Implementation Guidelines 27 October 2022| Version v.2023 V.1.1 SEPA Instant Credit Transfer Inter-PSP Implementation Guidelines 2023 version 1.1 Implementation Guidelines Instant credit transfer EPC122-16 SCT Inst Inter-PSP IG 2023 V1.1 DownloadPDF | 2.45 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 24 November 2022 2022 Public Consultation – SRTP Scheme Change Proposal Submission Document Other SEPA Request-to-Pay (SRTP) EPC156-22 v1.0 Change Proposal Submission Document following the 2022 Public Consultation on SRTP Scheme Rulebook 2022 Change Requests DownloadPDF | 1.02 MB
EPC156-22 v1.0 Change Proposal Submission Document following the 2022 Public Consultation on SRTP Scheme Rulebook 2022 Change Requests DownloadPDF | 1.02 MB
Guidance documents 14 November 2023| Version 5.0 Guidance on reason codes for SEPA Instant Credit Transfer R-transactions Guidance documents Instant credit transfer EPC059-18 v5.0 Guidance on Reason Codes for SCT Inst R-transactions DownloadPDF | 418.72 KB
Rulebooks 27 October 2022| Version v1.2 2021 SEPA Instant Credit Transfer rulebook version 1.2 Rulebooks Instant credit transfer EPC004-16 2021 SCT Instant Rulebook v1.2 DownloadPDF | 1.53 MB
Implementation Guidelines 22 June 2022| Version 2023 V1.0 SEPA Instant Credit Transfer Inter-PSP Implementation Guidelines 2023 version 1.0 Implementation Guidelines Instant credit transfer EPC122-16 SCT Inst Inter-PSP IG 2023 V1.0 DownloadPDF | 2.42 MB EPC122-16 SCT Inst Inter-PSP IG 2023 V1.0 XSD DownloadZIP | 136.55 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
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 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 27 October 2022| Version v1.1 2023 SEPA Instant Credit Transfer rulebook version 1.1 Rulebooks Instant credit transfer EPC004-16 2023 SCT Instant Rulebook v1.1 DownloadPDF | 1.49 MB
Other 22 December 2022| Version 1.0 Overview of the 2022 public consultation comments on the draft SPAA Scheme Rulebook Other Public consultation SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) EPC202-22 v1.0 Overview 2022 Public Consultation Comments on the Draft SPAA Scheme Rulebook DownloadXLSX | 310.88 KB
EPC202-22 v1.0 Overview 2022 Public Consultation Comments on the Draft SPAA Scheme Rulebook DownloadXLSX | 310.88 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
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 v1.2 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
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
Implementation Guidelines 22 June 2022| Version 2023 V1.0 SEPA Direct Debit Business-to-Business Inter-PSP Implementation Guidelines 2023 version 1.0 Implementation Guidelines Direct debit EPC301-07 SDD B2B Inter-PSP IG 2023 V1.0 DownloadPDF | 1.59 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
Rulebooks 30 November 2022| Version v1.0 The SEPA Payment Account Access (SPAA) Scheme Rulebook Rulebooks SEPA Payment Account Access (SPAA) EPC012-22 v1.0 SEPA Payment Account Access Scheme Rulebook DownloadPDF | 1.54 MB
Implementation Guidelines 27 October 2022| Version v.2023 V.1.1 SEPA Instant Credit Transfer Customer-to-PSP Implementation Guidelines 2023 version 1.1 Implementation Guidelines Instant credit transfer EPC121-16 SCT Inst C2PSP IG 2023 V1.1 DownloadPDF | 2.09 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
Guidance documents 21 February 2022 New release “Mobile Initiated SEPA (Instant) Credit Transfer Payments and Technical Interoperability Guidance (MSCT IG)” Guidance documents Instant credit transfer Mobile Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments Public consultation Request-To-Pay Multi-Stakeholder Group (RTP MSG) Mobile Initiated SEPA (Instant) Credit Transfer Payments and Technical Interoperability Guidance – (EPC269-19v2.0) DownloadPDF | 10.47 MB
Mobile Initiated SEPA (Instant) Credit Transfer Payments and Technical Interoperability Guidance – (EPC269-19v2.0) DownloadPDF | 10.47 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
Implementation Guidelines 22 June 2022| Version 2023 V1.0 SEPA Direct Debit Core Inter-PSP Implementation Guidelines 2023 version 1.0 Implementation Guidelines Direct debit EPC114-06 SDD Core Inter-PSP IG 2023 V1.0 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
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
Implementation Guidelines 22 June 2022| Version 2023 V1.0 SEPA Direct Debit Business-to-Business E-Mandate Service Implementation Guidelines 2023 version 1.0 Implementation Guidelines Direct debit EPC129-09 SDD B2B e-Mandate Service IG 2023 V1.0 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
Guidance documents 16 February 2022 Public consultation on draft document “Standardisation of QR-codes for MSCTs” Guidance documents Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments Public consultation Request-To-Pay Multi-Stakeholder Group (RTP MSG) Standardisation of QR-codes for MSCTs (EPC024-22v0.6) DownloadPDF | 1.53 MB Feedback questionnaire Standardisation of QR-codes for MSCTs (MSG MSCT 011-22v1.0) DownloadDOCX | 346.29 KB
Feedback questionnaire Standardisation of QR-codes for MSCTs (MSG MSCT 011-22v1.0) DownloadDOCX | 346.29 KB
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
Implementation Guidelines 22 June 2022| Version 2023 V1.0 SEPA Direct Debit Core E-Mandate Service Implementation Guidelines 2023 version 1.0 Implementation Guidelines Direct debit EPC002-09 SDD Core e-Mandate Service IG 2023 V1.0 DownloadPDF | 1.92 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
Minutes and agendas 07 September 2022 Agenda and Minutes of the 32nd and 33rd MSG MSCT Plenary meetings Minutes and agendas Agenda 32nd MSG MSCT Plenary meeting – 23 May 2022 (MSG MSCT 051-22) DownloadPDF | 225.08 KB Minutes 32nd MSG MSCT Plenary meeting – 23 May 2022 (MSG MSCT 052-22) DownloadPDF | 474.9 KB Agenda 33rd MSG MSCT Plenary meeting – 20 June 2022 (MSG MSCT 059-22) DownloadPDF | 226.63 KB Minutes 33rd MSG MSCT Plenary meeting – 20 June 2022 (MSG MSCT 060-22) DownloadPDF | 452.88 KB
Rulebooks 25 May 2022| Version v1.0 2023 SEPA Instant Credit Transfer rulebook version 1.0 Rulebooks Instant credit transfer EPC004-16 2023 SCT Instant Rulebook v1.0 DownloadPDF | 1.5 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
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
Other 25 May 2022 Public consultation on the SEPA Request-to-Pay scheme Rulebook Other Public consultation SEPA Request-to-Pay (SRTP) EPC074-22 v1.0 SRTP Scheme Rulebook 2022 Change Request Public Consultation Document DownloadPDF | 2.84 MB EPC075-22 v1.0 Response template SRTP Scheme Rulebook 2022 Change Request Public Consultation DownloadXLSX | 667.87 KB
EPC074-22 v1.0 SRTP Scheme Rulebook 2022 Change Request Public Consultation Document DownloadPDF | 2.84 MB
EPC075-22 v1.0 Response template SRTP Scheme Rulebook 2022 Change Request Public Consultation DownloadXLSX | 667.87 KB
Implementation Guidelines 22 June 2022| Version 2023 V1.0 SEPA Direct Debit Business-to-Business Customer-to-PSP Implementation Guidelines 2023 version 1.0 Implementation Guidelines Direct debit EPC131-08 SDD B2B C2PSP IG 2023 V1.0 DownloadPDF | 1.67 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
Rulebooks 13 June 2022 Public consultation on the SEPA Payment Account Access Scheme Rulebook Rulebooks Public consultation SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) EPC012-22 v0.9 SEPA Payment Account Access Scheme Rulebook - Draft version for public consultation DownloadPDF | 1.76 MB EPC123-22 v1.0 SPAA Possible Additional Functionality for Public Consultation DownloadDOCX | 204.24 KB EPC112-22 v1.0 Response template for public consultation on SPAA scheme rulebook DownloadDOCX | 204.85 KB
EPC012-22 v0.9 SEPA Payment Account Access Scheme Rulebook - Draft version for public consultation DownloadPDF | 1.76 MB
EPC123-22 v1.0 SPAA Possible Additional Functionality for Public Consultation DownloadDOCX | 204.24 KB
EPC112-22 v1.0 Response template for public consultation on SPAA scheme rulebook DownloadDOCX | 204.85 KB
Rulebooks 30 June 2022| Version v2.1 SRTP scheme rulebook version 2.1 Rulebooks SEPA Request-to-Pay (SRTP) EPC014-20 The Sepa Request-to-Pay scheme rulebook version V2.1 DownloadPDF | 1.56 MB
Implementation Guidelines 22 June 2022| Version 2023 V1.0 SEPA Instant Credit Transfer Customer-to-PSP Implementation Guidelines 2023 version 1.0 Implementation Guidelines Instant credit transfer EPC121-16 SCT Inst C2PSP IG 2023 V1.0 DownloadPDF | 2.07 MB EPC121-16 SCT Inst C2PSP IG 2023 V1.0 XSD DownloadZIP | 56.1 KB EPC145-22 v1.0 Addendum to EPC121-16 SCT Inst C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 389.39 KB
EPC145-22 v1.0 Addendum to EPC121-16 SCT Inst C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 389.39 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
Implementation Guidelines 22 June 2022| Version 2023 V1.0 SEPA Direct Debit Core Customer-to-PSP Implementation Guidelines 2023 version 1.0 Implementation Guidelines Direct debit EPC130-08 SDD Core C2PSP IG 2023 V1.0 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