SEPA Direct Debit The two EPC SEPA Direct Debit schemes offer consumers and businesses a convenient and secure means of paying bills. They are used to facilitate over 20 billion transactions every year in SEPA. Read more
EPC scheme participation fees Payment service providers (PSPs) have to pay an annual scheme participation fee to use the EPC payment schemes. Read more
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 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
Rulebooks 12 March 2024| Version 1.0 SEPA Instant Credit Transfer Rulebook - Public Consultation Document on 2024 Change Requests and Response Template Rulebooks Instant credit transfer Public consultation EPC007-24 SCT Inst Scheme Rulebook - Public Consultation Document on 2024 Change Requests DownloadPDF | 4.15 MB EPC012-24 Response template - SCT Inst - 2024 scheme change management cycle DownloadXLSX | 669.21 KB
EPC007-24 SCT Inst Scheme Rulebook - Public Consultation Document on 2024 Change Requests DownloadPDF | 4.15 MB
EPC012-24 Response template - SCT Inst - 2024 scheme change management cycle DownloadXLSX | 669.21 KB
Rulebooks 12 March 2024| Version v1.0 SEPA Credit Transfer Rulebook - Public Consultation Document on 2024 Change Requests and Response Template Rulebooks Credit transfer Public consultation EPC006-24 SCT Scheme Rulebook - Public Consultation Document on 2024 Change Requests DownloadPDF | 3.18 MB EPC011-24 Response template - SCT - 2024 scheme change management cycle DownloadXLSX | 667.72 KB
EPC006-24 SCT Scheme Rulebook - Public Consultation Document on 2024 Change Requests DownloadPDF | 3.18 MB
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
Other 04 March 2024| Version v4.0 Guide for Adherence to the SEPA Request to Pay scheme Other Adherence SEPA Request-to-Pay (SRTP) EPC085-21 Guide to the SEPA RTP Scheme Adherence Process DownloadPDF | 551.77 KB
Rulebooks 12 March 2024| Version 1.0 One-Leg Out Instant Credit Transfer Rulebook - Public Consultation Document on 2024 Change Requests and Response Template Rulebooks One-Leg Out Instant Credit Transfer (OCT Inst) Public consultation EPC010-24 OCT Inst Scheme Rulebook - Public Consultation Document on 2024 Change Requests DownloadPDF | 2.98 MB EPC015-24 Response template - OCT Inst - 2024 scheme change management cycle DownloadXLSX | 667.69 KB
EPC010-24 OCT Inst Scheme Rulebook - Public Consultation Document on 2024 Change Requests DownloadPDF | 2.98 MB
EPC015-24 Response template - OCT Inst - 2024 scheme change management cycle DownloadXLSX | 667.69 KB
Rulebooks 14 November 2023| Version 1.3 2021 SEPA Direct Debit Business-to-Business rulebook version 1.3 Rulebooks Direct debit EPC222-07 2021 SDD B2B Rulebook version 1.3 DownloadPDF | 2.26 MB
Rulebooks 14 November 2023| Version 1.3 2021 SEPA Direct Debit Core rulebook version 1.3 Rulebooks Direct debit EPC016-06 2021 SDD Core Rulebook version 1.3 DownloadPDF | 2.05 MB
Rulebooks 14 November 2023| Version 1.1 2023 SEPA Direct Debit Core rulebook version 1.1 Rulebooks Direct debit EPC016-06 2023 SDD Core Rulebook version 1.1 DownloadPDF | 2.46 MB
Reports 06 December 2023| Version 1.0 Yearly update of the “Payment Threats and Fraud Trends Report” Reports Cards Contactless payments Credit transfer Instant credit transfer Direct debit Mobile Security SEPA Request-to-Pay (SRTP) Payment System Security Group (PSSG) EPC181-23 v1.0 2023 Payments Threats and Fraud Trends Report DownloadPDF | 1.16 MB
Rulebooks 14 November 2023| Version 1.1 2023 SEPA Direct Debit Business-to-Business rulebook version 1.1 Rulebooks Direct debit EPC222-07 2023 SDD B2B Rulebook version 1.1 DownloadPDF | 3 MB
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
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
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
Guidance documents 14 November 2023| Version 7.0 Guidance on reason codes for SEPA Direct Debit R-transactions Guidance documents Direct debit EPC173-14 v7.0 Guidance on Reason Codes for SDD R-transactions DownloadPDF | 429.83 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
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
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
Rulebooks 22 December 2023| Version 3.2 The SEPA Request-to-Pay scheme rulebook version v3.2 Rulebooks SEPA Request-to-Pay (SRTP) EPC014-20 v3.2 SEPA RTP Scheme Rulebook DownloadPDF | 2.1 MB
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
Other 14 November 2023| Version 3.0 Payment Scheme Participation Fees - Policy and Invoicing Guidelines Other Adherence Credit transfer Direct debit One-Leg Out Instant credit transfer EPC194-15 EPC Payment Scheme Participation Fees - Invoicing policy and guidelines v3.0 DownloadPDF | 462.51 KB
EPC194-15 EPC Payment Scheme Participation Fees - Invoicing policy and guidelines v3.0 DownloadPDF | 462.51 KB
Implementation Guidelines 14 November 2023| Version 2023 V1.2 SEPA Instant Credit Transfer Inter-PSP Implementation Guidelines 2023 version 1.2 Implementation Guidelines Instant credit transfer EPC122-16 SCT Inst Inter-PSP IG 2023 V1.2 DownloadPDF | 2.46 MB EPC122-16 SCT Inst Inter-PSP IG 2023 V1.0 XSD UPDATE DownloadZIP | 137.03 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 EPC053-23 v1.0 Errata to the 2023 version 1.0 SCT Inst IGs DownloadPDF | 568.07 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
Other 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 Other Adherence Credit transfer Direct debit 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
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
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
Implementation Guidelines 14 November 2023| Version 2023 V1.2 SEPA Instant Credit Transfer Customer-to-PSP Implementation Guidelines 2023 version 1.2 Implementation Guidelines Instant credit transfer EPC121-16 SCT Inst C2PSP IG 2023 V1.2 DownloadPDF | 2.08 MB EPC121-16 SCT Inst C2PSP IG 2023 V1.0 XSD UPDATE DownloadZIP | 56.31 KB EPC145-22 v1.0 Addendum to EPC121-16 SCT Inst C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 389.39 KB EPC053-23 v1.0 Errata to the 2023 version 1.0 SCT Inst IGs DownloadPDF | 568.07 KB
EPC145-22 v1.0 Addendum to EPC121-16 SCT Inst C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 389.39 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 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
Rulebooks 25 May 2022| Version v1.2 2021 SEPA Direct Debit Business-to-Business rulebook version 1.2 Rulebooks Direct debit EPC222-07 2021 SDD B2B Rulebook version 1.2 DownloadPDF | 2.29 MB
Rulebooks 25 May 2022| Version v1.2 2021 SEPA Direct Debit Core rulebook version 1.2 Rulebooks Direct debit EPC016-06 2021 SDD Core Rulebook version 1.2 DownloadPDF | 1.88 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 Direct debit SDD mandate EPC132-17 v3.0 Clarification Paper SDD Core and SDD B2B scheme rulebooks DownloadPDF | 563.77 KB
Rulebooks 13 September 2021| Version v1.0 SEPA Direct Debit Core Rulebook - Public Consultation Document on 2022 Change Requests and Response Template Rulebooks Direct debit Public consultation EPC158-21 SDD Core Scheme Rulebook - Public Consultation Document on 2022 Change Requests DownloadPDF | 2.62 MB EPC162-21 Response template – SDD Core - 2022 scheme change management cycle DownloadXLSX | 665.96 KB
EPC158-21 SDD Core Scheme Rulebook - Public Consultation Document on 2022 Change Requests DownloadPDF | 2.62 MB
EPC162-21 Response template – SDD Core - 2022 scheme change management cycle DownloadXLSX | 665.96 KB
Rulebooks 13 September 2021| Version v1.0 SEPA Direct Debit Business-to-Business Rulebook - Public Consultation Document on 2022 Change Requests and Response Template Rulebooks Direct debit Public consultation EPC159-21 SDD B2B Scheme Rulebook - Public Consultation Document on 2022 Change Requests DownloadPDF | 2.38 MB EPC163-21 Response template - SDD B2B - 2022 scheme change management cycle DownloadXLSX | 665.53 KB
EPC159-21 SDD B2B Scheme Rulebook - Public Consultation Document on 2022 Change Requests DownloadPDF | 2.38 MB
Rulebooks 25 May 2022| Version v1.0 2023 SEPA Direct Debit Business-to-Business rulebook version 1.0 Rulebooks Direct debit EPC222-07 2023 SDD B2B Rulebook version 1.0 DownloadPDF | 2.04 MB
Rulebooks 25 May 2022| Version v1.0 2023 SEPA Direct Debit Core rulebook version 1.0 Rulebooks Direct debit EPC016-06 2023 SDD Core Rulebook version 1.0 DownloadPDF | 1.89 MB