2023 V1.0

SEPA Instant Credit Transfer Inter-PSP Implementation Guidelines 2023 version 1.0

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. 

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