Guidance documents 31 May 2023| Version 3.0 Clarification Paper on the SEPA Request-to-Pay scheme rulebook Guidance documents SEPA Request-to-Pay (SRTP) EPC216-20 v3.0 Clarification Paper SRTP Rulebook DownloadPDF | 1.51 MB
Guidance documents 09 May 2023| Version v3.1 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 v3.1 EPC guidance document - Migration to the 2019 Version of ISO 20022-based XML Messaging Standard DownloadPDF | 865.12 KB
EPC087-22 v3.1 EPC guidance document - Migration to the 2019 Version of ISO 20022-based XML Messaging Standard DownloadPDF | 865.12 KB
Guidance documents 16 March 2023 API Security Framework Guidance documents Security SEPA Request-to-Pay (SRTP) SEPA Payment Account Access (SPAA) EPC164-22 v1.0 API Security Framework DownloadPDF | 530.15 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
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
Guidance documents 16 February 2023| Version 4.0 EPC Recommendation on ISO 20022 Customer Reporting of SCTs and SDDs Guidance documents Credit transfer Direct debit Instant credit transfer EPC188-09 v4.0 Recommendation on Customer Reporting SCTs and SDDs DownloadPDF | 826.39 KB
Guidance documents 10 January 2023 Public consultation on draft document “Interoperability of MSCTs based on NFC or BLE” Guidance documents Instant credit transfer Mobile 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
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 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
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
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 Direct debit SDD mandate EPC132-17 v3.0 Clarification Paper SDD Core and SDD B2B scheme rulebooks DownloadPDF | 563.77 KB
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 Direct debit 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
EPC153-22 EPC guidance document - Use of Structured Address under the SEPA Payment Schemes as of Nov 2025 DownloadPDF | 267.14 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
EPC069-12 v3.0 Quick Response Code - Guidelines to Enable the Data Capture for the Initiation of an SCT DownloadPDF | 431.78 KB
Guidance documents 30 June 2022| Version 1.01 Default SRTP related API Specifications Guidance documents SEPA Request-to-Pay (SRTP) EPC137-22 v0.1 SRTP related API Specifications - Preliminary Information DownloadPDF | 558.48 KB
Guidance documents 30 May 2022| Version 2.0 Clarification Paper on the SEPA Request-to-Pay scheme rulebook Guidance documents SEPA Request-to-Pay (SRTP) EPC216-20v2.0 Clarification Paper SRTP Rulebook DownloadPDF | 556.83 KB
Guidance documents 25 May 2022| Version v1.0 Guidance to improve transparency for retail payment end-users Guidance documents Credit transfer Direct debit Instant credit transfer Scheme End-User Multi-Stakeholder Group (SEU MSG) EPC088-22 EPC guidance document - Improve Transparency for Retail Payment End-Users DownloadPDF | 677.37 KB
EPC088-22 EPC guidance document - Improve Transparency for Retail Payment End-Users DownloadPDF | 677.37 KB
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 21 February 2022 New release “Mobile Initiated SEPA (Instant) Credit Transfer Payments and Technical Interoperability Guidance (MSCT IG)” Guidance documents Instant credit transfer Mobile 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) Mobile Initiated SEPA (Instant) Credit Transfer Payments and Technical Interoperability Guidance – (EPC269-19v2.0) DownloadPDF | 10.47 MB
Mobile Initiated SEPA (Instant) Credit Transfer Payments and Technical Interoperability Guidance – (EPC269-19v2.0) DownloadPDF | 10.47 MB
Guidance documents 16 February 2022 Public consultation on draft document “Standardisation of QR-codes for MSCTs” Guidance documents Instant credit transfer Mobile 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) Standardisation of QR-codes for MSCTs (EPC024-22v0.6) DownloadPDF | 1.53 MB Feedback questionnaire Standardisation of QR-codes for MSCTs (MSG MSCT 011-22v1.0) DownloadDOCX | 346.29 KB
Feedback questionnaire Standardisation of QR-codes for MSCTs (MSG MSCT 011-22v1.0) DownloadDOCX | 346.29 KB
Guidance documents 01 December 2021 Business requirements for consumer selection of the payment instrument Guidance documents Mobile Cards Credit transfer Contactless payments Instant credit transfer Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) MSG MSCT 045-21v1.1 Business requirements - Consumer selection of preferred payment instrument DownloadPDF | 1.08 MB
MSG MSCT 045-21v1.1 Business requirements - Consumer selection of preferred payment instrument DownloadPDF | 1.08 MB
Guidance documents 29 November 2021 Standardisation and governance of QR-codes for Instant Payments at the Point of Interaction (IPs at the POI) Guidance documents Instant credit transfer Mobile Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments SEPA Proxy Lookup (SPL) Standardisation and governance of QR-codes for Instant Payments at the Point of Interaction (IPs at the POI) DownloadPDF | 1.45 MB
Standardisation and governance of QR-codes for Instant Payments at the Point of Interaction (IPs at the POI) DownloadPDF | 1.45 MB
Guidance documents 22 November 2021| Version v8.0 Guidelines for the appearance of mandates in the SEPA Direct Debit schemes Guidance documents Direct debit SDD mandate EPC392-08 v8.0 SDD Mandate Layout Guidelines DownloadPDF | 741.15 KB
Guidance documents 22 November 2021| Version v9.0 Creditor Identifier Overview Guidance documents Direct debit SDD mandate EPC262-08 v9.0 Creditor Identifier Overview DownloadPDF | 1.01 MB
Guidance documents 22 November 2021| Version v6.0 Guidance on reason codes for SEPA Direct Debit R-transactions Guidance documents Direct debit EPC173-14 v6.0 Guidance on Reason Codes for SDD R-transactions DownloadPDF | 347.24 KB
Guidance documents 08 July 2021 Public consultation on draft second release “Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance (MSCT IG)” Guidance documents Instant credit transfer Mobile 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) Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance – draft 2nd release (EPC269-21v1.14) DownloadPDF | 9.74 MB Feedback questionnaire New MSCT use cases and interoperability models (MSG MSCT 074-21v1.0) DownloadDOCX | 350.45 KB
Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance – draft 2nd release (EPC269-21v1.14) DownloadPDF | 9.74 MB
Feedback questionnaire New MSCT use cases and interoperability models (MSG MSCT 074-21v1.0) DownloadDOCX | 350.45 KB
Guidance documents 05 February 2021| Version 1.0 Clarification Paper on the SEPA Request-to-Pay scheme rulebook Guidance documents SEPA Request-to-Pay (SRTP) EPC216-20 v1.0 Clarification Paper SRTP Rulebook DownloadPDF | 811.51 KB
Guidance documents 17 December 2020| Version 1.0 FAQs to the EPC Adherence Guide Guidance documents Adherence Credit transfer Direct debit Instant credit transfer EPC250-20 FAQs to the EPC Adherence Guide DownloadPDF | 323.85 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
Guidance documents 28 May 2020| Version v1.0 Technical Interoperability for MSCTs based on payee-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 EPC312-19v1.0 - Technical Interoperability of MSCTs based on payee-presented data DownloadPDF | 818.49 KB
EPC312-19v1.0 - Technical Interoperability of MSCTs based on payee-presented data DownloadPDF | 818.49 KB
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
Guidance documents 27 November 2019 EIPP: report from the EIPP MSG Guidance documents Multi-stakeholder group on E-invoice Presentment and Payment (EIPP) EIPP MSG 026-19 EIPP MSG report 2019 v1.0 DownloadPDF | 701.23 KB
Guidance documents 26 November 2019 Request-to-Pay: specifications for a standardisation framework Guidance documents Request-To-Pay Multi-Stakeholder Group (RTP MSG) RTP MSG 005-19 RTP Specifications for a standardisation framework v1.0 DownloadPDF | 992.54 KB
Guidance documents 10 December 2018 API Evaluation Group: Recommended Functionalities (PSD2/RTS) Guidance documents API EG API EG 045-18 Recommended Functionalities 10 December 2018 DownloadPDF | 255.73 KB
Guidance documents 03 December 2018 eIDAS and TPP Identification (PSD2) Guidance documents API EG API EG 058-18 v1.0 eIDAS and TPP identification (PSD2) DownloadPDF | 97.49 KB
Guidance documents 02 July 2018 Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines Guidance documents Mobile Multi-stakeholder group on mobile contactless SEPA card payments (MSG MCP) Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines (EPC144-1777v1.0) DownloadPDF | 1.75 MB
Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines (EPC144-1777v1.0) DownloadPDF | 1.75 MB
Guidance documents 08 December 2016| Version v2.0 Privacy Shielding for Pin Entry Guidance documents Security Cards Cash EPC343-08 v2.0 Privacy Shielding for PIN entry DownloadPDF | 223.26 KB
Guidance documents 04 July 2016 Explanatory note on use of ‘COR1’ and ‘SMNDA’ in SDD R-transactions Guidance documents Direct debit EPC156-16 Explanatory note on use of COR1 and SMNDA in SDD R-transactions DownloadPDF | 157.95 KB
Guidance documents 10 May 2016 Single Euro Cash Area (SECA) Framework Guidance documents Cash Cash 021-05 v4.0 - SECA Framework 2016 DownloadPDF | 760.63 KB
Guidance documents 28 October 2013 SEPA Requirements for an Extended Character Set (UNICODE Subset) - Best Practices Guidance documents Credit transfer Direct debit EPC217-08 SEPA Conversion Table.xls DownloadXLS | 229.5 KB EPC217-08 Best practices SEPA Requirements for an Extended character set DownloadPDF | 132.95 KB
Guidance documents 02 October 2013 EPC Clarification Letter on Electronic Mandates to SEPA Direct Debit Scheme Participants Guidance documents Direct debit SDD mandate Letter EPC098-13 Clarification letter to SDD Scheme Participants.pdf DownloadPDF | 97.03 KB
Guidance documents 02 October 2010 Joint EPC-GSMA Paper 'Mobile Contactless Payments Service Management Roles - Requirements and Specifications' Guidance documents Mobile Contactless payments Mobile Contactless Payments Service Management Roles Requirements and Specifications v.2.pdf DownloadPDF | 3.7 MB
Mobile Contactless Payments Service Management Roles Requirements and Specifications v.2.pdf DownloadPDF | 3.7 MB
