Rulebooks 12 March 2024| Version v1.0 SEPA Credit Transfer Rulebook - Public Consultation Document on 2024 Change Requests and Response Template Rulebooks Credit transfer Public consultation EPC006-24 SCT Scheme Rulebook - Public Consultation Document on 2024 Change Requests DownloadPDF | 3.18 MB EPC011-24 Response template - SCT - 2024 scheme change management cycle DownloadXLSX | 667.72 KB
EPC006-24 SCT Scheme Rulebook - Public Consultation Document on 2024 Change Requests DownloadPDF | 3.18 MB
Guidance documents 13 March 2024| Version 13.0 Yearly update of the “Guidelines on cryptographic algorithms usage and key management” Guidance documents Cards Contactless payments Credit transfer Direct debit Instant credit transfer Mobile Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments SDD mandate Security EPC342-08 v13.0 Guidelines on Cryptographic Algorithms Usage and Key Management.pdf DownloadPDF | 1.34 MB
EPC342-08 v13.0 Guidelines on Cryptographic Algorithms Usage and Key Management.pdf DownloadPDF | 1.34 MB
Rulebooks 20 February 2024 Public consultation on the Verification Of Payee Scheme Rulebook Rulebooks Credit transfer Instant credit transfer Public consultation Regulatory Verification Of Payee (VOP) EPC218-23 2024 Verification Of Payee Scheme Rulebook v0.1 for public consultation DownloadPDF | 1.17 MB EPC288-23 Proposed EPC Recommendations for the Matching Processes under the VOP Scheme Rulebook DownloadPDF | 230.44 KB EPC289-23 VOP Scheme Rulebook - response template for public consultation DownloadDOCX | 207.82 KB
EPC218-23 2024 Verification Of Payee Scheme Rulebook v0.1 for public consultation DownloadPDF | 1.17 MB
EPC288-23 Proposed EPC Recommendations for the Matching Processes under the VOP Scheme Rulebook DownloadPDF | 230.44 KB
Rulebooks 09 January 2024| Version v5.0 EPC Payment Scheme Management Rules Rulebooks Adherence Credit transfer Direct debit Governance One-Leg Out Instant credit transfer Scheme End-User Multi-Stakeholder Group (SEU MSG) Scheme Technical Player Multi-Stakeholder Group (STP MSG) Dispute Resolution Committee (DRC) Payment Scheme Management Board (PSMB) EPC207-14 v5.0 EPC Payment Scheme Management Rules DownloadPDF | 519.01 KB
Rulebooks 14 November 2023| Version 1.3 2021 SEPA Credit Transfer rulebook version 1.3 Rulebooks Credit transfer EPC125-05 2021 SCT Rulebook version 1.3 DownloadPDF | 1.47 MB
Reports 06 December 2023| Version 1.0 Yearly update of the “Payment Threats and Fraud Trends Report” Reports Cards Contactless payments Credit transfer Instant credit transfer Direct debit Mobile Security SEPA Request-to-Pay (SRTP) Payment System Security Group (PSSG) EPC181-23 v1.0 2023 Payments Threats and Fraud Trends Report DownloadPDF | 1.16 MB
Rulebooks 14 November 2023| Version 1.1 2023 SEPA Credit Transfer rulebook version 1.1 Rulebooks Credit transfer EPC125-05 2023 SCT Rulebook version 1.1 DownloadPDF | 1.65 MB
Implementation Guidelines 14 November 2023| Version 2023 V1.1 SEPA Credit Transfer Inter-PSP Implementation Guidelines 2023 version 1.1 Implementation Guidelines Credit transfer EPC115-06 SCT Inter-PSP IG 2023 V1.1 DownloadPDF | 4.34 MB EPC115-06 SCT Inter-PSP IG 2023 V1.0 XSD UPDATE DownloadZIP | 281.99 KB EPC144-22 v1.0 Addendum to EPC115-06 SCT Inter-PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 748.97 KB EPC050-23 v1.0 Errata to the 2023 version 1.0 SCT IGs DownloadPDF | 529.29 KB
EPC144-22 v1.0 Addendum to EPC115-06 SCT Inter-PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 748.97 KB
Implementation Guidelines 14 November 2023| Version 2023 V1.1 SEPA Credit Transfer Customer-to-PSP Implementation Guidelines 2023 version 1.1 Implementation Guidelines Credit transfer EPC132-08 SCT C2PSP IG 2023 V1.1 DownloadPDF | 2.07 MB EPC132-08 SCT C2PSP IG 2023 V1.0 XSD UPDATE DownloadZIP | 67.33 KB EPC143-22 v1.0 Addendum to EPC132-08 SCT C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 462.49 KB EPC050-23 v1.0 Errata to the 2023 version 1.0 SCT IGs DownloadPDF | 529.29 KB
EPC143-22 v1.0 Addendum to EPC132-08 SCT C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 462.49 KB
Minutes and agendas 30 November 2023 Agenda and minutes of the fourth meeting of the Scheme Technical Player Multi-Stakeholder Group (September 2023) Minutes and agendas Credit transfer Direct debit One-Leg Out Instant credit transfer SEPA Proxy Lookup (SPL) Scheme Technical Player Multi-Stakeholder Group (STP MSG) SEPA Request-to-Pay (SRTP) One-Leg Out Instant Credit Transfer (OCT Inst) STP MSG 003-23 Agenda 4th STP MSG meeting 2023-09-13 DownloadPDF | 196.41 KB STP MSG 004-23 Minutes 4th STP MSG meeting 13 September 2023 DownloadPDF | 267.6 KB
Guidance documents 14 November 2023| Version 4.0 Guidance on the migration to the 2019 version of the ISO 20022-based XML messaging standard Guidance documents Credit transfer Direct debit Instant credit transfer EPC087-22 v4.0 EPC guidance document - Migration to the 2019 Version of ISO 20022-based XML Messaging Standard DownloadPDF | 790.67 KB
EPC087-22 v4.0 EPC guidance document - Migration to the 2019 Version of ISO 20022-based XML Messaging Standard DownloadPDF | 790.67 KB
Guidance documents 14 November 2023| Version v4.1 EPC Recommendation on ISO 20022 Customer Reporting of SCTs and SDDs Guidance documents Credit transfer Direct debit Instant credit transfer EPC188-09 version 4.1 DownloadPDF | 895.13 KB
Guidance documents 14 November 2023| Version 1.1 Guidance on the use of structured addresses under the SEPA payment schemes as of November 2025 Guidance documents Credit transfer Direct debit Instant credit transfer EPC153-22 v1.1 EPC guidance document - Use of Structured Address under the SEPA Payment Schemes as of Nov 2025 DownloadPDF | 425.99 KB
EPC153-22 v1.1 EPC guidance document - Use of Structured Address under the SEPA Payment Schemes as of Nov 2025 DownloadPDF | 425.99 KB
Minutes and agendas 06 June 2023 Agenda and minutes of the third meeting of the Scheme Technical Player Multi-Stakeholder Group (March 2023) Minutes and agendas Credit transfer Direct debit One-Leg Out Instant credit transfer SEPA Proxy Lookup (SPL) Scheme Technical Player Multi-Stakeholder Group (STP MSG) SEPA Request-to-Pay (SRTP) One-Leg Out Instant Credit Transfer (OCT Inst) STP MSG 001-23 Agenda 3rd STP MSG meeting 2023-03-29 DownloadPDF | 172.61 KB STP MSG 002-23 Minutes 3rd STP MSG meeting 29 March 2023 DownloadPDF | 295.81 KB
Other 28 March 2023| Version v1.0 2022 Public Consultation on the [Instant] Euro One-Leg Out Credit Transfer Arrangement Rulebook – Collected Comments with EPC Responses Other Credit transfer One-Leg Out Instant Credit Transfer (OCT Inst) Instant credit transfer Public consultation EPC091-22 [Inst] Euro OCT Arrangement rulebook - 2022 Public Consultation comments & EPC responses DownloadPDF | 1.13 MB
EPC091-22 [Inst] Euro OCT Arrangement rulebook - 2022 Public Consultation comments & EPC responses DownloadPDF | 1.13 MB
Guidance documents 03 November 2022| Version v2.0 Clarification paper on SEPA Credit Transfer and SEPA Instant Credit Transfer rulebooks Guidance documents Credit transfer Instant credit transfer EPC131-17 v2.0 Clarification Paper SCT and SCT Inst scheme rulebooks DownloadPDF | 733.67 KB
Guidance documents 10 January 2023 Standardisation of QR-codes for MSCTs Guidance documents Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Credit transfer Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Person-to-Person mobile payments Request-To-Pay Multi-Stakeholder Group (RTP MSG) Standardisation of QR-codes for MSCTs (EPC024-22v2.0) DownloadPDF | 1.53 MB
Rulebooks 25 May 2022| Version v1.0 2022 Public Consultation – EPC SEPA Payment Scheme Change Proposal Submission Documents Rulebooks Credit transfer Direct debit Governance Instant credit transfer Public consultation EPC005-22 v1.0 Change Proposal Submission Document - 2022 public consultation SCT change requests DownloadPDF | 565.5 KB EPC006-22 v1.0 Change Proposal Submission Document - 2022 public consultation SCT Inst change requests DownloadPDF | 633.96 KB EPC007-22 v1.0 Change Proposal Submission Document - 2022 public consultation SDD Core change requests DownloadPDF | 488.04 KB EPC008-22 v1.0 Change Proposal Submission Document - 2022 public consultation SDD B2B change requests DownloadPDF | 459.57 KB
EPC005-22 v1.0 Change Proposal Submission Document - 2022 public consultation SCT change requests DownloadPDF | 565.5 KB
EPC006-22 v1.0 Change Proposal Submission Document - 2022 public consultation SCT Inst change requests DownloadPDF | 633.96 KB
EPC007-22 v1.0 Change Proposal Submission Document - 2022 public consultation SDD Core change requests DownloadPDF | 488.04 KB
EPC008-22 v1.0 Change Proposal Submission Document - 2022 public consultation SDD B2B change requests DownloadPDF | 459.57 KB
Guidance documents 13 March 2023| Version v12.0 Yearly update of the “Guidelines on cryptographic algorithms usage and key management” Guidance documents Cards Contactless payments Credit transfer Direct debit Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Multi-stakeholder group on mobile contactless SEPA card payments (MSG MCP) Person-to-Person mobile payments SDD mandate Security EPC342-08 v12.0 Guidelines on Cryptographic Algorithms Usage and Key Management DownloadPDF | 1.55 MB
EPC342-08 v12.0 Guidelines on Cryptographic Algorithms Usage and Key Management DownloadPDF | 1.55 MB
Rulebooks 25 May 2022| Version v1.2 2021 SEPA Credit Transfer rulebook version 1.2 Rulebooks Credit transfer EPC125-05 2021 SCT Rulebook version 1.2 DownloadPDF | 1.28 MB
Rulebooks 13 September 2021| Version v1.0 SEPA Credit Transfer Rulebook - Public Consultation Document on 2022 Change Requests and Response Template Rulebooks Credit transfer Public consultation EPC156-21 SCT Scheme Rulebook - Public Consultation Document on 2022 Change Requests DownloadPDF | 3.19 MB EPC160-21 Response template - SCT - 2022 scheme change management cycle DownloadXLSX | 667.04 KB
EPC156-21 SCT Scheme Rulebook - Public Consultation Document on 2022 Change Requests DownloadPDF | 3.19 MB
Guidance documents 16 February 2023| Version v2.0 Clarification Paper on the Use of Slashes in References, Identifications and Identifiers Guidance documents Credit transfer Direct debit Instant credit transfer EPC230-15 V2.0 Clarification Paper on the Use of Slashes in References Identifications and Identifiers v2.0 DownloadPDF | 335.95 KB
EPC230-15 V2.0 Clarification Paper on the Use of Slashes in References Identifications and Identifiers v2.0 DownloadPDF | 335.95 KB
Rulebooks 25 May 2022| Version v1.0 2023 SEPA Credit Transfer rulebook version 1.0 Rulebooks Credit transfer EPC125-05 2023 SCT Rulebook version 1.0 DownloadPDF | 1.3 MB
Rulebooks 13 December 2021| Version v1.1 2021 SEPA Credit Transfer rulebook version 1.1 Rulebooks Credit transfer EPC125-05 2021 SCT Rulebook version 1.1 DownloadPDF | 1.25 MB
Implementation Guidelines 22 June 2022| Version 2023 V1.0 SEPA Credit Transfer Inter-PSP Implementation Guidelines 2023 version 1.0 Implementation Guidelines Credit transfer EPC115-06 SCT Inter-PSP IG 2023 V1.0 DownloadPDF | 4.38 MB EPC115-06 SCT Inter-PSP IG 2023 V1.0 XSD UPDATE DownloadZIP | 281.99 KB EPC144-22 v1.0 Addendum to EPC115-06 SCT Inter-PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 748.97 KB EPC050-23 v1.0 Errata to the 2023 version 1.0 SCT IGs DownloadPDF | 529.29 KB
EPC144-22 v1.0 Addendum to EPC115-06 SCT Inter-PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 748.97 KB
Implementation Guidelines 13 December 2021| Version 2021 V1.0 SEPA Credit Transfer Scheme Inter-PSP Implementation Guidelines 2021 version 1.0 Implementation Guidelines Credit transfer EPC115-06 SCT Inter-PSP IG 2021 V1.0 DownloadPDF | 4.04 MB EPC080-21v1.0 Errata to the 2021 Version 1.0 SCT IGs DownloadPDF | 583.76 KB ECP115-06_2021 SCT InterPSP IG 2021 V1.0 XSD_Update_26112021 DownloadZIP | 234.33 KB
Rulebooks 18 January 2022| Version v0.1 Public consultation on the [Instant] Euro One-Leg Out Credit Transfer Arrangement Rulebook Rulebooks One-Leg Out Instant Credit Transfer (OCT Inst) Credit transfer Instant credit transfer Public consultation EPC145-21 [Instant] Euro One-Leg Out Credit Transfer Arrangement Rulebook v0.1 - for public consultation DownloadPDF | 2.24 MB EPC208-21 Max. Amount for Instant Euro OCT Instructions under the [Inst] Euro OCT Arrangement RB - for public consultation DownloadPDF | 219.38 KB EPC013-22 [Inst] Euro OCT Arrangement rulebook - Response template for public consultation DownloadDOCX | 207.35 KB
EPC145-21 [Instant] Euro One-Leg Out Credit Transfer Arrangement Rulebook v0.1 - for public consultation DownloadPDF | 2.24 MB
EPC208-21 Max. Amount for Instant Euro OCT Instructions under the [Inst] Euro OCT Arrangement RB - for public consultation DownloadPDF | 219.38 KB
EPC013-22 [Inst] Euro OCT Arrangement rulebook - Response template for public consultation DownloadDOCX | 207.35 KB
Reports 08 December 2022 Yearly update of the “Payment Threats and Fraud Trends Report” Reports Cards Contactless payments Credit transfer Direct debit Instant credit transfer Mobile Security SEPA Request-to-Pay (SRTP) Payment System Security Group (PSSG) EPC183-22 v1.0 2022 Payments Threats and Fraud Trends Report DownloadPDF | 1.22 MB
Rulebooks 26 November 2020| Version v1.0 2021 SEPA Credit Transfer rulebook version 1.0 Rulebooks Credit transfer 2021 SCT Rulebook version 1.0 DownloadPDF | 1.3 MB
Guidance documents 29 November 2019 Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance (MSCT IG) Guidance documents Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Contactless payments Credit transfer Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Person-to-Person mobile payments EPC 269-19v1.0 Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance (MSCT IG) DownloadPDF | 4.28 MB
EPC 269-19v1.0 Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance (MSCT IG) DownloadPDF | 4.28 MB
Implementation Guidelines 30 June 2022| Version 2023 V1.0 SEPA Credit Transfer Customer-to-PSP Implementation Guidelines 2023 version 1.0 Implementation Guidelines Credit transfer EPC132-08 SCT C2PSP IG 2023 V1.0 DownloadPDF | 2.07 MB EPC132-08 SCT C2PSP IG 2023 V1.0 XSD UPDATE DownloadZIP | 67.33 KB EPC143-22 v1.0 Addendum to EPC132-08 SCT C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 419.39 KB EPC050-23 v1.0 Errata to the 2023 version 1.0 SCT IGs DownloadPDF | 529.29 KB
EPC143-22 v1.0 Addendum to EPC132-08 SCT C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 419.39 KB
Other 30 May 2023| Version v 6.0 Guide for Adherence to the SEPA Credit Transfer scheme, the SEPA Instant Credit Transfer scheme, the SEPA Direct Debit schemes and the One-Leg Out Instant Credit Transfer Other Adherence Credit transfer Direct debit Instant credit transfer One-Leg Out Instant Credit Transfer (OCT Inst) EPC012-17 Adherence Guide to the EPC Payment Schemes v6.0 DownloadPDF | 579.97 KB
Guidance documents 10 January 2023 Specification of QR-codes for Mobile (Instant) Credit Transfers (MCTs) submitted to ISO Guidance documents Credit transfer Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments Request-To-Pay Multi-Stakeholder Group (RTP MSG) Specification of QR-codes for Mobile (Instant) Credit Transfers (MSCTs) in ISO format (EPC193-22v1.2) DownloadPDF | 1000.79 KB
Specification of QR-codes for Mobile (Instant) Credit Transfers (MSCTs) in ISO format (EPC193-22v1.2) DownloadPDF | 1000.79 KB
Implementation Guidelines 26 November 2020| Version 2021 V1.0 SEPA Credit Transfer Scheme Customer-to-PSP Implementation Guidelines 2021 version 1.0 Implementation Guidelines Credit transfer EPC132-08 SCT C2PSP IG 2021 V1.0 DownloadPDF | 1.9 MB EPC132-08 SCT C2PSP IG 2021 V1.0 XSD Update DownloadZIP | 50.38 KB EPC080-21v1.0 Errata to the 2021 Version 1.0 SCT IGs DownloadPDF | 583.76 KB
Minutes and agendas 14 April 2022 Agenda and minutes of the first meeting of the Scheme Technical Player Multi-Stakeholder Group (March 2022) Minutes and agendas Credit transfer Direct debit One-Leg Out Instant credit transfer SEPA Proxy Lookup (SPL) Scheme Technical Player Multi-Stakeholder Group (STP MSG) SEPA Request-to-Pay (SRTP) STP MSG 001-22 Agenda 1st STP MSG meeting 2022-03-03 DownloadPDF | 192.61 KB STP MSG 002-22 Minutes 1st STP MSG meeting 03 March 2022 DownloadPDF | 412.12 KB
Reports 06 December 2021| Version v1.0 2021 Payment Threats and Fraud Trends Report Reports Cards Contactless payments Credit transfer Direct debit Mobile Instant credit transfer Security SEPA Request-to-Pay (SRTP) Payment System Security Group (PSSG) EPC193-21 v1.0 2021 Payments Threats and Fraud Trends DownloadPDF | 1.18 MB
Guidance documents 08 March 2022| Version 11.0 Guidelines on cryptographic algorithms usage and key management Guidance documents Cards Contactless payments Credit transfer Direct debit Instant credit transfer Mobile Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments SDD mandate Security EPC342-08 v11.0 Guidelines on Cryptographic Algorithms Usage and Key Management. DownloadPDF | 1010.01 KB
EPC342-08 v11.0 Guidelines on Cryptographic Algorithms Usage and Key Management. DownloadPDF | 1010.01 KB
Guidance documents 08 December 2020| Version 1.0 Technical interoperability of MSCTs based on payer-presented data Guidance documents Contactless payments Credit transfer Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments Request-To-Pay Multi-Stakeholder Group (RTP MSG) EPC096-20v1.0 Technical interoperability of MSCTs based on payer-presented data DownloadPDF | 1.03 MB
EPC096-20v1.0 Technical interoperability of MSCTs based on payer-presented data DownloadPDF | 1.03 MB
Minutes and agendas 21 December 2021 Agenda and minutes of the 15th meeting of the EPC Scheme Technical Forum (September 2021) Minutes and agendas Credit transfer Direct debit EPC Scheme Technical Forum (ESTF) Instant credit transfer ESTF 003-21 Agenda 15th meeting EPC Scheme Technical Forum 2021-09-09 DownloadPDF | 168.01 KB ESTF 004-21 Minutes 15th ESTF meeting 09 September 2021 DownloadPDF | 398.57 KB
Minutes and agendas 26 May 2021 Agenda and minutes of the 14th meeting of the EPC Scheme Technical Forum (March 2021) Minutes and agendas Credit transfer Direct debit EPC Scheme Technical Forum (ESTF) Instant credit transfer ESTF 001-21 Agenda 14th meeting EPC Scheme Technical Forum 2021-03-24 DownloadPDF | 167.4 KB ESTF 002-21 Minutes 14th ESTF meeting 24 March 2021 DownloadPDF | 359.87 KB