EPC launches Newsletter

21.01.09SEPA for Business

21.01.09A Shortcut to the SEPA Direct Debit Schemes

21.01.09A Shortcut to the SEPA Credit Transfer Scheme

13.01.09Application Pack for Adherence to the SEPA Credit Transfer Schemes for non-credit institutions

30.12.08Timeline for Suggestions for Change for SCT Release in 2010

30.12.08Recommended ATM Anti-skimming Solutions within SEPA

04.12.08Guidelines for the Appearance of Mandates in the Core SEPA Direct Debit Scheme

03.11.08Delivery Note - EPC Technical Validation Subsets v3.x

24.10.08Template for proposing a suggestion for a change to a SEPA Scheme

04.10.08Guidance Notes - Implementation of Regulation (EC) No 1781/2006

28.09.08SEPA Scheme Management Internal Rules (SMIR)

11.09.08Open letter to SCT Scheme Participants - Clarification of SCT Implementation Issues

10.09.08Clarifications on SCT Implementation Issues

04.09.08Press Release on Interchange Fee for SEPA Direct Debits

05.08.08EPC Announces change of Secretary General

08.07.08EPC Guidance on the use of the future ISO Standard for the 'Structured Creditor Reference'

30.06.08GSMA teams up with European Payments Council

26.06.08Questions and Answers clarifying key aspects of the SEPA Cards Framework

30.05.08Storyboard - E-Mandates for Suppliers

30.05.08Storyboard - E-mandates for Consumers

14.04.08SEPA Logo - Visual Identity Guidelines

12.04.08Disclosure of Current Community AOS for SEPA Credit Transfer Scheme

01.03.08'SEPA Goes Live' EPC Chair speech at SEPA Credit Transfer Scheme Launch

15.02.08SEPA CSM Market Practices

28.01.08Terms and Conditions - Usage of SEPA Logo

28.01.08EPC Launches first SEPA payment scheme (credit transfer) together with more than 4000 European banks

28.01.08Election of the EPC Chair and Vice Chair

16.01.08EPC Recommendation on the Conversion of a Domestic Account Number to an IBAN for SEPA Payments

09.10.07Improving Eurozone Cash Processing Harmonisation and Efficiency within SEPA

08.10.07Addendum to the Open Letter of 31 May 2007 to all SEPA banks planning to adhere to the SEPA Credit Transfer Scheme

08.10.07Open Letter to Banks planning to adhere to the SEPA Credit Transfer and SEPA Direct Debit Schemes

23.09.07Disclosure of intent to be a SEPA-Scheme compliant CSM

08.08.07Guide to the Adherence Process for the SEPA Credit Transfer Scheme

25.07.07Clarification Note on the EPC TVS and Implementation Guidelines

13.04.07A Response to the Eurosystem's view of a 'SEPA for Cards'

16.03.07Statement of Principles and Functional Requirements for an IBAN/BIC Database

09.03.07Public Letter from the EPC Concerning Progress of the SEPA Programme

05.01.07PE-ACH/CSM Framework

01.11.06EPC146-06 - Resolution: Reachability of all Scheme Participants in SEPA Credit Transfer and Direct Debit Schemes

05.04.06EPC response to the EC consultative paper on SEPA incentives

02.12.05EPC welcomes publication of Payments Directive

01.12.05EPC Roadmap 2004-2010

21.09.05The banking industry delivers the next milestone on the road to SEPA

11.05.05Interim Measures and Resolution in Relation to Cross-border Electronic Credit Transfers in euro within EU/EEA

05.04.05Transforming Europe's Payment Landscape

01.04.05EPC Annual Report 2004

10.12.04EPC Plenary resolutions

01.05.02Euroland: our single payment area!