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 the versions 1.0, 1.1 and 1.2 of the 2021 Instant Credit Transfer ( ) Rulebook.
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.