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
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 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 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 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 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
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
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
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
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
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
Guidance documents 14 November 2023| Version 4.0 Guidance on the migration to the 2019 version of the ISO 20022-based XML messaging standard Guidance documents Credit transfer Direct debit Instant credit transfer EPC087-22 v4.0 EPC guidance document - Migration to the 2019 Version of ISO 20022-based XML Messaging Standard DownloadPDF | 790.67 KB
EPC087-22 v4.0 EPC guidance document - Migration to the 2019 Version of ISO 20022-based XML Messaging Standard DownloadPDF | 790.67 KB
Guidance documents 03 November 2022| Version v2.0 Clarification paper on SEPA Credit Transfer and SEPA Instant Credit Transfer rulebooks Guidance documents Credit transfer Instant credit transfer EPC131-17 v2.0 Clarification Paper SCT and SCT Inst scheme rulebooks DownloadPDF | 733.67 KB
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
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 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 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
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
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
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
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 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
Reports 06 December 2023| Version 1.0 Yearly update of the “Payment Threats and Fraud Trends Report” Reports Cards Contactless payments Credit transfer Instant credit transfer Direct debit Mobile Security SEPA Request-to-Pay (SRTP) Payment System Security Group (PSSG) EPC181-23 v1.0 2023 Payments Threats and Fraud Trends Report DownloadPDF | 1.16 MB
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
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
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
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
Other 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 Other 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
EPC091-22 [Inst] Euro OCT Arrangement rulebook - 2022 Public Consultation comments & EPC responses DownloadPDF | 1.13 MB
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 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 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
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
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 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 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
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
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
Rulebooks 14 November 2023| Version 1.2 Maximum Amount for Instructions under the 2023 SEPA Instant Credit Transfer Rulebook version 1.2 Rulebooks Instant credit transfer EPC023-16 Max Amount for Instructions under 2023 SCT Inst Rulebook v1.2 DownloadPDF | 182.6 KB
Reports 08 December 2022 Yearly update of the “Payment Threats and Fraud Trends Report” Reports Cards Contactless payments Credit transfer Direct debit Instant credit transfer Mobile Security SEPA Request-to-Pay (SRTP) Payment System Security Group (PSSG) EPC183-22 v1.0 2022 Payments Threats and Fraud Trends Report DownloadPDF | 1.22 MB
Other 30 May 2023| Version v 6.0 Guide for Adherence to the SEPA Credit Transfer scheme, the SEPA Instant Credit Transfer scheme, the SEPA Direct Debit schemes and the One-Leg Out Instant Credit Transfer Other Adherence Credit transfer Direct debit Instant credit transfer One-Leg Out Instant Credit Transfer (OCT Inst) EPC012-17 Adherence Guide to the EPC Payment Schemes v6.0 DownloadPDF | 579.97 KB