Document library | European Payments Council

281 results

Implementation Guidelines

03 March 2023

SEPA Request-to-Pay Implementation Guidelines Version 3.0

Implementation Guidelines

SEPA Request-to-Pay (SRTP)

EPC258-22 Payee-Payee’s RTP SP SRTP IG V3.0

DownloadPDF | 7.96 MB

EPC258-22 Payee-Payee’s RTP SP SRTP IG V3.0 XSD

DownloadZIP | 235.22 KB

EPC259-22 Inter-RTP SP SRTP IG V3.0

DownloadPDF | 6.21 MB

EPC259-22 Inter-RTP SP SRTP IG V3.0 XSD

DownloadZIP | 188.2 KB

EPC260-22 Payer-Payer’s RTP SP SRTP IG V3.0

DownloadPDF | 3.07 MB

EPC260-22 Payer-Payer’s RTP SP SRTP IG V3.0 XSD

DownloadZIP | 64.99 KB

Minutes and agendas

21 February 2023

Agenda of the 21st meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 17 February 2023

Minutes and agendas

SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG)

SPAA MSG 005-23 v1.0 Approved Agenda 21st Meeting of the SPAA MSG - 17 February 2023

DownloadPDF | 225.86 KB

Minutes and agendas

21 February 2023

Minutes of the 20th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 03 February 2023

Minutes and agendas

SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG)

SPAA MSG 004-23 v1.0 Minutes 20th Meeting of the SPAA MSG - 03 February 2023

DownloadPDF | 363.75 KB

Guidance documents

16 February 2023|

Version

v2.0

Clarification Paper on the Use of Slashes in References, Identifications and Identifiers

Guidance documents

Credit transfer

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

Guidance documents

16 February 2023|

Version

4.0

EPC Recommendation on ISO 20022 Customer Reporting of SCTs and SDDs

Guidance documents

Credit transfer

Instant credit transfer

EPC188-09 v4.0 Recommendation on Customer Reporting SCTs and SDDs

DownloadPDF | 826.39 KB

Minutes and agendas

08 February 2023

Minutes of the 19th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 20 January 2023

Minutes and agendas

SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG)

SPAA MSG 002-23 v1.0 Minutes 19th Meeting of the SPAA MSG - 20 January 2023

DownloadPDF | 395.44 KB

Minutes and agendas

08 February 2023

Agenda of the 20th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 03 February 2023

Minutes and agendas

SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG)

SPAA MSG 003-23 v1.0 Approved Agenda 20th Meeting of the SPAA MSG - 03 February 2023

DownloadPDF | 176.74 KB

Minutes and agendas

07 February 2023

Agenda and Minutes of the 35th, 36th and 37th MSG MSCT Plenary meeting

Minutes and agendas

Instant credit transfer

SEPA Proxy Lookup (SPL)

Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT)

Person-to-Person mobile payments

Agenda 35th MSG MSCT Plenary meeting – 6 October 2022 (MSG MSCT 080-22)

DownloadPDF | 228.05 KB

Minutes 35th MSG MSCT Plenary meeting – 6 October 2022 (MSG MSCT 081-22)

DownloadPDF | 469.25 KB

Agenda 36th MSG MSCT Plenary meeting – 3 November 2022 (MSG MSCT 090-22)

DownloadPDF | 241.92 KB

Minutes 36th MSG MSCT Plenary meeting – 3 November 2022 (MSG MSCT 091-22)

DownloadPDF | 462.93 KB

Agenda 37th MSG MSCT Plenary meeting – 6 December 2022 (MSG MSCT 100-22)

DownloadPDF | 276.68 KB

Minutes 37th MSG MSCT Plenary meeting – 6 December 2022 (MSG MSCT 101-22)

DownloadPDF | 485.49 KB

Minutes and agendas

24 January 2023

Minutes of the 16th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 24 October 2022

Minutes and agendas

SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG)

SPAA MSG 032-22 v1.0 Minutes 16th Meeting of the SPAA MSG - 24 October 2022

DownloadPDF | 345.68 KB

Minutes and agendas

24 January 2023

Agenda of the 19th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 20 January 2023

Minutes and agendas

SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG)

SPAA MSG 001-23 v1.0 Approved Agenda 19th Meeting of the SPAA MSG - 20 January 2023

DownloadPDF | 180.17 KB

Minutes and agendas

24 January 2023

Minutes of the 18th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 05 December 2022

Minutes and agendas

SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG)

SPAA MSG 036-22 v1.0 Minutes 18th Meeting of the SPAA MSG - 5 December 2022

DownloadPDF | 387.41 KB

Minutes and agendas

24 January 2023

Minutes of the 15th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 04 October 2022

Minutes and agendas

SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG)

SPAA MSG 027-22 v1.0 Minutes 15th Meeting of the SPAA MSG - 04 October 2022

DownloadPDF | 348.68 KB

Guidance documents

10 January 2023

Public consultation on draft document “Interoperability of MSCTs based on NFC or BLE”

Guidance documents

Instant credit transfer

SEPA Proxy Lookup (SPL)

Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT)

Person-to-Person mobile payments

Public consultation

Request-To-Pay Multi-Stakeholder Group (RTP MSG)

Interoperability of MSCTs based on NFC or BLE (EPC287-22v0.18)

DownloadPDF | 4.28 MB

Feedback questionnaire on Interoperability of MSCTs based on NFC or BLE (MSG MSCT 102-22v1.0)

DownloadDOCX | 349.28 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

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

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

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

05 January 2023

Membership of the EPC Board

EPC Board Membership List

DownloadPDF | 195.54 KB

02 January 2023|

Version

v4.0

EPC List of SEPA Scheme Countries

Credit transfer

Instant credit transfer

EPC409-09 EPC List of SEPA Scheme Countries v4.0

DownloadPDF | 306.07 KB

22 December 2022|

Version

1.0

Overview of the 2022 public consultation comments on the draft SPAA Scheme Rulebook

Public consultation

SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG)

EPC202-22 v1.0 Overview 2022 Public Consultation Comments on the Draft SPAA Scheme Rulebook

DownloadXLSX | 310.88 KB

20 December 2022

EPC Press release: Renewal of the European Payments Council’s Chair and Vice-Chair mandates

EPC290-22_Press release

DownloadPDF | 208.4 KB

16 December 2022

Public consultation on the extension of SCA related sections in version 1.0 of the SPAA scheme rulebook

Public consultation

SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG)

EPC276-22 v1.0 Public consultation on the extension of SCA related sections in version 1.0 of the SPAA scheme rulebook

DownloadPDF | 362 KB

EPC285-22 v1.0 Response template for the public consultation on the extension of SCA related sections in version 1.0 of the SPAA scheme rulebook

DownloadDOCX | 205.42 KB

14 December 2022

Profile – Independent member of Payment Scheme Management Board

Payment Scheme Management Board (PSMB)

EPC289-22 Profile – independent member of Payment Scheme Management Board

DownloadPDF | 191.63 KB

12 December 2022

Terms of Reference SEPA Proxy Lookup Scheme Participants Group

SEPA Proxy Lookup Scheme Participant Group (SPL SPG)

EPC275-22 ToR SPL Scheme Participants Group (SPL SPG) v1.0

DownloadPDF | 262.09 KB

08 December 2022

Yearly update of the “Payment Threats and Fraud Trends Report”

Contactless payments

Credit transfer

Instant credit transfer

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

Minutes and agendas

07 December 2022

Agenda of the 16th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 24 October 2022

Minutes and agendas

SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG)

SPAA MSG 028-22 v1.0 Approved Agenda 16th Meeting of the SPAA MSG - 24 October 2022

DownloadPDF | 161.51 KB

Minutes and agendas

07 December 2022

Agenda of the 18th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 05 December 2022

Minutes and agendas

SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG)

SPAA MSG 033-22 v1.0 Approved Agenda 18th Meeting of the SPAA MSG - 5 December 2022

DownloadPDF | 164.21 KB

Minutes and agendas

07 December 2022

Minutes of the 17th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 02 November 2022

Minutes and agendas

SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG)

SPAA MSG 034-22 v1.0 Minutes 17th Meeting of the SPAA MSG - 02 November 2022

DownloadPDF | 352.51 KB

Minutes and agendas

07 December 2022

Agenda of the 17th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 02 November 2022

Minutes and agendas

SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG)

SPAA MSG 030-22 v1.0 Approved Agenda 17th Meeting of the SPAA MSG - 2 November 2022

DownloadPDF | 159.15 KB

01 December 2022

Call for Change Requests to the SEPA Request-to-Pay (SRTP) Scheme Rulebook (version 3.0)

SEPA Request-to-Pay (SRTP)

EPC267-22 v1.0 SRTP Scheme Change Request Template

DownloadDOCX | 429.41 KB

30 November 2022|

Version

v1.0

The SEPA Payment Account Access (SPAA) Scheme Rulebook

SEPA Payment Account Access (SPAA)

EPC012-22 v1.0 SEPA Payment Account Access Scheme Rulebook

DownloadPDF | 1.54 MB

29 November 2022

Profile - independent member of Dispute Resolution Committee

Dispute Resolution Committee (DRC)

EPC268-22 Profile – independent member of Dispute Resolution Committee

DownloadPDF | 185.99 KB

24 November 2022

2022 Public Consultation – SRTP Scheme Change Proposal Submission Document

SEPA Request-to-Pay (SRTP)

EPC156-22 v1.0 Change Proposal Submission Document following the 2022 Public Consultation on SRTP Scheme Rulebook 2022 Change Requests

DownloadPDF | 1.02 MB

24 November 2022|

Version

v3.0

The SEPA Request-to-Pay scheme rulebook version v3.0

SEPA Request-to-Pay (SRTP)

EPC014-20 v3.0 SEPA RTP Scheme Rulebook

DownloadPDF | 1.95 MB

Guidance documents

03 November 2022|

Version

v4.0

Guidance on reason codes for SEPA Credit Transfer R-transactions

Guidance documents

Credit transfer

EPC135-18 v4.0 Guidance on Reason Codes for SCT R-transactions

DownloadPDF | 421.33 KB

Guidance documents

03 November 2022|

Version

v4.0

Guidance on reason codes for SEPA Instant Credit Transfer R-transactions

Guidance documents

Instant credit transfer

EPC059-18 v4.0 Guidance on Reason Codes for SCT Inst R-transactions

DownloadPDF | 429.34 KB

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

03 November 2022|

Version

v3.0

Clarification paper on SEPA Direct Debit Core and SEPA Direct Debit Business-to-Business rulebooks

Guidance documents

EPC132-17 v3.0 Clarification Paper SDD Core and SDD B2B scheme rulebooks

DownloadPDF | 563.77 KB

Implementation Guidelines

27 October 2022|

Version

v.2023 V.1.1

SEPA Instant Credit Transfer Inter-PSP Implementation Guidelines 2023 version 1.1

Implementation Guidelines

Instant credit transfer

EPC122-16 SCT Inst Inter-PSP IG 2023 V1.1

DownloadPDF | 2.45 MB

EPC122-16 SCT Inst Inter-PSP IG 2023 V1.0 XSD UPDATE

DownloadZIP | 137.03 KB

EPC146-22 v1.0 Addendum to EPC122-16 SCT Inst Inter-PSP IG 2023 V1.0 - List of detailed changes

DownloadPDF | 515.67 KB

EPC053-23 v1.0 Errata to the 2023 version 1.0 SCT Inst IGs

DownloadPDF | 568.07 KB

Implementation Guidelines

27 October 2022|

Version

v.2023 V.1.1

SEPA Instant Credit Transfer Customer-to-PSP Implementation Guidelines 2023 version 1.1

Implementation Guidelines

Instant credit transfer

EPC121-16 SCT Inst C2PSP IG 2023 V1.1

DownloadPDF | 2.09 MB

EPC121-16 SCT Inst C2PSP IG 2023 V1.0 XSD UPDATE

DownloadZIP | 56.31 KB

EPC145-22 v1.0 Addendum to EPC121-16 SCT Inst C2PSP IG 2023 V1.0 - List of detailed changes

DownloadPDF | 389.39 KB

EPC053-23 v1.0 Errata to the 2023 version 1.0 SCT Inst IGs

DownloadPDF | 568.07 KB

27 October 2022|

Version

v3.1

Maximum Amount for Instructions under the 2023 SEPA Instant Credit Transfer Rulebook version 1.1

Instant credit transfer

EPC023-16 Max Amount for Instructions under 2023 SCT Inst Rulebook v1.1

DownloadPDF | 195.15 KB

27 October 2022|

Version

v1.1

2023 SEPA Instant Credit Transfer rulebook version 1.1

Instant credit transfer

EPC004-16 2023 SCT Instant Rulebook v1.1

DownloadPDF | 1.49 MB

27 October 2022|

Version

v1.2

2021 SEPA Instant Credit Transfer rulebook version 1.2

Instant credit transfer

EPC004-16 2021 SCT Instant Rulebook v1.2

DownloadPDF | 1.53 MB

Guidance documents

27 October 2022|

Version

v1.0

Guidance on the use of structured addresses under the SEPA payment schemes as of November 2025

Guidance documents

Credit transfer

Instant credit transfer

EPC153-22 EPC guidance document - Use of Structured Address under the SEPA Payment Schemes as of Nov 2025

DownloadPDF | 267.14 KB

Minutes and agendas

20 October 2022

Agenda and minutes of the second meeting of the Scheme Technical Player Multi-Stakeholder Group (September 2022)

Minutes and agendas

Credit transfer

Instant credit transfer

SEPA Proxy Lookup (SPL)

Scheme Technical Player Multi-Stakeholder Group (STP MSG)

SEPA Request-to-Pay (SRTP)

STP MSG 003-22 Agenda 2nd STP MSG meeting 2022-09-07

DownloadPDF | 192.42 KB

STP MSG 004-22 Minutes 2nd STP MSG meeting 07 September 2022

DownloadPDF | 308.75 KB

Minutes and agendas

20 October 2022

Agenda and minutes of the second meeting of the Scheme End-User Multi-Stakeholder Group (September 2022)

Minutes and agendas

Credit transfer

Instant credit transfer

SEPA Proxy Lookup (SPL)

Scheme End-User Multi-Stakeholder Group (SEU MSG)

SEPA Request-to-Pay (SRTP)

SEU MSG 003-22 Agenda 2nd SEU MSG meeting 2022-09-12

DownloadPDF | 195.91 KB

SEU MSG 004-22 Minutes 2nd SEU MSG meeting 12 September 2022

DownloadPDF | 280.91 KB

Minutes and agendas

13 October 2022

Agenda and Minutes of the 34th MSG MSCT Plenary meeting

Minutes and agendas

Instant credit transfer

SEPA Proxy Lookup (SPL)

Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT)

Person-to-Person mobile payments

Agenda 34th MSG MSCT Plenary meeting – 23 August 2022 (MSG MSCT 070-22)

DownloadPDF | 227.39 KB

Minutes 34th MSG MSCT Plenary meeting – 23 August 2022 (MSG MSCT 071-22)

DownloadPDF | 512.32 KB

Minutes and agendas

10 October 2022

Minutes of the 14th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 12 August 2022

Minutes and agendas

SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG)

SPAA MSG 023-22 v1.0 Minutes 14th Meeting of the SPAA MSG - 12 August 2022

DownloadPDF | 346.09 KB

Minutes and agendas

10 October 2022

Agenda of the 15th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 04 October 2022

Minutes and agendas

SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG)

SPAA MSG 025-22 v1.0 Agenda 15th Meeting of the SPAA MSG - 04 October 2022

DownloadPDF | 160.29 KB

Guidance documents

13 September 2022|

Version

v3.0

Quick Response Code: Guidelines to Enable Data Capture for the Initiation of a SEPA Credit Transfer

Guidance documents

Credit transfer

EPC069-12 v3.0 Quick Response Code - Guidelines to Enable the Data Capture for the Initiation of an SCT

DownloadPDF | 431.78 KB

12 September 2022|

Version

1.0

EPC Glossary of acronyms

Media and communication

EPC089-22 EPC Glossary of acronyms

DownloadPDF | 666.66 KB

Minutes and agendas

07 September 2022

Agenda and Minutes of the 32nd and 33rd MSG MSCT Plenary meetings

Minutes and agendas

Agenda 32nd MSG MSCT Plenary meeting – 23 May 2022 (MSG MSCT 051-22)

DownloadPDF | 225.08 KB

Minutes 32nd MSG MSCT Plenary meeting – 23 May 2022 (MSG MSCT 052-22)

DownloadPDF | 474.9 KB

Agenda 33rd MSG MSCT Plenary meeting – 20 June 2022 (MSG MSCT 059-22)

DownloadPDF | 226.63 KB

Minutes 33rd MSG MSCT Plenary meeting – 20 June 2022 (MSG MSCT 060-22)

DownloadPDF | 452.88 KB

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