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
Press releases 24 November 2023 EPC Press release: Publication of the SEPA Payment Account Access (SPAA) scheme’s default remuneration model Press releases EPC273-23 Press release - SPAA default remuneration model DownloadPDF | 213.33 KB
Other 22 March 2022 Request for Proposal (RFP): Economic Consultant to produce a cost methodology and aggregation of data for a Business Model for the SEPA Payment Account Access (SPAA) Scheme Other SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) EPC077-22 v1.0 Request for Proposal SPAA Economic Consultant DownloadPDF | 682.5 KB EPC086-22 v3.0 Q&A to the SPAA RFP DownloadPDF | 262.55 KB
Guidance documents 08 December 2020| Version 1.0 Technical interoperability of MSCTs based on payer-presented data Guidance documents Contactless payments Credit transfer Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments Request-To-Pay Multi-Stakeholder Group (RTP MSG) EPC096-20v1.0 Technical interoperability of MSCTs based on payer-presented data DownloadPDF | 1.03 MB
EPC096-20v1.0 Technical interoperability of MSCTs based on payer-presented data DownloadPDF | 1.03 MB
Guidance documents 28 May 2020| Version v1.0 Technical Interoperability for MSCTs based on payee-presented data Guidance documents Contactless payments Credit transfer Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments EPC312-19v1.0 - Technical Interoperability of MSCTs based on payee-presented data DownloadPDF | 818.49 KB
EPC312-19v1.0 - Technical Interoperability of MSCTs based on payee-presented data DownloadPDF | 818.49 KB
Other 28 March 2023| Version v1.0 Disclosure of Intent to be an EPC Payment Scheme-compliant CSM Other Credit transfer Direct debit One-Leg Out Instant credit transfer Letter EPC149-22 Model Disclosure Letter for EPC payment scheme-compliant CSMs DownloadDOCX | 28.26 KB
Letter EPC149-22 Model Disclosure Letter for EPC payment scheme-compliant CSMs DownloadDOCX | 28.26 KB
Other 28 March 2023| Version v1.0 Disclosure of Intent to Offer Messaging Services to EPC Payment Scheme-compliant Clearing and Settlement Mechanisms Other Credit transfer Direct debit One-Leg Out Instant credit transfer Letter EPC150-22 Model Disclosure Letter to offer messaging services to EPC payment scheme-compliant CSMs DownloadDOCX | 27.31 KB
Letter EPC150-22 Model Disclosure Letter to offer messaging services to EPC payment scheme-compliant CSMs DownloadDOCX | 27.31 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
Minutes and agendas 29 March 2021 Agendas and Minutes of the 18th and 19th MSG MSCT Plenary meeting Minutes and agendas Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Multi-stakeholder group on mobile contactless SEPA card payments (MSG MCP) Person-to-Person mobile payments Agenda 18th MSG MSCT Plenary meeting - 15 January 2021 (MSG MSCT 003-21v1.0) DownloadPDF | 239.54 KB Minutes 18th MSG MSCT Plenary meeting - 15 January 2021 (MSG MSCT 004-21v1.0) DownloadPDF | 537.85 KB Agenda 19th MSG MSCT Plenary meeting - 15 February 2021 (MSG MSCT 014-21v1.0) DownloadPDF | 268.99 KB Minutes 19th MSG MSCT Plenary meeting - 15 February 2021 (MSG MSCT 015-21v1.0) DownloadPDF | 538.26 KB
Minutes 18th MSG MSCT Plenary meeting - 15 January 2021 (MSG MSCT 004-21v1.0) DownloadPDF | 537.85 KB
Agenda 19th MSG MSCT Plenary meeting - 15 February 2021 (MSG MSCT 014-21v1.0) DownloadPDF | 268.99 KB
Minutes 19th MSG MSCT Plenary meeting - 15 February 2021 (MSG MSCT 015-21v1.0) DownloadPDF | 538.26 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
Minutes and agendas 04 February 2021 Agenda and Minutes of the 17th MSG MSCT Plenary meeting Minutes and agendas Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments MSG MSCT 103-20v1.0 Agenda 17th MSG MSCT Plenary meeting 4 December 2020 DownloadPDF | 225.92 KB MSG MSCT 104-20v1.0 Minutes MSG MSCT Plenary meeting 4-12-2020 DownloadPDF | 537.5 KB
Guidance documents 08 July 2021 Public consultation on draft second release “Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance (MSCT IG)” 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) Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance – draft 2nd release (EPC269-21v1.14) DownloadPDF | 9.74 MB Feedback questionnaire New MSCT use cases and interoperability models (MSG MSCT 074-21v1.0) DownloadDOCX | 350.45 KB
Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance – draft 2nd release (EPC269-21v1.14) DownloadPDF | 9.74 MB
Feedback questionnaire New MSCT use cases and interoperability models (MSG MSCT 074-21v1.0) DownloadDOCX | 350.45 KB
Other 23 November 2023| Version 1.0 Version 1.0 of the SPAA Scheme Default Fees Other SEPA Payment Account Access (SPAA) SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) EPC270-23 SPAA Scheme Default fees Version 1.0 DownloadPDF | 243.34 KB
Minutes and agendas 08 July 2021 Agenda and Minutes of the 22nd MSG MSCT Plenary meeting Minutes and agendas Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments Agenda 22nd MSG MSCT Plenary meeting - 28 May 2021 DownloadPDF | 244.77 KB Minutes 22nd MSG MSCT Plenary meeting - 28 May 2021 DownloadPDF | 527.88 KB
Minutes and agendas 05 November 2020 Agenda and Minutes of the 14th and 15th MSG MSCT Plenary meeting Minutes and agendas Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments Agenda 14th MSG MSCT Plenary meeting – 1 September 2020 (MSG MSCT 073-20v1.0) DownloadPDF | 260.13 KB Minutes 14th MSG MSCT Plenary meeting – 1 September 020 (MSG MSCT 074-20v1.0 DownloadPDF | 678.1 KB Agenda 15th MSG MSCT Plenary meeting – 1 October 2020 (MSG MSCT 087-20v1.0) DownloadPDF | 232.93 KB Minutes 15th MSG MSCT Plenary meeting – 1 October 2020 (MSG MSCT 088-20v1.0) DownloadPDF | 673.31 KB
Agenda 14th MSG MSCT Plenary meeting – 1 September 2020 (MSG MSCT 073-20v1.0) DownloadPDF | 260.13 KB
Minutes and agendas 28 March 2019 Minutes of the sixteenth meeting of the ad-hoc multi-stakeholder group on mobile contactless SEPA card payments (October 2018) Minutes and agendas Cards Mobile Multi-stakeholder group on mobile contactless SEPA card payments (MSG MCP) Minutes 16th meeting 12 October 2018 (MSG MCP023-18v1.0) DownloadPDF | 85.6 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
Minutes and agendas 21 December 2020 Agenda and Minutes of the 16th MSG MSCT Plenary meeting Minutes and agendas Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments MSG MSCT 097-20v1.0 Agenda 16th MSG MSCT Plenary meeting 21 October 2020 DownloadPDF | 224.34 KB MSG MSCT 098-20v1.0 Approved minutes MSG MSCT Plenary meeting 21-10-2020 DownloadPDF | 557.43 KB
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 26 November 2019 Request-to-Pay: specifications for a standardisation framework Guidance documents Request-To-Pay Multi-Stakeholder Group (RTP MSG) RTP MSG 005-19 RTP Specifications for a standardisation framework v1.0 DownloadPDF | 992.54 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
Guidance documents 10 January 2023 Public consultation on draft document “Interoperability of MSCTs based on NFC or BLE” 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) Interoperability of MSCTs based on NFC or BLE (EPC287-22v0.18) DownloadPDF | 4.28 MB Feedback questionnaire on Interoperability of MSCTs based on NFC or BLE (MSG MSCT 102-22v1.0) DownloadDOCX | 349.28 KB
Feedback questionnaire on Interoperability of MSCTs based on NFC or BLE (MSG MSCT 102-22v1.0) DownloadDOCX | 349.28 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
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 14 June 2021 Agendas and Minutes of the 21st MSG MSCT Plenary meeting Minutes and agendas Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments Agenda 21st MSG MSCT Plenary meeting – 26 April 2021 (MSG MSCT 057-21v1.0) DownloadPDF | 243.61 KB Minutes 21st MSG MSCT Plenary meeting – 26 April 2021 (MSG MSCT 058-21v1.0) DownloadPDF | 538.51 KB
Guidance documents 28 November 2023| Version 1.0 Guidance on reason codes for One-Leg Out Instant Credit Transfer R-transactions Guidance documents One-Leg Out One-Leg Out Instant Credit Transfer (OCT Inst) EPC237-22 v1.0 Guidance on Reason Codes for OCT Inst R-transactions DownloadPDF | 471.05 KB
Guidance documents 14 November 2023| Version 5.0 Guidance on reason codes for SEPA Credit Transfer R-transactions Guidance documents Credit transfer EPC135-18 v5.0 Guidance on Reason Codes for SCT R-transactions DownloadPDF | 453.4 KB
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 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
Rulebooks 05 March 2020| Version 2.0 The SEPA Proxy Lookup (SPL) scheme rulebook version 2.0 Rulebooks Mobile SEPA Proxy Lookup (SPL) Person-to-Person mobile payments The SEPA Proxy Lookup (SPL) scheme rulebook version 2.0 DownloadPDF | 830.66 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
Guidance documents 10 January 2023 Standardisation of QR-codes for MSCTs Guidance documents Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Credit transfer Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Person-to-Person mobile payments Request-To-Pay Multi-Stakeholder Group (RTP MSG) Standardisation of QR-codes for MSCTs (EPC024-22v2.0) DownloadPDF | 1.53 MB
Minutes and agendas 02 June 2021 Agendas and Minutes of the 20th MSG MSCT Plenary meeting Minutes and agendas Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments Agenda 20th MSG MSCT Plenary meeting - 22 March 2021 (MSG MSCT 033-21v1.0) DownloadPDF | 245.37 KB Minutes 20th MSG MSCT Plenary meeting - 22 March 2021 (MSG MSCT 034-21v1.0) DownloadPDF | 539.8 KB
Minutes and agendas 26 March 2024 Minutes of the 28th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 27 February 2024 Minutes and agendas SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) SPAA MSG 004-24 v1.0 Minutes 28th Meeting of the SPAA MSG – 27 February 2024 DownloadPDF | 385.67 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
Guidance documents 16 February 2023| Version v2.0 Clarification Paper on the Use of Slashes in References, Identifications and Identifiers Guidance documents Credit transfer Direct debit Instant credit transfer EPC230-15 V2.0 Clarification Paper on the Use of Slashes in References Identifications and Identifiers v2.0 DownloadPDF | 335.95 KB
EPC230-15 V2.0 Clarification Paper on the Use of Slashes in References Identifications and Identifiers v2.0 DownloadPDF | 335.95 KB
Other 12 July 2010 The Use of Audit Trails in Security Systems: Guidelines for European Banks Other Security EPC153-10 Audit Trails in Security Systems v1.0 Approved.pdf DownloadPDF | 291.24 KB
15 March 2018 Mandate ad-hoc multi-stakeholder group on Mobile Initiated SEPA Credit Transfers (including SCT Inst) and Table of Content of the Mobile Initiated SEPA Credit Transfer Interoperability Implementation Guidelines Credit transfer Instant credit transfer Mobile Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments Mandate ad-hoc multi-stakeholder group for Mobile Initiated SEPA Credit Transfers (MSG MSCT 001-18v1.0) DownloadPDF | 134.54 KB
Mandate ad-hoc multi-stakeholder group for Mobile Initiated SEPA Credit Transfers (MSG MSCT 001-18v1.0) DownloadPDF | 134.54 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
Minutes and agendas 07 February 2023 Agenda and Minutes of the 35th, 36th and 37th MSG MSCT Plenary meeting Minutes and agendas Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments Agenda 35th MSG MSCT Plenary meeting – 6 October 2022 (MSG MSCT 080-22) DownloadPDF | 228.05 KB Minutes 35th MSG MSCT Plenary meeting – 6 October 2022 (MSG MSCT 081-22) DownloadPDF | 469.25 KB Agenda 36th MSG MSCT Plenary meeting – 3 November 2022 (MSG MSCT 090-22) DownloadPDF | 241.92 KB Minutes 36th MSG MSCT Plenary meeting – 3 November 2022 (MSG MSCT 091-22) DownloadPDF | 462.93 KB Agenda 37th MSG MSCT Plenary meeting – 6 December 2022 (MSG MSCT 100-22) DownloadPDF | 276.68 KB Minutes 37th MSG MSCT Plenary meeting – 6 December 2022 (MSG MSCT 101-22) DownloadPDF | 485.49 KB
Other 08 December 2017| Version 1.1 Rules for operating, joining and participating in the Standardised Proxy Lookup (SPL) service Other Credit transfer Person-to-Person mobile payments SCP2P 018-16 v1.1 Rules for operating joining and participating in the SPL Service DownloadPDF | 229.58 KB
SCP2P 018-16 v1.1 Rules for operating joining and participating in the SPL Service DownloadPDF | 229.58 KB
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 1.1 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 Core rulebook version 1.3 Rulebooks Direct debit EPC016-06 2021 SDD Core Rulebook version 1.3 DownloadPDF | 2.05 MB