SEPA Credit Transfer Additional Optional Services
The SEPA Credit Transfer (SCT) scheme provides the sets of rules that enable a harmonised implementation by all participating payment service providers (PSPs) in Europe.
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SEPA Instant Credit Transfer options
The SEPA Instant Credit Transfer (SCT Inst) rulebook provides SCT Inst scheme participants with some specific SCT Inst scheme options.
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SEPA Direct Debit Additional Optional Services
The SEPA Direct Debit schemes (SDD) provide the sets of rules that enable a harmonised application by all participating payment service providers (PSPs) in Europe. PSPs can also provide additional services to meet specific customer needs.
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SEPA Instant Credit Transfer
SEPA Instant Credit Transfer (SCT Inst) heralds a new era in payments. Payments are no exception to an increasingly digital and immediate society.
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SEPA Instant Credit Transfer rulebook and implementation guidelines
The SEPA Instant Credit Transfer (SCT Inst) scheme will make European payments faster and ever more convenient.
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12 March 2024|
Version
v1.0
SEPA Credit Transfer Rulebook - Public Consultation Document on 2024 Change Requests and Response Template
14 November 2023|
Version
2023 V1.2
SEPA Instant Credit Transfer Inter-PSP Implementation Guidelines 2023 version 1.2
14 November 2023|
Version
2023 V1.2
SEPA Instant Credit Transfer Customer-to-PSP Implementation Guidelines 2023 version 1.2
News
09 April 20
New version of the Clarification Paper on SCT and SCT Inst
Today the European Payments Council (EPC) published the version 1.5 of the clarification paper on Single Euro Payments Area (SEPA) Credit Transfer (SCT) and SEPA Instant Credit Transfer (SCT Inst) rulebooks. The paper applies to the current applicable 2019 SCT and SCT Inst rulebooks and provides gui
27 October 2022|
Version
v.2023 V.1.1
SEPA Instant Credit Transfer Inter-PSP Implementation Guidelines 2023 version 1.1
27 October 2022|
Version
v.2023 V.1.1
SEPA Instant Credit Transfer Customer-to-PSP Implementation Guidelines 2023 version 1.1
13 September 2021|
Version
v1.0
SEPA Instant Credit Transfer Rulebook - Public Consultation Document on 2022 Change Requests and Response Template
Insight
25 April 24
European payments: a look at the past, present, and future
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council.The European payments landscape is witnessing significant transformations driven by technological advancements, the emergence of new players, and regulatory shifts. We rec
Insight
13 April 21
Empowering European payments with SCT Inst
The instant payments space had been gaining significant traction in recent years, and access to immediate funds has become paramount for consumers and businesses in particular in the current pandemic. We launched the SEPA Instant Credit Transfer (SCT Inst) scheme almost three and a half years ago, a