SEPA Request-to-Pay Implementation Guidelines Version 3.0

These implementation guidelines (IGs) set out the rules for implementing the relevant ISO 20022 XML message standards based on versions 3.0, 3.1 and 3.2 of the Single Euro Payments Area (SEPA) Request-to-Pay (SRTP) scheme rulebook.

Three separate IG documents have been created covering SRTP related messages in the:

  • Payee to Payee’s RTP Service Provider space (in both directions) (EPC258-22).
  • Inter-RTP Service Provider space (in both directions) (EPC259-22).
  • Payer to Payer’s RTP Service Provider space (in both directions) (EPC260-22).

(Note: The messages included in the above IG documents were not impacted by the creation of versions 3.1 and 3.2 of the SRTP scheme rulebook).

A high-level summary of the main changes relative to V2.0 has been included in V3.0 of the SRTP IGs, including inter alia the alignment of the attribute numbering between the different EPC schemes and the possibility to request instalment payments or to send a credit note via an RTP message. An overview of the SRTP functional messages based on the process steps and datasets as described in the rulebook and including the corresponding ISO 20022 XML message standards can also be found in the annex to the IGs. 

On 22 December 2023, the EPC published the IGs related to the SRTP Enrolment and Activation (E&A) processes as described in version 3.2 of the SRTP scheme rulebook. In accordance with the SRTP IGs, three separate E&A IG documents were created.

SEPA XML Schema Definitions (XSDs) related to the SRTP and SRTP E&A 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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