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
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
Other 12 March 2024| Version 1.0 Public consultation on the SEPA Request-to-Pay scheme Rulebook change requests Other SEPA Request-to-Pay (SRTP) Public consultation EPC027-24 v1.0 SRTP Scheme Rulebook - Public Consultation Document on 2024 Change Requests DownloadPDF | 578.88 KB EPC029-24 v1.0 Response template SRTP Scheme Rulebook 2024 Change Request Public Consultation DownloadXLSX | 669.04 KB
EPC027-24 v1.0 SRTP Scheme Rulebook - Public Consultation Document on 2024 Change Requests DownloadPDF | 578.88 KB
EPC029-24 v1.0 Response template SRTP Scheme Rulebook 2024 Change Request Public Consultation DownloadXLSX | 669.04 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 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
Guidance documents 13 March 2024| Version 13.0 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 Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments SDD mandate Security EPC342-08 v13.0 Guidelines on Cryptographic Algorithms Usage and Key Management.pdf DownloadPDF | 1.34 MB
EPC342-08 v13.0 Guidelines on Cryptographic Algorithms Usage and Key Management.pdf DownloadPDF | 1.34 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
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 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
Minutes and agendas 06 March 2024 Minutes of the 27th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 4 December 2023 Minutes and agendas SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) SPAA MSG 026-23 v1.0 Minutes 27th Meeting of the SPAA MSG – 4 December 2023 DownloadPDF | 370.47 KB
Rulebooks 20 February 2024 Public consultation on the Verification Of Payee Scheme Rulebook Rulebooks Credit transfer Instant credit transfer Public consultation Regulatory Verification Of Payee (VOP) EPC218-23 2024 Verification Of Payee Scheme Rulebook v0.1 for public consultation DownloadPDF | 1.17 MB EPC288-23 Proposed EPC Recommendations for the Matching Processes under the VOP Scheme Rulebook DownloadPDF | 230.44 KB EPC289-23 VOP Scheme Rulebook - response template for public consultation DownloadDOCX | 207.82 KB
EPC218-23 2024 Verification Of Payee Scheme Rulebook v0.1 for public consultation DownloadPDF | 1.17 MB
EPC288-23 Proposed EPC Recommendations for the Matching Processes under the VOP Scheme Rulebook DownloadPDF | 230.44 KB
Other 04 March 2024 SEPA Request-to-Pay scheme adherence pack Other SEPA Request-to-Pay (SRTP) Adherence SRTP adherence document templates DownloadZIP | 328.17 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
Clarification paper 22 December 2023| Version 3.1 Clarification Paper on the SEPA Request-to-Pay scheme rulebook Clarification paper SEPA Request-to-Pay (SRTP) EPC216-20 v3.1 Clarification Paper SRTP Rulebook DownloadPDF | 1.53 MB
Rulebooks 09 January 2024| Version v5.0 EPC Payment Scheme Management Rules Rulebooks Adherence Credit transfer Direct debit Governance One-Leg Out Instant credit transfer Scheme End-User Multi-Stakeholder Group (SEU MSG) Scheme Technical Player Multi-Stakeholder Group (STP MSG) Dispute Resolution Committee (DRC) Payment Scheme Management Board (PSMB) EPC207-14 v5.0 EPC Payment Scheme Management Rules DownloadPDF | 519.01 KB
Rulebooks 14 November 2023| Version 1.3 2021 SEPA Credit Transfer rulebook version 1.3 Rulebooks Credit transfer EPC125-05 2021 SCT Rulebook version 1.3 DownloadPDF | 1.47 MB
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 1.3 2021 SEPA Instant Credit Transfer rulebook version 1.3 Rulebooks Instant credit transfer EPC004-16 2021 SCT Instant Rulebook v1.3 DownloadPDF | 1.74 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
Rulebooks 14 November 2023| Version 1.1 2023 SEPA Credit Transfer rulebook version 1.1 Rulebooks Credit transfer EPC125-05 2023 SCT Rulebook version 1.1 DownloadPDF | 1.65 MB
Other 17 January 2024| Version v2.0 SEPA Credit Transfer scheme adherence pack - Extended Remittance Information option Other Adherence Credit transfer SCT ERI option adherence document templates DownloadZIP | 43.58 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
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
Rulebooks 14 November 2023| Version 1.2 2023 SEPA Instant Credit Transfer rulebook version 1.2 Rulebooks Instant credit transfer EPC004-16 2023 SCT Instant Rulebook v1.2 DownloadPDF | 1.79 MB
Implementation Guidelines 14 November 2023| Version 2023 V1.1 SEPA Credit Transfer Inter-PSP Implementation Guidelines 2023 version 1.1 Implementation Guidelines Credit transfer EPC115-06 SCT Inter-PSP IG 2023 V1.1 DownloadPDF | 4.34 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 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
Minutes and agendas 08 November 2023 Minutes of the 25th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 20 September 2023 Minutes and agendas SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) Minutes of the 25th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 20 September 2023 DownloadPDF | 385.72 KB
Minutes of the 25th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 20 September 2023 DownloadPDF | 385.72 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
Implementation Guidelines 14 November 2023| Version 2023 V1.1 SEPA Credit Transfer Customer-to-PSP Implementation Guidelines 2023 version 1.1 Implementation Guidelines Credit transfer EPC132-08 SCT C2PSP IG 2023 V1.1 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 | 462.49 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 | 462.49 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
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 V1.2 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
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
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 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
Rulebooks 31 May 2023| Version v3.1 The SEPA Request-to-Pay scheme rulebook version v3.1 Rulebooks SEPA Request-to-Pay (SRTP) EPC014-20 v3.1 SEPA RTP Scheme Rulebook DownloadPDF | 1.95 MB
Other 27 June 2023 Final document “Interoperability of MSCTs based on NFC or BLE” Other Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Instant credit transfer SEPA Proxy Lookup (SPL) Person-to-Person mobile payments Interoperability of MSCTs based on NFC or BLE (EPC287-22v1.0) DownloadPDF | 4.47 MB
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
Rulebooks 30 June 2023| Version v1.1 2023 One-Leg Out Instant Credit Transfer Rulebook Version 1.1 Rulebooks One-Leg Out EPC158-22 v1.1 2023 One-Leg Out Instant Credit Transfer (OCT Inst) Scheme Rulebook DownloadPDF | 2.7 MB
EPC158-22 v1.1 2023 One-Leg Out Instant Credit Transfer (OCT Inst) Scheme Rulebook DownloadPDF | 2.7 MB
Implementation Guidelines 30 June 2023| Version v1.0 One-Leg Out Instant Credit Transfer Scheme Inter-PSP Implementation Guidelines 2023 version 1.0 Implementation Guidelines One-Leg Out EPC251-22 OCT Inst Inter-PSP INCOMING IGs 2023 v1.0 DownloadPDF | 2.29 MB EPC251-22 OCT Inst Inter-PSP INCOMING IGs 2023 V1.0 XSD DownloadZIP | 140.1 KB EPC294-22 OCT Inst Inter-PSP OUTGOING IGs 2023 v1.0 DownloadPDF | 3.17 MB EPC294-22 OCT Inst Inter-PSP OUTGOING IGs 2023 V1.0 XSD DownloadZIP | 180.65 KB
Rulebooks 26 June 2023| Version v1.1 The SEPA Payment Account Access (SPAA) Scheme Rulebook v1.1 Rulebooks SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) SEPA Payment Account Access (SPAA) EPC012-22 v1.1 SEPA Payment Account Access Scheme Rulebook DownloadPDF | 1.73 MB
Rulebooks 24 November 2022| Version v3.0 The SEPA Request-to-Pay scheme rulebook version v3.0 Rulebooks SEPA Request-to-Pay (SRTP) EPC014-20 v3.0 SEPA RTP Scheme Rulebook DownloadPDF | 1.95 MB
Other 28 March 2023| Version v1.0 2022 Public Consultation on the [Instant] Euro One-Leg Out Credit Transfer Arrangement Rulebook – Collected Comments with EPC Responses Other Credit transfer One-Leg Out Instant Credit Transfer (OCT Inst) Instant credit transfer Public consultation EPC091-22 [Inst] Euro OCT Arrangement rulebook - 2022 Public Consultation comments & EPC responses DownloadPDF | 1.13 MB
EPC091-22 [Inst] Euro OCT Arrangement rulebook - 2022 Public Consultation comments & EPC responses DownloadPDF | 1.13 MB
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