These implementation guidelines (
) set out the Single Euro Payments Area (
) rules for implementing the Inter-Payment Service Provider (
) ISO 20022 XML message standards based on version 1.0 of the 2023 SEPA Instant Credit Transfer (SCT Inst) rulebook, which enter 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.