The Credit Transfer ( ) and Direct Debit ( ) Schemes, developed by the in close dialogue with the payment service user community, evolve over time. The annual scheme change management process is based on the following principles:
- Any stakeholder may introduce suggestions for changes to the and Rulebooks.
- All suggestions for changes to the rulebooks are evaluated by the Payment Schemes Working Group (SPS WG) and are consolidated into a single change request per rulebook.
- Proposed changes detailed in the change requests, which are broadly accepted by all stakeholders, are taken forward.
To ensure planning security for all market participants, publication of updated versions of the and Rulebooks, together with the associated implementation guidelines ( ), follows an established change and release management cycle. The publishes updated versions of the rulebooks once annually, in November of each year. In November 2011, the published:
- The Rulebook version 6.0.
- The Core Rulebook version 6.0.
- The Business to Business (B2B) Rulebook version 4.0.
These rulebook versions have been updated to include version 4.0 of the Scheme Management Internal Rules (the Internal Rules) (see links below), which were approved by the Plenary in September 2012 following the three month public consultation on possible modifications to be introduced into this document earlier this year. The Internal Rules contain descriptions of the internal organisation, structure, rules, and processes that make up the scheme management of the and Schemes. Such processes cover administration and compliance, and change management, including structured dialogue with stakeholders. Amendments to the Internal Rules are of a purely administrative nature and have no operational impact whatsoever.
The is under the legal obligation to ensure compliance of the and Schemes with the ‘Regulation ( ) No 260/2012 establishing technical and business requirements for credit transfers and direct debits in euro and amending Regulation (EC) No 924/2009' (the Regulation). The Regulation (see links below) came into force on 31 March 2012. The Core Rulebook and B2B Rulebook to take effect on 17 November 2012 have been further updated to reflect the requirements of Articles 6(3) and 8 of the Regulation, which stipulate that as of 1 November 2012 cross-border multilateral interchange fees for direct debits per-transaction are no longer allowed and that R-transaction interchange fees can be applied under certain conditions. According to the Regulation, R-transaction "means a payment transaction which cannot be properly executed by a [payment service provider] or which results in exception processing, inter alia, because of a lack of funds, revocation, a wrong amount or a wrong date, a lack of mandate or wrong or closed account" (Article 2 (25)).
The rulebook versions that take effect on 17 November 2012 are therefore the Rulebook version 6.1, the Core Rulebook version 6.1 and the B2B Rulebook version 4.1. These rulebook versions can be downloaded from the Website following the links below.
The , which were published in November 2011, also take effect on 17 November 2012 (see links below).
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