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What is a payment scheme?

The payment schemes developed by the EPC are used by thousands of payment service providers (PSPs) in Europe to facilitate some 50 billion transactions each year.

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SEPA for cash

The SEPA project and the EPC’s drive to improve payments harmonisation and innovation in Europe both encourage a shift from cash to electronic payments.

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Implementation Guidelines
14 November 2023

SEPA Direct Debit Core Inter-PSP Implementation Guidelines 2023 version 1.1

Implementation Guidelines
Direct debit
Implementation Guidelines
14 November 2023|
Version
2023 V1.1

SEPA Credit Transfer Inter-PSP Implementation Guidelines 2023 version 1.1

Implementation Guidelines
Credit transfer
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
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
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
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
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
Implementation Guidelines
03 March 2023

SEPA Request-to-Pay Implementation Guidelines Version 3.0

Implementation Guidelines
SEPA Request-to-Pay (SRTP)
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
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
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
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