Out of the 2022 Single Euro Payments Area ( ) payment scheme rulebook change management cycle, the European Payments Council ( ) approved the change request to exclusively use the structured address of the payment service user as of November 2025. This change affects all four payment scheme rulebooks.
On 27 October 2022, the published a guidance document 153-22 for scheme participants and payment service users on how to prepare themselves for the exclusive use of structured addresses as of 23 November 2025 being the entry-into-force date of the 2025 payment scheme rulebooks.
The document determines the concrete impact of the exclusive use of structured addresses as of 23 November 2025 on the various payment scheme processes for the payment service users and the payment scheme participants concerned. It also gives them guidance on how they can deal with the payment initiation, acceptance and processing aspects affected by the change-over to structured addresses.
The will monitor the preparations for the exclusive use of structured addresses up to 23 November 2025. This guidance document may be further updated based on further clarification needs from payment scheme participants and payment service users.