2021 V1.0

SEPA Credit Transfer Scheme Inter-PSP Implementation Guidelines 2021 version 1.0

These implementation guidelines (IGs) set out the Single Euro Payments Area (SEPA) rules for implementing the inter-payment service provider (PSP) ISO 20022 XML message standards based on versions 1.0, 1.1, 1.2 and 1.3 of the 2021 SEPA Credit Transfer (SCT) Rulebook.

An errata document was published on 31 May 2021, which lists a couple of updates to these IGs and the related updated XSDs were published on 11 June 2021. On 26 November 2021 an updated version of the XSD related to the pacs.004 used as a positive response to a Recall was published.

SEPA XML Schema Definitions (XSDs) related to the aforementioned IGs are also made available. (Note: XSD files can be opened via a text editor (e.g. Microsoft Notepad) or XML Schema editor).

Disclaimer: SEPA XSDs are not developed for ‘production’ purposes, they are to instantiate the business rules and restrictions contained in the implementation guidelines in a formal interchange format, sometimes referred to as Technical Validation Subsets (TVSs). Production instantiations should refer to the default ISO 20022 namespaces.

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