The Single Euro Payments Area ( ) payment schemes, as set out in the Credit Transfer ( ) and Direct Debit ( ) rulebooks, evolve based on a transparent change management process adhered to by the European Payments Council ( ). This evolution reflects changes in market needs and updates of technical standards. The principles governing the evolution of the payment schemes are set out in the Payment Scheme Management Rules, which are an integral part of the rulebooks.
All interested parties were invited to submit change requests for the 2020 rulebook change management cycle by the end of 2019. All change requests had been submitted for a 90-day public consultation that ended in June 2020.
Following this public consultation, the Scheme Evolution and Maintenance Working Group (SEMWG) collected and consolidated the comments received from all scheme participants and stakeholders during this public consultation. It analysed the expressed support and the comments received for each change request. It then developed change proposals based on the level of support and the comments received from the public consultation.
The SEMWG consolidated its change proposals, along with each change request and the related non-confidential comments received from the contributors during the public consultation, in a Change Proposal Submission Document for each rulebook.
Here you find the Change Proposal Submission Documents for the and rulebooks. They also contain the final decision from the Scheme Management Board taken for each concerned change request.