SEPA Instant Credit Transfer rulebook and implementation guidelines The SEPA Instant Credit Transfer (SCT Inst) scheme will make European payments faster and ever more convenient. Read more
Guidance documents 29 November 2019 Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance (MSCT IG) Guidance documents Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Contactless payments Credit transfer Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Person-to-Person mobile payments EPC 269-19v1.0 Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance (MSCT IG) DownloadPDF | 4.28 MB
EPC 269-19v1.0 Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance (MSCT IG) DownloadPDF | 4.28 MB
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
Rulebooks 12 March 2024| Version 1.0 SEPA Instant Credit Transfer Rulebook - Public Consultation Document on 2024 Change Requests and Response Template Rulebooks 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
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
Rulebooks 12 March 2024| Version 1.0 One-Leg Out Instant Credit Transfer Rulebook - Public Consultation Document on 2024 Change Requests and Response Template Rulebooks 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
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
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
The multi-stakeholder group for Mobile Initiated SEPA Credit Transfers (including SCT Instant) Read more
Implementation Guidelines 14 November 2023| Version 2023 V1.2 SEPA Instant Credit Transfer Inter-PSP Implementation Guidelines 2023 version 1.2 Implementation Guidelines Instant credit transfer EPC122-16 SCT Inst Inter-PSP IG 2023 V1.2 DownloadPDF | 2.46 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
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
EPC145-22 v1.0 Addendum to EPC121-16 SCT Inst C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 389.39 KB
Rulebooks 30 June 2023| Version v1.1 2023 One-Leg Out Instant Credit Transfer Rulebook Version 1.1 Rulebooks One-Leg Out EPC158-22 v1.1 2023 One-Leg Out Instant Credit Transfer (OCT Inst) Scheme Rulebook DownloadPDF | 2.7 MB
EPC158-22 v1.1 2023 One-Leg Out Instant Credit Transfer (OCT Inst) Scheme Rulebook DownloadPDF | 2.7 MB
SEPA Instant Credit Transfer SEPA Instant Credit Transfer (SCT Inst) heralds a new era in payments. Payments are no exception to an increasingly digital and immediate society. Read more
SEPA Instant Credit Transfer options The SEPA Instant Credit Transfer (SCT Inst) rulebook provides SCT Inst scheme participants with some specific SCT Inst scheme options. Read more
Implementation Guidelines 30 June 2023| Version v1.0 One-Leg Out Instant Credit Transfer Scheme Inter-PSP Implementation Guidelines 2023 version 1.0 Implementation Guidelines One-Leg Out EPC251-22 OCT Inst Inter-PSP INCOMING IGs 2023 v1.0 DownloadPDF | 2.29 MB EPC251-22 OCT Inst Inter-PSP INCOMING IGs 2023 V1.0 XSD DownloadZIP | 140.1 KB EPC294-22 OCT Inst Inter-PSP OUTGOING IGs 2023 v1.0 DownloadPDF | 3.17 MB EPC294-22 OCT Inst Inter-PSP OUTGOING IGs 2023 V1.0 XSD DownloadZIP | 180.65 KB
Implementation Guidelines 30 June 2023| Version v1.0 One-Leg Out Instant Credit Transfer Scheme Customer-to-PSP Implementation Guidelines 2023 version 1.0 Implementation Guidelines One-Leg Out EPC250-22 OCT Inst C2PSP IGs 2023 v1.0 DownloadPDF | 1.67 MB EPC250-22 OCT Inst C2PSP IGs 2023 V1.0 XSD DownloadZIP | 51.72 KB
Rulebooks 14 November 2023| Version 1.3 2021 SEPA Instant Credit Transfer rulebook version 1.3 Rulebooks Instant credit transfer EPC004-16 2021 SCT Instant Rulebook v1.3 DownloadPDF | 1.74 MB
Rulebooks 14 November 2023| Version 1.2 2023 SEPA Instant Credit Transfer rulebook version 1.2 Rulebooks Instant credit transfer EPC004-16 2023 SCT Instant Rulebook v1.2 DownloadPDF | 1.79 MB
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
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
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
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
Implementation Guidelines 26 November 2020| Version 2021 V1.0 SEPA Instant Credit Transfer Scheme Customer-to-PSP Implementation Guidelines 2021 version 1.0 Implementation Guidelines Instant credit transfer EPC121-16 SCT Inst C2PSP IG 2021 V1.0 DownloadPDF | 2 MB EPC121-16 SCT Inst C2PSP IG 2021 V1.0 XSD Update DownloadZIP | 51.68 KB EPC081-21v1.0 Errata to the 2021 Version 1.0 SCT Inst C2PSP IGs DownloadPDF | 575.62 KB
Implementation Guidelines 26 November 2020| Version 2021 V1.0 SEPA Instant Credit Transfer Scheme Inter-PSP Implementation Guidelines 2021 version 1.0 Implementation Guidelines Instant credit transfer EPC122-16 SCT Inst Inter-PSP IG 2021 V1.0 DownloadPDF | 2.22 MB EPC122-16 SCT Inst InterPSP IG 2021 V1.0 XSD Update DownloadZIP | 113.79 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 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) Specification of QR-codes for Mobile (Instant) Credit Transfers (MSCTs) in ISO format (EPC193-22v1.2) DownloadPDF | 1000.79 KB
Specification of QR-codes for Mobile (Instant) Credit Transfers (MSCTs) in ISO format (EPC193-22v1.2) DownloadPDF | 1000.79 KB
Rulebooks 28 March 2023| Version v1.0 2023 One-Leg Out Instant Credit Transfer Rulebook Version 1.0 Rulebooks One-Leg Out Instant Credit Transfer (OCT Inst) EPC158-22 v1.0 2023 One-Leg Out Instant Credit Transfer (OCT Inst) Scheme Rulebook DownloadPDF | 2.63 MB
EPC158-22 v1.0 2023 One-Leg Out Instant Credit Transfer (OCT Inst) Scheme Rulebook DownloadPDF | 2.63 MB
SEPA Credit Transfer rulebook and implementation guidelines SEPA Credit Transfer (SCT) is among the favourite payment methods of citizens and businesses in Europe, and a convenient alternative to cash and cheques. Read more
Other 17 January 2024| Version v5.0 SEPA Instant Credit Transfer scheme adherence pack Other Instant credit transfer Adherence SCT Inst adherence document templates DownloadZIP | 102.33 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 14 November 2023| Version 2023 V1.1 SEPA Credit Transfer Customer-to-PSP Implementation Guidelines 2023 version 1.1 Implementation Guidelines Credit transfer EPC132-08 SCT C2PSP IG 2023 V1.1 DownloadPDF | 2.07 MB EPC132-08 SCT C2PSP IG 2023 V1.0 XSD UPDATE DownloadZIP | 67.33 KB EPC143-22 v1.0 Addendum to EPC132-08 SCT C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 462.49 KB EPC050-23 v1.0 Errata to the 2023 version 1.0 SCT IGs DownloadPDF | 529.29 KB
EPC143-22 v1.0 Addendum to EPC132-08 SCT C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 462.49 KB
Implementation Guidelines 14 November 2023| Version 2023 V1.1 SEPA Credit Transfer Inter-PSP Implementation Guidelines 2023 version 1.1 Implementation Guidelines Credit transfer EPC115-06 SCT Inter-PSP IG 2023 V1.1 DownloadPDF | 4.34 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
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 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 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
Rulebooks 18 January 2022| Version v0.1 Public consultation on the [Instant] Euro One-Leg Out Credit Transfer Arrangement Rulebook Rulebooks One-Leg Out Instant Credit Transfer (OCT Inst) Credit transfer Instant credit transfer Public consultation EPC145-21 [Instant] Euro One-Leg Out Credit Transfer Arrangement Rulebook v0.1 - for public consultation DownloadPDF | 2.24 MB EPC208-21 Max. Amount for Instant Euro OCT Instructions under the [Inst] Euro OCT Arrangement RB - for public consultation DownloadPDF | 219.38 KB EPC013-22 [Inst] Euro OCT Arrangement rulebook - Response template for public consultation DownloadDOCX | 207.35 KB
EPC145-21 [Instant] Euro One-Leg Out Credit Transfer Arrangement Rulebook v0.1 - for public consultation DownloadPDF | 2.24 MB
EPC208-21 Max. Amount for Instant Euro OCT Instructions under the [Inst] Euro OCT Arrangement RB - for public consultation DownloadPDF | 219.38 KB
EPC013-22 [Inst] Euro OCT Arrangement rulebook - Response template for public consultation DownloadDOCX | 207.35 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
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
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