Document library | European Payments Council

254 results

Guidance documents

16 March 2023

API Security Framework

Guidance documents

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

Card Fraud Prevention Forum (CFPF)

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

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

Guidance documents

16 February 2023|

Version

v3.0

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 v3.0 EPC guidance document - Migration to the 2019 Version of the ISO 20022-based XML Messaging Standard

DownloadPDF | 977.07 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

02 January 2023

EPC's member value proposition and EPC in a snapshot

Media and communication

EPC317-15 v5.0 EPC's member value proposition - updated Janaury 2023

DownloadPDF | 2.58 MB

EPC316-15 v7.2 EPC in a snapshot - updated January 2023

DownloadPDF | 1.16 MB

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

07 December 2022

SPAA MSG Membership List

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

EPC194-21 v2.2 SPAA MSG Membership List

DownloadPDF | 86.89 KB

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

DownloadZIP | 136.55 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

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

DownloadZIP | 56.1 KB

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

DownloadPDF | 389.39 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

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