What happens if my organisation's customers wish to make SEPA Scheme payments but my organisation is not operationally ready? Can my organisation make SEPA Scheme payments without joining the SEPA Scheme?

It will not be possible to make Scheme payments until your organisation is a Scheme Participant.

What happens if my organisation is a Participant in a SEPA Scheme but is asked by customers to make Scheme payments to an organisation that is not yet a SEPA Scheme Participant?

Such a payment cannot be executed within the Scheme and, if possible, will need to be executed through another channel.