Version
2023 V1.0

SEPA Instant Credit Transfer Customer-to-PSP Implementation Guidelines 2023 version 1.0

These implementation guidelines ( ) set out the Single Euro Payments Area ( ) rules for implementing the Customer-to-Payment Service Provider (C2PSP) ISO 20022 XML message standards based on version 1.0 of the 2023 SEPA Instant Credit Transfer (SCT Inst) rulebook, which enters into force on 19 November 2023 at 08:00 CET.

It is also important to note that the 2023 take into account the following changes that were already decided back in 2020:

  • Migration to the 2019 message version of the ISO 20022 standard.
  • Alignment of the attribute numbering between the four payment scheme rulebooks.

A list of main changes relative to version 2021 V1.0 has been included in the 2023 . In addition, a separate document (addendum) has been published which provides a detailed overview of all the changes.

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

Disclaimer: 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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