Knowledge Bank

15.05.13Errata to the 2014 Implementation Guidelines

15.04.13Response Template: EPC Public Consultation Improving the Efficiency of the Handling of Cash - Cash Cycle Models

15.04.13Improving the Efficiency of the Handling of Cash - Cash Cycle Models

09.04.13The EPC e-Operating Model for e-mandates: Security Concept

25.03.13EPC Calls for Independent Candidates Seeking Appointment to the SEPA Scheme Management Committee. Applications are Invited by 19 April 2013

11.02.13Quick Response Code: Guidelines to Enable Data Capture for the Initiation of a SEPA Credit Transfer

29.01.13Clarification Paper: SEPA Credit Transfer and SEPA Direct Debit

14.01.13Request for Proposal: Standards Solution Provider to Facilitate Development, Publication and Maintenance of the EPC´s Implementation Guidelines

30.11.12SEPA Direct Debit Business to Business Rulebook Version 5.0

30.11.12Report on Public Consultation 2012 - SEPA Scheme Management Internal Rules

30.11.12Report on Public Consultation 2012 - SEPA Credit Transfer

30.11.12Report on Public Consultation 2012 - SEPA Direct Debit Business to Business

30.11.12Report on Public Consultation 2012 - SEPA Direct Debit Core

30.11.12SEPA Credit Transfer Rulebook Version 7.0

30.11.12SEPA Direct Debit Core Rulebook Version 7.0

30.11.12SEPA Direct Debit Core Scheme Advance Mandate Information Service Implementation Guidelines Version 7.0

30.11.12SEPA Direct Debit Core Scheme Customer-to-Bank Implementation Guidelines Version 7.0

30.11.12SEPA Direct Debit Core Scheme e-Mandate Service Implementation Guidelines Version 7.0

30.11.12SEPA Direct Debit Core Scheme Inter-Bank Implementation Guidelines Version 7.0

30.11.12SEPA Direct Debit Business to Business Scheme e-Mandate Service Implementation Guidelines Version 5.0

30.11.12SEPA Direct Debit Business to Business Scheme Inter-Bank Implementation Guidelines Version 5.0

30.11.12SEPA Direct Debit Business to Business Scheme Advance Mandate Information Service Implementation Guidelines Version 5.0

30.11.12SEPA Direct Debit Business to Business Scheme Customer-to-Bank Implementation Guidelines Version 5.0

30.11.12SEPA Credit Transfer Scheme Inter-Bank Implementation Guidelines Version 7.0

30.11.12SEPA Credit Transfer Scheme Customer-to-Bank Implementation Guidelines Version 7.0

16.11.12Errata to the 2012 Implementation Guidelines Version 1.1

06.11.12SEPA Scheme Management Internal Rules Version 4.0

06.11.12SEPA Scheme Management Internal Rules Version 4.0 - Extract - Chapter 3

06.11.12SEPA Direct Debit Core Rulebook Version 6.1

06.11.12SEPA Direct Debit Business to Business Rulebook Version 4.1

06.11.12SEPA Credit Transfer Rulebook Version 6.1

02.11.12SEPA Business to Business Direct Debit Rulebook Version 3.2

02.11.12SEPA Core Direct Debit Rulebook Version 5.2

18.10.12White Paper Mobile Payments - edition October 2012

15.10.12Guidelines on Algorithms Usage and Key Management

08.10.12Candidate Profile for Appointment to the SMC Group of Experts

08.06.12Errata to the 2012 Implementation Guidelines Version 1.0

31.05.12Candidate Profile for Appointment to the SMC Group of Experts

16.05.12EPC Press Release: EPC Launches Annual Public Consultation on the Evolution of the SEPA Credit Transfer and SEPA Direct Debit Schemes

16.05.12SEPA Scheme Management Internal Rules Change Request Consultation Document 2012

16.05.12SEPA Direct Debit Business to Business Rulebook Change Request Consultation Document 2012

16.05.12SEPA Direct Debit Core Rulebook Change Request Consultation Document 2012

16.05.12SEPA Credit Transfer Rulebook Change Request Consultation Document 2012

26.04.12EPC Response to European Commission Green Paper 'Towards an Integrated European Market for Card, Internet and Mobile Payments'

12.04.12EPC Publication: Shortcut to Who Does What in SEPA

11.04.12EPC Publication: EPC Annual Activity Report 2011

23.03.12EPC Press Release: EPC Elects New Chair Javier Santamaría and Vice Chair Günther Gall to Take Office in June 2012

07.03.12Guide to the Adherence Process for the SEPA Core Direct Debit Scheme and for the SEPA B2B Direct Debit Scheme

07.03.12Guide to the Adherence Process for the SEPA Credit Transfer Scheme

28.02.12EPC Publication: SEPA for Consumers (Brochure)

28.02.12EPC Publication: Shortcut to SEPA

28.02.12EPC Publication: Shortcut to SEPA Credit Transfer (SCT)

28.02.12EPC Publication: Shortcut to Business - the Ten Best Reasons to Practice SEPA

28.02.12EPC Publication: Shortcut for the Public Sector - the Ten Best Reasons to Practice SEPA

28.02.12EPC Publication: Shortcut to SEPA Direct Debit (SDD)

28.02.12EPC Publication: Shortcut to the SEPA Data Format

07.02.12EPC Press Release: EPC Launches Public Consultation on White Paper on Mobile Payments

07.02.12Feedback Questionnaire White Paper Mobile Payments 2nd Edition

23.01.12SEPA Cards Standardisation Volume - Book of Requirements Version 6.0

01.12.11Creditor Identifier Overview

22.11.11Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines (MCP IIGs)

16.11.11Timeline for Rulebook Release in 2013

14.11.11SEPA Credit Transfer Rulebook Version 5.1

14.11.112011 EPC Public Consultation - SDD Core Rulebook Feedback Report

14.11.112011 EPC Public Consultation - SDD B2B Rulebook Feedback Report

14.11.112011 EPC Public Consultation - SCT Rulebook Feedback Report

14.11.11SEPA Direct Debit Core Scheme e-Mandate Service Implementation Guidelines Version 6.0

14.11.11SEPA Direct Debit Core Scheme Customer-to-Bank Implementation Guidelines Version 6.0

14.11.11SEPA Direct Debit Core Scheme Advance Mandate Information Service Implementation Guidelines Version 6.0

14.11.11SEPA Direct Debit Core Scheme Inter-Bank Implementation Guidelines Version 6.0

14.11.11SEPA Direct Debit Business to Business Scheme Inter-Bank Implementation Guidelines Version 4.0

14.11.11SEPA Direct Debit Business to Business Scheme e-Mandate Service Implementation Guidelines Version 4.0

14.11.11SEPA Direct Debit Business to Business Scheme Customer-to-Bank Implementation Guidelines Version 4.0

14.11.11SEPA Direct Debit Business to Business Scheme Advance Mandate Information Service Implementation Guidelines Version 4.0

14.11.11SEPA Credit Transfer Scheme Customer-to-Bank Implementation Guidelines Version 6.0

10.11.11SEPA Credit Transfer Scheme Inter-Bank Implementation Guidelines Version 6.0

26.10.11EPC Press Release: The European Payments Council Calls on European Lawmakers to Align Forthcoming SEPA Regulation with Bank Customer Requirements.

26.10.11Media FAQs Regarding EPC Online Press Conference of 25 October 2011 and EPC Press Release of 26 October 2011

03.10.11Summary - Overview of the Results of the Survey on the Checking Obligations in Existing Legacy Direct Debit Schemes in the European Union

27.09.11EPC Press Release: EPC Comments on the European Commission´s Investigation into its Standardisation Process for Online Payments.

04.08.11Template to Propose a Suggestion for a Change to the SEPA Credit Transfer or SEPA Direct Debit Rulebooks

06.06.11EPC Press Release: EPC Releases SEPA Cards Standardisation Requirements for Public Consultation

31.05.11SEPA Cards Standardisation Volume - Book of Requirements Version 5.5 - Comparative Version versus Version 5.0

31.05.11SEPA Cards Standardisation Volume - Book of Requirements Version 5.5

30.05.11Errata to the 2011 Implementation Guidelines

23.05.11EPC Press Release: EPC Launches Annual Public Consultation on the SEPA Schemes and Calls on EU Lawmakers to Align Forthcoming SEPA Regulation with Industry Best Practice

23.05.112011 Change Request - Consultation Document - SDD B2B Rulebook

23.05.112011 Change Request - Consultation Document - SDD Core Rulebook

23.05.112011 Change Request - Consultation Document - SEPA Credit Transfer Rulebook

05.05.11EPC Launches Public Consultation on Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines

29.04.11EPC Consultation: Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines

27.04.11Scheme Management Internal Rules Version 2.1 - Extract - Chapter 3

27.04.11Timeline for Rulebook Release in 2012

12.04.11A Letter: the SCT B2B survey

29.03.11AN UPDATE - EPC Response to the Proposal for a SEPA Regulation

29.03.11AN UPDATE - Executive Summary of the EPC Response to the Proposal for a SEPA Regulation

29.03.11EPC Response to the European Commission Proposal for a Regulation Establishing Technical Requirements for Credit Transfers and Direct Debits in Euros.

21.02.11The Principles Governing the SEPA Direct Debit Core Scheme (supporting document)

21.02.11Interoperability of Payment Schemes is Not Feasible (supporting document)

16.02.11Approval Scheme for EPC Approved CAs for e-Mandate Services

14.02.11EPC Charter

04.02.11Model Agreement for EPC Approved CAs - Use of EPC CA Mark

04.02.11Model Agreement for EPC Applicant CAs for the e-Mandate Feature of the SEPA Direct Debit Schemes

04.02.11Model Agreement for EPC Recognised Auditors for the e-Mandate Feature of the SDD Schemes

04.02.11Requirements and Specifications for EPC Approved Server CAs for e-Mandate Services

03.02.11Model CA Audit Report for Certifying Compliance of a CA to EPC Requirements and Specification

31.01.11EPC Resolution: Preventing Card Fraud in a Mature EMV Environment

24.01.11SEPA Cards Standardisation Volume - Book of Requirements Version 5.0

04.01.11EPC Resolution 'Obsolescence of Conventions for cross-border Payments in Euros and the ICP'

08.12.10Model Letter for CA applicants

30.11.10EPC decisions after Public Consultation 2010 on SDD B2B

30.11.10EPC decisions after Public Consultation 2010 on SDD Core

30.11.10EPC Decisions after Public Consultation 2010 on SCT

06.11.10Clarification on DS-01 and DS-02 in the SCT RB

01.11.10EPC Press Release: European Payments Council marks further Progress towards SEPA and calls on EU Lawmakers to set End Dates for migration to the SEPA Schemes through Regulation

01.11.10EPC Press release: End dates for SEPA Schemes - French translation

01.11.10EPC Press release: End dates for SEPA Schemes - German translation

01.11.10EPC Press release: End dates for SEPA Schemes - Italian translation (summary)

01.11.10EPC Press release: End dates for SEPA Schemes - Spanish translation (summary)

01.11.10SEPA Business to Business Direct Debit Scheme Advance Mandate Information Service Implementation Guidelines version 3.0

01.11.10SEPA Business to Business Direct Debit Scheme e-Mandate Service Implementation Guidelines version 3.0

01.11.10SEPA Business to Business Direct Debit Scheme Customer-to-Bank Implementation Guidelines version 3.0

01.11.10SEPA Business to Business Direct Debit Scheme Inter-Bank Implementation Guidelines version 3.0

01.11.10SEPA Business to Business Direct Debit Scheme Rulebook version 3.0

01.11.10SEPA Core Direct Debit Scheme Advance Mandate Information Service Implementation Guidelines version 5.0

01.11.10SEPA Core Direct Debit Scheme e-Mandate Service Implementation Guidelines version 5.0

01.11.10SEPA Core Direct Debit Scheme Customer-to-Bank Implementation Guidelines version 5.0

01.11.10SEPA Core Direct Debit Scheme Inter-Bank Implementation Guidelines version 5.0

01.11.10SEPA Core Direct Debit Scheme Rulebook version 5.0

01.11.10SEPA Business to Business Direct Debit Scheme Rulebook version 2.1

01.11.10SEPA Core Direct Debit Scheme Rulebook version 4.1

01.11.10SEPA Credit Transfer Scheme Rulebook v5.0

01.11.10SEPA Credit Transfer Scheme Inter-Bank Implementation Guidelines v5.0

01.11.10SEPA Credit Transfer Scheme Customer-to-Bank Implementation Guidelines v5.0

30.10.10SEPA Credit Transfer Scheme Rulebook v 4.1

26.10.10So what´s in a Name? Explaining payment schemes, instruments and systems. Clarity on payment terms is critical in the debate over the approach to setting end dates for migration to SEPA through EU Regulation (EPC Newsletter)

21.10.10EPC Press Release: EPC releases Trusted Service Management Specifications for Mobile Contactless Payments

21.10.10Joint EPC-GSMA Paper 'Mobile Contactless Payments Service Management Roles - Requirements and Specifications'

27.08.10EPC List of SEPA Countries

02.08.10EPC Press Release: EPC Appoints Marco Musto As New Secretary General

19.07.10On Payments and Light Bulbs - Commission ready to write off SEPA via EU legislation? Commentary on Commission services´ Working Paper 'SEPA Migration-End Date' of June 2010 (EPC Newsletter)

19.07.10On SEPA and US Health Care Reform - The EC Discussion Paper 'SEPA Migration End-Date' of March 2010: a Commentary (EPC Newsletter)

15.07.10EPC Response to the Commission services´ Working Paper 'SEPA Migration End-Date' of 2 June 2010

12.07.10The Use of Audit Trails in Security Systems: Guidelines for European Banks

06.07.10EPC Press Release: EPC publishes White Paper on Mobile Payments

02.07.10EPC White Paper on Mobile Payments v2.0

18.06.10EPC e-Mandates e-Operating Model - High Level Definition

14.06.10Errata to the 2010 Implementation Guidelines

21.05.10SEPA Core DD Scheme Rulebook 2011- Change Request Documents

21.05.10SEPA B2B DD Scheme Rulebook 2011 - Change Request Consultation Documents

19.05.10Timeline for Suggestions for Change for Rulebook Release in 2011

07.04.10EPC103-08 Non CI Application Pack - v3.0 - March 2010

05.04.10SEPA Credit Transfer and the reason code for non-acceptance by the Beneficiary Bank

01.03.10EPC Position Paper on European Commission White Paper on Cross-Border Cash Transport

10.02.10EPC Decisions - Public Consultation SCT RB 2010

10.02.10EPC Decisions - Public Consultation Core SDD RB 2010

10.02.10EPC Decisions - Public Consultation SCT RB 2009

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

29.01.10Joint Press Release EPC and GSMA TSM Consultation v 1.0 - Jan 2010

29.01.10EPC and GSMA introduce Consultation on SEPA Mobile Payments

28.01.10EPC Publication: Shortcut for Merchants - the 10 best Reasons to Practice SEPA

28.01.10EPC Publication: Shortcut to the SEPA Cards Framework

28.01.10EPC-GSMA TSM Service Management Requirements and Specifications

21.12.09SEPA Cards Standardisation Volume - Results of public Consultation

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

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

06.11.09Summary Text Spanish - Press Release 30 October 2009 on the Benefits of SEPA Direct Debit for Businesses

06.11.09Summary Text Italian - Press Release 30 October 2009 on the Benefits of SEPA Direct Debit for Businesses

06.11.09Full German Text - Press Release 30 October 2009 on the Benefits of SEPA Direct Debit for Businesses

06.11.09Full French Text - Press Release 30 October 2009 on the Benefits of SEPA Direct Debit for Businesses

03.11.09SEPA Credit Transfer Scheme Inter-Bank Implementation Guidelines v 4.0

03.11.09SEPA Credit Transfer Scheme Customer-to-Bank Implementation Guidelines v 4.0

03.11.09SEPA Core Direct Debit Scheme Customer-to-Bank Implementation Guidelines v 4.0

03.11.09SEPA Core Direct Debit Scheme Inter-Bank Implementation Guidelines v 4.0

03.11.09SEPA Core Direct Debit Scheme e-Mandate Service Implementation Guidelines v 4.0

03.11.09SEPA Business to Business Direct Debit Scheme Inter-Bank Implementation Guidelines v 2.0

03.11.09SEPA Business to Business Direct Debit Scheme Customer-to-Bank Implementation Guidelines v 2.0

03.11.09SEPA Business to Business Direct Debit Scheme e-Mandate Service Implementation Guidelines v 2.0

02.11.09The X Factor. Are EU Governments still committed to SEPA?

02.11.09Better Business with SEPA Direct Debit. Corporate Customers confirm Benefits of SEPA Implementation (EPC Newsletter)

30.10.09SEPA Core Direct Debit Scheme Rulebook v 4.0

30.10.09Privacy Shielding for Pin Entry

30.10.09SEPA Credit Transfer Scheme Rulebook v 4.0

30.10.09EPC Champions Benefits of SEPA Direct Debit Schemes - Press Release - Brussels - 30 October 2009

19.10.09Second Open Letter to SEPA Banks on SDD Adherence

15.10.09Recommendation on Customer Reporting of SCT and SDD

13.10.09EPC launches SDD Schemes - Press Release - Brussels - 13 October 2009

13.10.09Full French Text - EPC Press Release SEPA Direct Debit Launch

13.10.09Full German Text - EPC Press Release SEPA Direct Debit Launch

13.10.09Summary Text Italian - EPC Press Release SEPA Direct Debit Launch

13.10.09Summary Text Spanish - EPC Press Release SEPA Direct Debit Launch

13.10.09Speech EPC Chair - SDD Launch 2009-10-13

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

17.07.09Open Letter to SEPA Banks on SDD Adherence

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 v2.0 - Extract - Chapter 3

15.06.09Think Ahead - The SEPA Scheme Change Management - Towards SCT Scheme Rulebook v 4.0

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

21.04.09EPC e-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

02.04.09Sample of a user-friendly 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

04.02.09Open Letter to SEPA Banks

22.01.09SEPA in your Inbox: EPC launches Newsletter

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

30.12.08Recommended ATM Anti-skimming Solutions within SEPA

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

03.11.08Delivery Note - EPC Technical Validation Subsets v 3.x

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

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

10.09.08Clarifications on SCT Implementation Issues

04.09.08EPC Press Release on Interchange Fee for SEPA Direct Debits

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 Euro Zone 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

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

21.09.05EPC Press Release: the Banking Industry Delivers the next Milestone on the Road to SEPA

05.04.05EPC Press Release: Transforming Europe's Payment Landscape

01.05.02Euroland: Our Single Payment Area!