In May 2022, the European Payments Council ( ) published updated and enhanced versions of the Credit Transfer ( ) and Direct Debit ( ) rulebooks. To ensure planning security for all market participants, the publication of the new rulebook versions follows a predictable release management cycle.
In accordance with industry best practice, payment service providers ( ) and their suppliers have enough time to address the rulebook updates ahead of November 2023, when these updates come into effect.
Here you find the 2023 rulebook version 1.0 which takes effect on 19 November 2023.
Annex IV of the 2023 rulebook version 1.0 lists all changes compared to the version 1.0 of the 2021 rulebook.