The SEPA Direct Debit schemes (SDD) provide the sets of rules that enable a harmonised application by all participating payment service providers (PSPs) in Europe. PSPs can also provide additional services to meet specific customer needs.

The SEPA Direct Debit Business-to-Business (SDD B2B) scheme is an optional scheme, offered exclusively to business payers.

The two EPC SEPA Direct Debit schemes offer consumers and businesses a convenient and secure means of paying bills. They are used to facilitate over 21 billion transactions every year in SEPA.

The SEPA Instant Credit Transfer (SCT Inst) scheme will make European payments faster and ever more convenient.

SEPA Instant Credit Transfer (SCT Inst) heralds a new era in payments. Payments are no exception to an increasingly digital and immediate society.

The SEPA Credit Transfer (SCT) scheme provides the sets of rules that enable a harmonised implementation by all participating payment service providers (PSPs) in Europe.

A credit transfer is an electronic payment from one payment account to another. The SEPA Credit Transfer (SCT) scheme makes the transfer of money in Europe easy and convenient.

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