Document library | European Payments Council

104 results

06 December 2023|

Version

1.0

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)

EPC181-23 v1.0 2023 Payments Threats and Fraud Trends Report

DownloadPDF | 1.17 MB

Minutes and agendas

30 November 2023

Agenda and minutes of the fourth meeting of the Scheme End-User Multi-Stakeholder Group (September 2023)

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)

One-Leg Out Instant Credit Transfer (OCT Inst)

SEU MSG 003-23 Agenda 4th SEU MSG meeting 2023-09-12

DownloadPDF | 195.17 KB

SEU MSG 004-23 Minutes 4th SEU MSG meeting 12 September 2023

DownloadPDF | 234.12 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

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

7.0

Guidance on reason codes for SEPA Direct Debit R-transactions

Guidance documents

EPC173-14 v7.0 Guidance on Reason Codes for SDD R-transactions

DownloadPDF | 429.83 KB

Guidance documents

14 November 2023|

Version

v4.1

EPC Recommendation on ISO 20022 Customer Reporting of SCTs and SDDs

Guidance documents

Credit transfer

Instant credit transfer

EPC188-09 version 4.1

DownloadPDF | 895.13 KB

Implementation Guidelines

14 November 2023

SEPA Direct Debit Core Inter-PSP Implementation Guidelines 2023 version 1.1

Implementation Guidelines

EPC114-06 SDD Core Inter-PSP IG 2023 V1.1

DownloadPDF | 1.57 MB

EPC114-06 SDD Core Inter-PSP IG 2023 V1.0 XSD UPDATE

DownloadZIP | 61.67 KB

EPC148-22 v1.0 Addendum to EPC114-06 SDD Core Inter-PSP IG 2023 V1.0 - List of detailed changes

DownloadPDF | 352.24 KB

EPC057-23 v1.0 Errata to the 2023 version 1.0 SDD Core IGs

DownloadPDF | 556.02 KB

Implementation Guidelines

14 November 2023|

Version

2023 V1.1

SEPA Direct Debit Core E-Mandate Service Implementation Guidelines 2023 version 1.1

Implementation Guidelines

EPC002-09 SDD Core e-Mandate Service IG 2023 V1.1

DownloadPDF | 1.91 MB

EPC002-09 SDD Core e-Mandate Service IG 2023 V1.0 XSD

DownloadZIP | 36.48 KB

EPC149-22 v1.0 Addendum to EPC002-09 SDD Core E-Mandate IG 2023 V1.0 - List of detailed changes

DownloadPDF | 375.84 KB

Implementation Guidelines

14 November 2023|

Version

2023 V1.1

SEPA Direct Debit Core Customer-to-PSP Implementation Guidelines 2023 version 1.1

Implementation Guidelines

EPC130-08 SDD Core C2PSP IG 2023 V1.1

DownloadPDF | 1.54 MB

EPC130-08 SDD Core C2PSP IG 2023 V1.0 XSD

DownloadZIP | 45.33 KB

EPC147-22 v1.0 Addendum to EPC130-08 SDD Core C2PSP IG 2023 V1.0 - List of detailed changes

DownloadPDF | 331.61 KB

EPC057-23 v1.0 Errata to the 2023 version 1.0 SDD Core IGs

DownloadPDF | 556.02 KB

Implementation Guidelines

14 November 2023|

Version

2023 V1.1

SEPA Direct Debit Business-to-Business Inter-PSP Implementation Guidelines 2023 version 1.1

Implementation Guidelines

EPC301-07 SDD B2B Inter-PSP IG 2023 V1.1

DownloadPDF | 1.6 MB

EPC301-07 SDD B2B Inter-PSP IG 2023 V1.0 XSD

DownloadZIP | 59.85 KB

EPC151-22 v1.0 Addendum to EPC301-07 SDD B2B Inter-PSP IG 2023 V1.0 - List of detailed changes

DownloadPDF | 347.95 KB

EPC058-23 v1.0 Errata to the 2023 version 1.0 SDD B2B IGs

DownloadPDF | 682.93 KB

Implementation Guidelines

14 November 2023|

Version

2023 V1.1

SEPA Direct Debit Business-to-Business E-Mandate Service Implementation Guidelines 2023 version 1.1

Implementation Guidelines

EPC129-09 SDD B2B e-Mandate Service IG 2023 V1.1

DownloadPDF | 1.87 MB

EPC129-09 SDD B2B e-Mandate Service IG 2023 V1.0 XSD

DownloadZIP | 36.82 KB

EPC152-22 v1.0 Addendum to EPC129-06 SDD B2B E-Mandate IG 2023 V1.0 - List of detailed changes

DownloadPDF | 365.81 KB

Implementation Guidelines

14 November 2023|

Version

2023 V1.1

SEPA Direct Debit Business-to-Business Customer-to-PSP Implementation Guidelines 2023 version 1.1

Implementation Guidelines

EPC131-08 SDD B2B C2PSP IG 2023 V1.1

DownloadPDF | 1.69 MB

EPC131-08 SDD B2B C2PSP IG 2023 V1.0 XSD

DownloadZIP | 44.95 KB

EPC150-22 v1.0 Addendum to EPC131-08 SDD B2B C2PSP IG 2023 V1.0 - List of detailed changes

DownloadPDF | 365.66 KB

EPC058-23 v1.0 Errata to the 2023 version 1.0 SDD B2B IGs

DownloadPDF | 682.93 KB

14 November 2023|

Version

3.0

Payment Scheme Participation Fees - Policy and Invoicing Guidelines

Credit transfer

Instant credit transfer

EPC194-15 EPC Payment Scheme Participation Fees - Invoicing policy and guidelines v3.0

DownloadPDF | 462.51 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

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

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

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

14 November 2023|

Version

1.1

2023 SEPA Direct Debit Business-to-Business rulebook version 1.1

EPC222-07 2023 SDD B2B Rulebook version 1.1

DownloadPDF | 3 MB

14 November 2023|

Version

1.1

2023 SEPA Direct Debit Core rulebook version 1.1

EPC016-06 2023 SDD Core Rulebook version 1.1

DownloadPDF | 2.46 MB

14 November 2023|

Version

1.3

2021 SEPA Direct Debit Business-to-Business rulebook version 1.3

EPC222-07 2021 SDD B2B Rulebook version 1.3

DownloadPDF | 2.26 MB

14 November 2023|

Version

1.3

2021 SEPA Direct Debit Core rulebook version 1.3

EPC016-06 2021 SDD Core Rulebook version 1.3

DownloadPDF | 2.05 MB

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

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

Minutes and agendas

06 June 2023

Agenda and minutes of the third meeting of the Scheme End-User Multi-Stakeholder Group (March 2023)

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)

One-Leg Out Instant Credit Transfer (OCT Inst)

SEU MSG 001-23 Agenda 3rd SEU MSG meeting 2023-03-28

DownloadPDF | 169.21 KB

SEU MSG 002-23 Minutes 3rd SEU MSG meeting 28 March 2023

DownloadPDF | 302.06 KB

30 May 2023|

Version

v4.0

SEPA Direct Debit Business-to-Business scheme adherence pack

SDD B2B scheme adherence document templates

DownloadZIP | 95.88 KB

30 May 2023|

Version

v4.0

SEPA Direct Debit Core scheme adherence pack

SDD Core scheme adherence document templates

DownloadZIP | 92.81 KB

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

Credit transfer

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

23 May 2023|

Version

v2.0

Membership of the Payment Scheme Management Board

Credit transfer

Instant credit transfer

EPC099-23 v2.0 PSMB Membership List

DownloadPDF | 238.32 KB

25 April 2023|

Version

v5.0

SEPA Payment Scheme Management Rules

Credit transfer

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 SEPA Payment Scheme Management Rules v4.5

DownloadPDF | 427.86 KB

EPC207-14 v5.0 EPC Payment Scheme Management Rules

DownloadPDF | 519.01 KB

28 March 2023|

Version

v1.1

Template to Propose a Change to the EPC Payment Scheme Rulebooks

Credit transfer

Instant credit transfer

Public consultation

EPC164-21 v1.1 EPC payment scheme change request template

DownloadDOCX | 429.86 KB

28 March 2023|

Version

v1.0

Disclosure of Intent to Offer Messaging Services to EPC Payment Scheme-compliant Clearing and Settlement Mechanisms

Credit transfer

Instant credit transfer

Letter EPC150-22 Model Disclosure Letter to offer messaging services to EPC payment scheme-compliant CSMs

DownloadDOCX | 27.31 KB

28 March 2023|

Version

v1.0

Disclosure of Intent to be an EPC Payment Scheme-compliant CSM

Credit transfer

Instant credit transfer

Letter EPC149-22 Model Disclosure Letter for EPC payment scheme-compliant CSMs

DownloadDOCX | 28.26 KB

Guidance documents

13 March 2023|

Version

v12.0

Yearly update of the “Guidelines on cryptographic algorithms usage and key management”

Guidance documents

Contactless payments

Credit transfer

Instant credit transfer

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

EPC342-08 v12.0 Guidelines on Cryptographic Algorithms Usage and Key Management

DownloadPDF | 1.55 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

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

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

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

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

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

Implementation Guidelines

22 June 2022|

Version

2023 V1.0

SEPA Direct Debit Core Inter-PSP Implementation Guidelines 2023 version 1.0

Implementation Guidelines

EPC114-06 SDD Core Inter-PSP IG 2023 V1.0

DownloadPDF | 1.57 MB

EPC114-06 SDD Core Inter-PSP IG 2023 V1.0 XSD UPDATE

DownloadZIP | 61.67 KB

EPC148-22 v1.0 Addendum to EPC114-06 SDD Core Inter-PSP IG 2023 V1.0 - List of detailed changes

DownloadPDF | 352.24 KB

EPC057-23 v1.0 Errata to the 2023 version 1.0 SDD Core IGs

DownloadPDF | 556.02 KB

Implementation Guidelines

22 June 2022|

Version

2023 V1.0

SEPA Direct Debit Core E-Mandate Service Implementation Guidelines 2023 version 1.0

Implementation Guidelines

EPC002-09 SDD Core e-Mandate Service IG 2023 V1.0

DownloadPDF | 1.92 MB

EPC002-09 SDD Core e-Mandate Service IG 2023 V1.0 XSD

DownloadZIP | 36.48 KB

EPC149-22 v1.0 Addendum to EPC002-09 SDD Core E-Mandate IG 2023 V1.0 - List of detailed changes

DownloadPDF | 375.84 KB

Implementation Guidelines

22 June 2022|

Version

2023 V1.0

SEPA Direct Debit Core Customer-to-PSP Implementation Guidelines 2023 version 1.0

Implementation Guidelines

EPC130-08 SDD Core C2PSP IG 2023 V1.0

DownloadPDF | 1.54 MB

EPC130-08 SDD Core C2PSP IG 2023 V1.0 XSD

DownloadZIP | 45.33 KB

EPC147-22 v1.0 Addendum to EPC130-08 SDD Core C2PSP IG 2023 V1.0 - List of detailed changes

DownloadPDF | 331.61 KB

EPC057-23 v1.0 Errata to the 2023 version 1.0 SDD Core IGs

DownloadPDF | 556.02 KB

Implementation Guidelines

22 June 2022|

Version

2023 V1.0

SEPA Direct Debit Business-to-Business Inter-PSP Implementation Guidelines 2023 version 1.0

Implementation Guidelines

EPC301-07 SDD B2B Inter-PSP IG 2023 V1.0

DownloadPDF | 1.59 MB

EPC301-07 SDD B2B Inter-PSP IG 2023 V1.0 XSD

DownloadZIP | 59.85 KB

EPC151-22 v1.0 Addendum to EPC301-07 SDD B2B Inter-PSP IG 2023 V1.0 - List of detailed changes

DownloadPDF | 347.95 KB

EPC058-23 v1.0 Errata to the 2023 version 1.0 SDD B2B IGs

DownloadPDF | 682.93 KB

Implementation Guidelines

22 June 2022|

Version

2023 V1.0

SEPA Direct Debit Business-to-Business E-Mandate Service Implementation Guidelines 2023 version 1.0

Implementation Guidelines

EPC129-09 SDD B2B e-Mandate Service IG 2023 V1.0

DownloadPDF | 1.87 MB

EPC129-09 SDD B2B e-Mandate Service IG 2023 V1.0 XSD

DownloadZIP | 36.82 KB

EPC152-22 v1.0 Addendum to EPC129-06 SDD B2B E-Mandate IG 2023 V1.0 - List of detailed changes

DownloadPDF | 365.81 KB

Implementation Guidelines

22 June 2022|

Version

2023 V1.0

SEPA Direct Debit Business-to-Business Customer-to-PSP Implementation Guidelines 2023 version 1.0

Implementation Guidelines

EPC131-08 SDD B2B C2PSP IG 2023 V1.0

DownloadPDF | 1.67 MB

EPC131-08 SDD B2B C2PSP IG 2023 V1.0 XSD

DownloadZIP | 44.95 KB

EPC150-22 v1.0 Addendum to EPC131-08 SDD B2B C2PSP IG 2023 V1.0 - List of detailed changes

DownloadPDF | 365.66 KB

EPC058-23 v1.0 Errata to the 2023 version 1.0 SDD B2B IGs

DownloadPDF | 682.93 KB

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