Clarification Paper on the Use of Slashes in References, Identifications and Identifiers

The implementation guidelines of the Single Euro Payments Area (SEPA) payment scheme rulebooks contain a rule which stipulates that the content of ‘references, identifications and identifiers’ must not start or end with a ‘/’ (single slash) nor should it contain ‘//’ (double slashes). 

The purpose of the document is to clarify the impact of the abovementioned rule on ‘references, identifications and identifiers’ related ISO 20022 data elements used in pain.001, pain.007 and pain.008 messages of the SEPA (Instant) Credit Transfer (SCT/SCT Inst) and SEPA Direct Debit (SDD) Core/Business-to-Business IGs.

The version of 2015 has been updated to be in line with various changes (e.g., attribute renumbering and migration to the 2019 message version of ISO 20022) made in the 2023 SEPA payment scheme rulebooks and related IGs.

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