Document library | European Payments Council

97 results

Contributing to the future of payments in Europe

The EPC focuses on the harmonisation of electronic methods of payments in SEPA.

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News

09 January 23

2022 - a year to remember

In the newly published infographic, the EPC reports on how it fulfilled its main objectives in 2022. It has been a busy and rewarding year with several memorable achievements, including: 2313 payment service providers have already joined the SEPA Instant Credit (SCT Inst) scheme: 61% of Europe

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Guidance documents

18 March 2024|

Version

v10.0

Creditor Identifier Overview

Guidance documents

EPC262-08 v10.0 Creditor Identifier Overview

DownloadPDF | 4.27 MB

12 March 2024|

Version

v1.0

SEPA Credit Transfer Rulebook - Public Consultation Document on 2024 Change Requests and Response Template

Credit transfer

Public consultation

EPC006-24 SCT Scheme Rulebook - Public Consultation Document on 2024 Change Requests

DownloadPDF | 3.18 MB

EPC011-24 Response template - SCT - 2024 scheme change management cycle

DownloadXLSX | 667.72 KB

12 March 2024|

Version

1.0

SEPA Instant Credit Transfer Rulebook - Public Consultation Document on 2024 Change Requests and Response Template

Instant credit transfer

Public consultation

EPC007-24 SCT Inst Scheme Rulebook - Public Consultation Document on 2024 Change Requests

DownloadPDF | 4.15 MB

EPC012-24 Response template - SCT Inst - 2024 scheme change management cycle

DownloadXLSX | 669.21 KB

Guidance documents

13 March 2024|

Version

13.0

Yearly update of the “Guidelines on cryptographic algorithms usage and key management”

Guidance documents

Contactless payments

Credit transfer

Instant credit transfer

Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT)

Person-to-Person mobile payments

EPC342-08 v13.0 Guidelines on Cryptographic Algorithms Usage and Key Management.pdf

DownloadPDF | 1.34 MB

12 March 2024|

Version

1.0

One-Leg Out Instant Credit Transfer Rulebook - Public Consultation Document on 2024 Change Requests and Response Template

One-Leg Out Instant Credit Transfer (OCT Inst)

Public consultation

EPC010-24 OCT Inst Scheme Rulebook - Public Consultation Document on 2024 Change Requests

DownloadPDF | 2.98 MB

EPC015-24 Response template - OCT Inst - 2024 scheme change management cycle

DownloadXLSX | 667.69 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

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

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

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

06 June 2023

Agenda and minutes of the third meeting of the Scheme End-User Multi-Stakeholder Group (March 2023)

Minutes and agendas

Credit transfer

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 001-23 Agenda 3rd SEU MSG meeting 2023-03-28

DownloadPDF | 169.21 KB

SEU MSG 002-23 Minutes 3rd SEU MSG meeting 28 March 2023

DownloadPDF | 302.06 KB

Minutes and agendas

06 June 2023

Agenda and minutes of the third meeting of the Scheme Technical Player Multi-Stakeholder Group (March 2023)

Minutes and agendas

Credit transfer

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 001-23 Agenda 3rd STP MSG meeting 2023-03-29

DownloadPDF | 172.61 KB

STP MSG 002-23 Minutes 3rd STP MSG meeting 29 March 2023

DownloadPDF | 295.81 KB

Minutes and agendas

10 May 2023

Agenda and Minutes of the 38th and 39th MSG MSCT Plenary meeting

Minutes and agendas

Instant credit transfer

SEPA Proxy Lookup (SPL)

Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT)

Person-to-Person mobile payments

Agenda 38th MSG MSCT Plenary meeting – 30 January 2023 (MSG MSCT 005-23)

DownloadPDF | 270.31 KB

Minutes 38th MSG MSCT Plenary meeting – 30 January 2023 (MSG MSCT 006-23)

DownloadPDF | 508.08 KB

Agenda 39th MSG MSCT Plenary meeting – 9 March 2023 (MSG MSCT 012-23)

DownloadPDF | 250.96 KB

Minutes 39th MSG MSCT Plenary meeting – 9 March 2023 (MSG MSCT 013-23)

DownloadPDF | 471.9 KB

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

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

26 June 2023

Extension of Mandate for Multi-stakeholder Group on Mobile Initiated (Instant) SEPA Credit Transfers (MSG MSCT)

Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT)

MSG MSCT 024-23v1.0 Approved Mandate Extension for MSG MSCT

DownloadPDF | 480.65 KB

Minutes and agendas

14 April 2022

Agenda and minutes of the first meeting of the Scheme End-User Multi-Stakeholder Group (March 2022)

Minutes and agendas

Credit transfer

Instant credit transfer

SEPA Proxy Lookup (SPL)

Scheme End-User Multi-Stakeholder Group (SEU MSG)

SEPA Request-to-Pay (SRTP)

SEU MSG 001-22 Agenda 1st SEU MSG meeting 2022-03-01

DownloadPDF | 195.45 KB

SEU MSG 002-22 Minutes 1st SEU MSG meeting 01 March 2022

DownloadPDF | 345.29 KB

Minutes and agendas

14 April 2022

Agenda and minutes of the first meeting of the Scheme Technical Player Multi-Stakeholder Group (March 2022)

Minutes and agendas

Credit transfer

Instant credit transfer

SEPA Proxy Lookup (SPL)

Scheme Technical Player Multi-Stakeholder Group (STP MSG)

SEPA Request-to-Pay (SRTP)

STP MSG 001-22 Agenda 1st STP MSG meeting 2022-03-03

DownloadPDF | 192.61 KB

STP MSG 002-22 Minutes 1st STP MSG meeting 03 March 2022

DownloadPDF | 412.12 KB

Minutes and agendas

20 October 2022

Agenda and minutes of the second meeting of the Scheme End-User Multi-Stakeholder Group (September 2022)

Minutes and agendas

Credit transfer

Instant credit transfer

SEPA Proxy Lookup (SPL)

Scheme End-User Multi-Stakeholder Group (SEU MSG)

SEPA Request-to-Pay (SRTP)

SEU MSG 003-22 Agenda 2nd SEU MSG meeting 2022-09-12

DownloadPDF | 195.91 KB

SEU MSG 004-22 Minutes 2nd SEU MSG meeting 12 September 2022

DownloadPDF | 280.91 KB

27 June 2023

Final document “Interoperability of MSCTs based on NFC or BLE”

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

Minutes and agendas

26 May 2021

Agenda and minutes of the 14th meeting of the EPC Scheme Technical Forum (March 2021)

Minutes and agendas

Credit transfer

EPC Scheme Technical Forum (ESTF)

Instant credit transfer

ESTF 001-21 Agenda 14th meeting EPC Scheme Technical Forum 2021-03-24

DownloadPDF | 167.4 KB

ESTF 002-21 Minutes 14th ESTF meeting 24 March 2021

DownloadPDF | 359.87 KB

Minutes and agendas

26 May 2021

Agenda and minutes of the 12th meeting of the EPC Scheme End-User Forum (March 2021)

Minutes and agendas

Credit transfer

EPC Scheme End User Forum (SEUF)

Instant credit transfer

SEUF 001-21 Agenda 12th meeting Scheme End-User Forum 2021-03-25

DownloadPDF | 164.89 KB

SEUF 002-21 Minutes 12th SEUF meeting 25 March 2021

DownloadPDF | 317.5 KB

15 September 2021

List of National Adherence Support Organisations

EPC046-17 List of NASOs

DownloadPDF | 179.54 KB

Minutes and agendas

21 December 2021

Agenda and minutes of the 15th meeting of the EPC Scheme Technical Forum (September 2021)

Minutes and agendas

Credit transfer

EPC Scheme Technical Forum (ESTF)

Instant credit transfer

ESTF 003-21 Agenda 15th meeting EPC Scheme Technical Forum 2021-09-09

DownloadPDF | 168.01 KB

ESTF 004-21 Minutes 15th ESTF meeting 09 September 2021

DownloadPDF | 398.57 KB

Minutes and agendas

20 October 2022

Agenda and minutes of the second meeting of the Scheme Technical Player Multi-Stakeholder Group (September 2022)

Minutes and agendas

Credit transfer

Instant credit transfer

SEPA Proxy Lookup (SPL)

Scheme Technical Player Multi-Stakeholder Group (STP MSG)

SEPA Request-to-Pay (SRTP)

STP MSG 003-22 Agenda 2nd STP MSG meeting 2022-09-07

DownloadPDF | 192.42 KB

STP MSG 004-22 Minutes 2nd STP MSG meeting 07 September 2022

DownloadPDF | 308.75 KB

Minutes and agendas

21 December 2021

Agenda and minutes of the 13th meeting of the EPC Scheme End-User Forum (September 2021)

Minutes and agendas

Credit transfer

EPC Scheme End User Forum (SEUF)

Instant credit transfer

SEUF 003-21 Agenda 13th meeting Scheme End-User Forum 2021-09-10

DownloadPDF | 165.79 KB

SEUF 004-21 Minutes 13th SEUF meeting 10 September 2021

DownloadPDF | 339.74 KB

Guidance documents

10 January 2023

Specification of QR-codes for Mobile (Instant) Credit Transfers (MCTs) submitted to ISO

Guidance documents

Credit transfer

Instant credit transfer

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)

Specification of QR-codes for Mobile (Instant) Credit Transfers (MSCTs) in ISO format (EPC193-22v1.2)

DownloadPDF | 1000.79 KB

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

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

13 September 2021|

Version

v1.0

SEPA Instant Credit Transfer Rulebook - Public Consultation Document on 2022 Change Requests and Response Template

Instant credit transfer

Public consultation

EPC157-21 SCT Inst Scheme Rulebook - Public Consultation Document on 2022 Change Requests

DownloadPDF | 4.92 MB

EPC161-21 Response template - SCT Inst - 2022 scheme change management cycle

DownloadXLSX | 667.9 KB

21 December 2021

MSCG MSCT 128-21 Extension of Mandate for Multi-stakeholder Group on Mobile Initiated (instant) SEPA Credit Transfers (MSG MSCT)

Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT)

MSCG MSCT 128-21 Extension of Mandate for Multi-stakeholder Group on Mobile Initiated (instant) SEPA Credit Transfers (MSG MSCT)

DownloadPDF | 483.26 KB

Guidance documents

10 January 2023

Public consultation on draft document “Interoperability of MSCTs based on NFC or BLE”

Guidance documents

Instant credit transfer

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

13 September 2021|

Version

v1.0

SEPA Credit Transfer Rulebook - Public Consultation Document on 2022 Change Requests and Response Template

Credit transfer

Public consultation

EPC156-21 SCT Scheme Rulebook - Public Consultation Document on 2022 Change Requests

DownloadPDF | 3.19 MB

EPC160-21 Response template - SCT - 2022 scheme change management cycle

DownloadXLSX | 667.04 KB

13 September 2021|

Version

v1.0

SEPA Direct Debit Business-to-Business Rulebook - Public Consultation Document on 2022 Change Requests and Response Template

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

14 November 2023|

Version

1.1

2023 SEPA Credit Transfer rulebook version 1.1

Credit transfer

EPC125-05 2023 SCT Rulebook version 1.1

DownloadPDF | 1.65 MB

14 November 2023|

Version

1.3

2021 SEPA Credit Transfer rulebook version 1.3

Credit transfer

EPC125-05 2021 SCT Rulebook version 1.3

DownloadPDF | 1.47 MB

13 September 2021|

Version

v1.0

SEPA Direct Debit Core Rulebook - Public Consultation Document on 2022 Change Requests and Response Template

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

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

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

Guidance documents

13 March 2023|

Version

v12.0

Yearly update of the “Guidelines on cryptographic algorithms usage and key management”

Guidance documents

Contactless payments

Credit transfer

Instant credit transfer

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

EPC342-08 v12.0 Guidelines on Cryptographic Algorithms Usage and Key Management

DownloadPDF | 1.55 MB

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

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

Guidance documents

29 November 2021

Standardisation and governance of QR-codes for Instant Payments at the Point of Interaction (IPs at the POI)

Guidance documents

Instant credit transfer

Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT)

Person-to-Person mobile payments

SEPA Proxy Lookup (SPL)

Standardisation and governance of QR-codes for Instant Payments at the Point of Interaction (IPs at the POI)

DownloadPDF | 1.45 MB

Guidance documents

16 February 2022

Public consultation on draft document “Standardisation of QR-codes for MSCTs”

Guidance documents

Instant credit transfer

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

Guidance documents

02 July 2018

Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines

Guidance documents

Multi-stakeholder group on mobile contactless SEPA card payments (MSG MCP)

Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines (EPC144-1777v1.0)

DownloadPDF | 1.75 MB

28 March 2023|

Version

v1.0

2022 Public Consultation on the [Instant] Euro One-Leg Out Credit Transfer Arrangement Rulebook – Collected Comments with EPC Responses

Credit transfer

One-Leg Out Instant Credit Transfer (OCT Inst)

Instant credit transfer

Public consultation

EPC091-22 [Inst] Euro OCT Arrangement rulebook - 2022 Public Consultation comments & EPC responses

DownloadPDF | 1.13 MB

Minutes and agendas

24 January 2023

Minutes of the 16th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 24 October 2022

Minutes and agendas

SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG)

SPAA MSG 032-22 v1.0 Minutes 16th Meeting of the SPAA MSG - 24 October 2022

DownloadPDF | 345.68 KB

Guidance documents

08 March 2022|

Version

11.0

Guidelines on cryptographic algorithms usage and key management

Guidance documents

Contactless payments

Credit transfer

Instant credit transfer

Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT)

Person-to-Person mobile payments

EPC342-08 v11.0 Guidelines on Cryptographic Algorithms Usage and Key Management.

DownloadPDF | 1010.01 KB

25 May 2022|

Version

v1.0

2022 Public Consultation – EPC SEPA Payment Scheme Change Proposal Submission Documents

Credit transfer

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

14 November 2023|

Version

1.2

2023 SEPA Instant Credit Transfer rulebook version 1.2

Instant credit transfer

EPC004-16 2023 SCT Instant Rulebook v1.2

DownloadPDF | 1.79 MB

14 November 2023|

Version

1.3

2021 SEPA Instant Credit Transfer rulebook version 1.3

Instant credit transfer

EPC004-16 2021 SCT Instant Rulebook v1.3

DownloadPDF | 1.74 MB

Implementation Guidelines

14 November 2023|

Version

2023 V1.2

SEPA Instant Credit Transfer Customer-to-PSP Implementation Guidelines 2023 version 1.2

Implementation Guidelines

Instant credit transfer

EPC121-16 SCT Inst C2PSP IG 2023 V1.2

DownloadPDF | 2.08 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

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

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

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