Implementation Guidelines 14 November 2023| Version 2023 V1.1 SEPA Direct Debit Core Customer-to-PSP Implementation Guidelines 2023 version 1.1 Implementation Guidelines Direct debit 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
EPC147-22 v1.0 Addendum to EPC130-08 SDD Core C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 331.61 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 Direct debit 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
EPC151-22 v1.0 Addendum to EPC301-07 SDD B2B Inter-PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 347.95 KB
Implementation Guidelines 14 November 2023 SEPA Direct Debit Core Inter-PSP Implementation Guidelines 2023 version 1.1 Implementation Guidelines Direct debit 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
EPC148-22 v1.0 Addendum to EPC114-06 SDD Core Inter-PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 352.24 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 Direct debit 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
EPC150-22 v1.0 Addendum to EPC131-08 SDD B2B C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 365.66 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
Implementation Guidelines 22 June 2022| Version 2023 V1.0 SEPA Direct Debit Core Customer-to-PSP Implementation Guidelines 2023 version 1.0 Implementation Guidelines Direct debit 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
EPC147-22 v1.0 Addendum to EPC130-08 SDD Core C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 331.61 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 Direct debit 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
EPC151-22 v1.0 Addendum to EPC301-07 SDD B2B Inter-PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 347.95 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 Direct debit 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
EPC150-22 v1.0 Addendum to EPC131-08 SDD B2B C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 365.66 KB
Implementation Guidelines 22 June 2022| Version 2023 V1.0 SEPA Direct Debit Core Inter-PSP Implementation Guidelines 2023 version 1.0 Implementation Guidelines Direct debit 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
EPC148-22 v1.0 Addendum to EPC114-06 SDD Core Inter-PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 352.24 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 Direct debit 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
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 Core E-Mandate Service Implementation Guidelines 2023 version 1.1 Implementation Guidelines Direct debit 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
EPC149-22 v1.0 Addendum to EPC002-09 SDD Core E-Mandate IG 2023 V1.0 - List of detailed changes DownloadPDF | 375.84 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
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 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 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
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 Direct debit 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
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 Core E-Mandate Service Implementation Guidelines 2023 version 1.0 Implementation Guidelines Direct debit 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
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 26 November 2020| Version 2021 V1.0 SEPA Direct Debit Business-to-Business Scheme Inter-PSP Implementation Guidelines 2021 version 1.0 Implementation Guidelines Direct debit EPC301-07 SDD B2B Inter-PSP IG 2021 V1.0 DownloadPDF | 1.48 MB EPC301-07 SDD B2B Inter-PSP IG 2021 V1.0 XSD DownloadZIP | 52.93 KB
Implementation Guidelines 26 November 2020| Version 2021 V1.0 SEPA Direct Debit Core Scheme Inter-PSP Implementation Guidelines 2021 version 1.0 Implementation Guidelines Direct debit EPC114-06 SDD Core Inter-PSP IG 2021 V1.0 DownloadPDF | 1.46 MB EPC114-06 SDD Core Inter-PSP IG 2021 V1.0 XSD DownloadZIP | 53.48 KB
Implementation Guidelines 26 November 2020| Version 2021 V1.0 SEPA Direct Debit Business-to-Business Scheme Customer-to-PSP Implementation Guidelines 2021 version 1.0 Implementation Guidelines Direct debit EPC131-08 SDD B2B C2PSP IG 2021 V1.0 DownloadPDF | 1.55 MB EPC131-08 SDD B2B C2PSP IG 2021 V1.0 XSD DownloadZIP | 38.88 KB
Implementation Guidelines 26 November 2020| Version 2021 V1.0 SEPA Direct Debit Core Scheme Customer-to-PSP Implementation Guidelines 2021 version 1.0 Implementation Guidelines Direct debit EPC130-08 SDD Core C2PSP IG 2021 V1.0 DownloadPDF | 1.43 MB EPC130-08 SDD Core C2PSP IG 2021 V1.0 XSD DownloadZIP | 39.49 KB
Implementation Guidelines 26 November 2020| Version 2021 V1.0 SEPA Direct Debit Core Scheme E-Mandate Service Implementation Guidelines 2021 version 1.0 Implementation Guidelines Direct debit SDD mandate EPC002-09 SDD Core e-Mandate Service IG 2021 V1.0 DownloadPDF | 1.73 MB EPC002-09 SDD Core e-Mandate Service IG 2021 V1.0 XSD DownloadZIP | 29.18 KB
Implementation Guidelines 26 November 2020| Version v.2021 V1.0 SEPA Direct Debit Business-to-Business Scheme E-Mandate Service Implementation Guidelines 2021 version 1.0 Implementation Guidelines Direct debit SDD mandate EPC129-09 SDD B2B E-Mandate Service IG 2021 V1.0 DownloadPDF | 1.68 MB EPC129-09 SDD B2B E-Mandate IG 2021 V1.0 XSD DownloadZIP | 29.33 KB
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
Guidance documents 18 March 2024| Version v10.0 Creditor Identifier Overview Guidance documents Direct debit SDD mandate EPC262-08 v10.0 Creditor Identifier Overview DownloadPDF | 4.27 MB
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 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 Direct debit One-Leg Out 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 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 Direct debit One-Leg Out 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
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
Rulebooks 12 March 2024| Version 1.0 SEPA Direct Debit Business-to-Business Rulebook - Public Consultation Document on 2024 Change Requests and Response Template Rulebooks Direct debit Public consultation EPC009-24 SDD B2B Scheme Rulebook - Public Consultation Document on 2024 Change Requests DownloadPDF | 2.02 MB EPC014-24 Response template - SDD B2B - 2024 scheme change management cycle DownloadXLSX | 665.51 KB
EPC009-24 SDD B2B Scheme Rulebook - Public Consultation Document on 2024 Change Requests DownloadPDF | 2.02 MB
Rulebooks 12 March 2024| Version 1.0 SEPA Direct Debit Core Rulebook - Public Consultation Document on 2024 Change Requests and Response Template Rulebooks Direct debit Public consultation EPC008-24 SDD Core Scheme Rulebook - Public Consultation Document on 2024 Change Requests DownloadPDF | 2.23 MB EPC013-24 Response template - SDD Core - 2024 scheme change management cycle DownloadXLSX | 665.53 KB
EPC008-24 SDD Core Scheme Rulebook - Public Consultation Document on 2024 Change Requests DownloadPDF | 2.23 MB
EPC013-24 Response template - SDD Core - 2024 scheme change management cycle DownloadXLSX | 665.53 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
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
Minutes and agendas 21 December 2021 Agenda and minutes of the 13th meeting of the EPC Scheme End-User Forum (September 2021) Minutes and agendas Credit transfer Direct debit EPC Scheme End User Forum (SEUF) Instant credit transfer SEUF 003-21 Agenda 13th meeting Scheme End-User Forum 2021-09-10 DownloadPDF | 165.79 KB SEUF 004-21 Minutes 13th SEUF meeting 10 September 2021 DownloadPDF | 339.74 KB
Minutes and agendas 14 April 2022 Agenda and minutes of the first meeting of the Scheme End-User Multi-Stakeholder Group (March 2022) Minutes and agendas Credit transfer Direct debit One-Leg Out Instant credit transfer SEPA Proxy Lookup (SPL) Scheme End-User Multi-Stakeholder Group (SEU MSG) SEPA Request-to-Pay (SRTP) SEU MSG 001-22 Agenda 1st SEU MSG meeting 2022-03-01 DownloadPDF | 195.45 KB SEU MSG 002-22 Minutes 1st SEU MSG meeting 01 March 2022 DownloadPDF | 345.29 KB