Clarification paper on SEPA Direct Debit Core and SEPA Direct Debit Business-to-Business rulebooks

In November 2022, the  published the version 3.0 of the dedicated European Payments Council ( ) clarification paper on the Single Euro Payments Area ( ) Direct Debit ( ) Core and   Business-to-Business (B2B) rulebooks. 

The paper addresses operational aspects related to the   and   rulebooks and seeks to ensure consistent implementation of the two   direct debit rulebooks by payment service providers participating in the schemes. The paper, which will be updated from time to time, as required, provides guidance and, where feasible, recommendations to scheme participants on how to handle situations that are not described in the rulebooks.

This document applies to the 2021  and   rulebooks.The first change is that the section 2.11 ( r-transaction reason codes) has been amended stressing that Debtor are obliged to provide the Creditor with the correct R-transaction reason code.

Secondly, the section 2.18 (Amended timeline to publish the 2023 payment scheme rulebooks) is removed following the publication of the 2023 rulebooks in May 2022 and the related Implementation Guidelines in June 2022.

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