In November 2025, the European Payments Council (EPC) published version 1.0 of the following two documents highlighting the key differences between the current applicable 2025 One-Leg Out Instant Credit Transfer (OCT Inst) and SEPA Instant Credit Transfer (SCT Inst) scheme rulebooks:
Infographic Key Differences between the 2025 OCT Inst and SCT Inst Scheme Rulebooks (EPC203-25): it gives a very quick and high-level overview about the main differences between the two EPC instant credit transfer schemes.
Key Differences between the 2025 OCT Inst and SCT Inst Scheme Rulebooks (EPC204-25): this document outlines in more detail the main differences between the two schemes.
Both documents help payment service providers (PSPs) to quickly grasp the main difference between the OCT Inst scheme and the SCT Inst scheme. The EPC will update these documents whenever further clarification is needed.