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
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
Other 12 March 2024| Version v1.0 Template to Propose a Change to the EPC Payment Scheme Rulebooks Other Credit transfer Direct debit One-Leg Out Instant credit transfer Public consultation EPC064-24 v1.0 EPC payment scheme change request template DownloadDOCX | 431.45 KB
Rulebooks 25 May 2022| Version v1.0 EPC Multi-Stakeholder Group positions on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks Rulebooks Credit transfer Direct debit Governance Instant credit transfer Public consultation Scheme End-User Multi-Stakeholder Group (SEU MSG) Scheme Technical Player Multi-Stakeholder Group (STP MSG) EPC038-22 SEU MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 355.74 KB EPC039-22 STP MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 364.65 KB
EPC038-22 SEU MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 355.74 KB
EPC039-22 STP MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 364.65 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 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 1.3 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 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 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 1.3 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 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
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 v1.0 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 v1.2 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 13 December 2021| Version v1.1 2021 SEPA Direct Debit Core rulebook version 1.1 Rulebooks Direct debit EPC016-06 2021 SDD Core Rulebook version 1.1 DownloadPDF | 1.82 MB
Rulebooks 26 November 2020| Version v1.0 2021 SEPA Direct Debit Core rulebook version 1.0 Rulebooks Direct debit 2021 SDD Core Rulebook version 1.0 DownloadPDF | 2.2 MB
Rulebooks 13 December 2021| Version v1.1 2021 SEPA Direct Debit Business-to-Business rulebook version 1.1 Rulebooks Direct debit EPC222-07 2021 SDD B2B Rulebook version 1.1 DownloadPDF | 1.96 MB
Rulebooks 26 November 2020| Version v1.0 2021 SEPA Direct Debit Business-to-Business rulebook version 1.0 Rulebooks Direct debit 2021 SDD Business-to-Business Rulebook version 1.0 DownloadPDF | 2.08 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
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
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 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 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
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 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
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
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
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
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
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
Guidance documents 14 November 2023| Version 1.1 Guidance on the use of structured addresses under the SEPA payment schemes as of November 2025 Guidance documents Credit transfer Direct debit Instant credit transfer EPC153-22 v1.1 EPC guidance document - Use of Structured Address under the SEPA Payment Schemes as of Nov 2025 DownloadPDF | 425.99 KB
EPC153-22 v1.1 EPC guidance document - Use of Structured Address under the SEPA Payment Schemes as of Nov 2025 DownloadPDF | 425.99 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
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
Minutes and agendas 30 November 2023 Agenda and minutes of the fourth meeting of the Scheme End-User Multi-Stakeholder Group (September 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 003-23 Agenda 4th SEU MSG meeting 2023-09-12 DownloadPDF | 195.17 KB SEU MSG 004-23 Minutes 4th SEU MSG meeting 12 September 2023 DownloadPDF | 234.12 KB
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