These implementation guidelines (IGs) set out the rules for implementing the relevant ISO 20022 XML message standards based on version 4.0 of the Single Euro Payments Area (SEPA) Request-to-Pay (SRTP) scheme rulebook, which takes effect on 5 October 2025 at 03:30 CEST.
The three IG documents have been updated to version 4.0, 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).
The main changes compared to the previous version (V3.0) are outlined in section 4 of the aforementioned SRTP IG documents.
In addition, SEPA XML Schema Definitions (XSDs) related to SRTP IGs are made available. These XSD files can be accessed using a text editor (e.g. Microsoft Notepad) or an 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.