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This page will answer all applicants’ questions regarding participation in the EPC payment and payment related schemes.

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.

The European Payments Council is the European association dedicated to payments, managing payment and payment-related schemes.

General Privacy Statements

If payment service providers (PSPs) want to offer SEPA euro credit transfers and direct debits to their customers, they have to formally adhere to the EPC payment schemes.

The EPC designs and manages euro payment and payment-related schemes that contribute to the creation of a single payments market in Europe and facilitate economic exchanges in the Single Euro Payments Area (SEPA) for citizens and businesses alike.

The SEPA Direct Debit Business-to-Business (SDD B2B) scheme is an optional scheme, offered exclusively to business payers.

The SEPA Instant Credit Transfer (SCT Inst) scheme will make European payments faster and ever more convenient.

The Register of Participants lists all payment service providers (PSPs) and other eligible institutions who adhere to the EPC payment and payment related schemes.

Mobile payments are soaring in Europe. The EPC aims to facilitate the use of all SEPA instruments with a mobile while ensuring the convenience, safety, reliability and cost-effectiveness of these payments.