The 2015 Single Euro Payments Area ( ) Direct Debit ( ) and Credit Transfer ( ) Rulebooks, which are the business rules of the schemes, are now in effect.
Rulebook versions 8.1 of , 6.1 of Business to Business (B2B), and 8.1 of , were published in April 2015, in order to leave enough time to scheme participants to implement the changes within their organisations.
These versions of the and the Rulebooks will remain in effect until November 2016, whilst the Rulebook version 8.1 will remain valid until November 2017.
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