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  1. Frequently asked questions
  2. EPC Adherence Guide - EPC payment schemes
  3. Problem Scenarios

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?

EPC FAQ:  —  Last updated: 19/11/2025

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