Rulebooks 18 January 2022| Version v0.1 Public consultation on the [Instant] Euro One-Leg Out Credit Transfer Arrangement Rulebook Rulebooks One-Leg Out Instant Credit Transfer (OCT Inst) Credit transfer Instant credit transfer Public consultation EPC145-21 [Instant] Euro One-Leg Out Credit Transfer Arrangement Rulebook v0.1 - for public consultation DownloadPDF | 2.24 MB EPC208-21 Max. Amount for Instant Euro OCT Instructions under the [Inst] Euro OCT Arrangement RB - for public consultation DownloadPDF | 219.38 KB EPC013-22 [Inst] Euro OCT Arrangement rulebook - Response template for public consultation DownloadDOCX | 207.35 KB
EPC145-21 [Instant] Euro One-Leg Out Credit Transfer Arrangement Rulebook v0.1 - for public consultation DownloadPDF | 2.24 MB
EPC208-21 Max. Amount for Instant Euro OCT Instructions under the [Inst] Euro OCT Arrangement RB - for public consultation DownloadPDF | 219.38 KB
EPC013-22 [Inst] Euro OCT Arrangement rulebook - Response template for public consultation DownloadDOCX | 207.35 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
Rulebooks 25 May 2022| Version v1.2 2021 SEPA Credit Transfer rulebook version 1.2 Rulebooks Credit transfer EPC125-05 2021 SCT Rulebook version 1.2 DownloadPDF | 1.28 MB
Rulebooks 25 May 2022| Version v1.0 2023 SEPA Credit Transfer rulebook version 1.0 Rulebooks Credit transfer EPC125-05 2023 SCT Rulebook version 1.0 DownloadPDF | 1.3 MB
Guidance documents 18 March 2024| Version v3.1 Quick Response Code: Guidelines to Enable Data Capture for the Initiation of a SEPA Credit Transfer Guidance documents Credit transfer EPC069-12 v3.1 Quick Response Code - Guidelines to Enable the Data Capture for the Initiation of an SCT DownloadPDF | 383.88 KB
EPC069-12 v3.1 Quick Response Code - Guidelines to Enable the Data Capture for the Initiation of an SCT DownloadPDF | 383.88 KB
Guidance documents 14 November 2023| Version 5.0 Guidance on reason codes for SEPA Credit Transfer R-transactions Guidance documents Credit transfer EPC135-18 v5.0 Guidance on Reason Codes for SCT R-transactions DownloadPDF | 453.4 KB
15 March 2018 Mandate ad-hoc multi-stakeholder group on Mobile Initiated SEPA Credit Transfers (including SCT Inst) and Table of Content of the Mobile Initiated SEPA Credit Transfer Interoperability Implementation Guidelines Credit transfer Instant credit transfer Mobile Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments Mandate ad-hoc multi-stakeholder group for Mobile Initiated SEPA Credit Transfers (MSG MSCT 001-18v1.0) DownloadPDF | 134.54 KB
Mandate ad-hoc multi-stakeholder group for Mobile Initiated SEPA Credit Transfers (MSG MSCT 001-18v1.0) DownloadPDF | 134.54 KB
Implementation Guidelines 22 June 2022| Version 2023 V1.0 SEPA Credit Transfer Inter-PSP Implementation Guidelines 2023 version 1.0 Implementation Guidelines Credit transfer EPC115-06 SCT Inter-PSP IG 2023 V1.0 DownloadPDF | 4.38 MB EPC115-06 SCT Inter-PSP IG 2023 V1.0 XSD UPDATE DownloadZIP | 281.99 KB EPC144-22 v1.0 Addendum to EPC115-06 SCT Inter-PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 748.97 KB EPC050-23 v1.0 Errata to the 2023 version 1.0 SCT IGs DownloadPDF | 529.29 KB
EPC144-22 v1.0 Addendum to EPC115-06 SCT Inter-PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 748.97 KB
Implementation Guidelines 30 June 2022| Version 2023 V1.0 SEPA Credit Transfer Customer-to-PSP Implementation Guidelines 2023 version 1.0 Implementation Guidelines Credit transfer EPC132-08 SCT C2PSP IG 2023 V1.0 DownloadPDF | 2.07 MB EPC132-08 SCT C2PSP IG 2023 V1.0 XSD UPDATE DownloadZIP | 67.33 KB EPC143-22 v1.0 Addendum to EPC132-08 SCT C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 419.39 KB EPC050-23 v1.0 Errata to the 2023 version 1.0 SCT IGs DownloadPDF | 529.29 KB
EPC143-22 v1.0 Addendum to EPC132-08 SCT C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 419.39 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 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
Rulebooks 25 May 2022| Version v1.0 EPC Multi-Stakeholder Group positions on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks Rulebooks Credit transfer Direct debit Governance Instant credit transfer Public consultation Scheme End-User Multi-Stakeholder Group (SEU MSG) Scheme Technical Player Multi-Stakeholder Group (STP MSG) EPC038-22 SEU MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 355.74 KB EPC039-22 STP MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 364.65 KB
EPC038-22 SEU MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 355.74 KB
EPC039-22 STP MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 364.65 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
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
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
Reports 08 December 2022 Yearly update of the “Payment Threats and Fraud Trends Report” Reports Cards Contactless payments Credit transfer Direct debit Instant credit transfer Mobile Security 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 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
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 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 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 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 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
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
Other 11 March 2024| Version 2.0 Membership list of the Scheme Technical Player Multi-Stakeholder Group Other Credit transfer Direct debit Instant credit transfer SEPA Proxy Lookup (SPL) Scheme Technical Player Multi-Stakeholder Group (STP MSG) SEPA Request-to-Pay (SRTP) EPC279-23 STP MSG Membership List v2.0 DownloadPDF | 170.3 KB
Other 04 March 2024| Version 3.0 Membership list of the Scheme End-User Multi-Stakeholder Group Other Credit transfer Direct debit Instant credit transfer SEPA Proxy Lookup (SPL) Scheme End-User Multi-Stakeholder Group (SEU MSG) SEPA Request-to-Pay (SRTP) One-Leg Out One-Leg Out Instant Credit Transfer (OCT Inst) EPC280-23 SEU MSG Membership List v3.0 DownloadPDF | 207.46 KB
Other 19 January 2022| Version v2.0 Terms of Reference Scheme Technical Player Multi-Stakeholder Group (STP MSG) Other Credit transfer Direct debit Scheme Technical Player Multi-Stakeholder Group (STP MSG) Instant credit transfer SEPA Proxy Lookup (SPL) Request-To-Pay Multi-Stakeholder Group (RTP MSG) One-Leg Out SEPA Request-to-Pay (SRTP) One-Leg Out Instant Credit Transfer (OCT Inst) EPC155-21 ToR STP MSG v2.0 DownloadPDF | 221.46 KB
Other 19 January 2022| Version v2.0 Terms of Reference Scheme End-User Multi-Stakeholder Group (SEU MSG) Other Credit transfer Direct debit Scheme End-User Multi-Stakeholder Group (SEU MSG) Instant credit transfer SEPA Proxy Lookup (SPL) One-Leg Out EPC154-21 ToR SEU MSG v2.0 DownloadPDF | 217.61 KB