Other 04 March 2024| Version v4.0 Guide for Adherence to the SEPA Request to Pay scheme Other Adherence SEPA Request-to-Pay (SRTP) EPC085-21 Guide to the SEPA RTP Scheme Adherence Process DownloadPDF | 551.77 KB
Press releases 13 September 2021 EPC Press Release: The EPC launches the public consultation on the change requests for the 2023 SEPA payment scheme rulebooks Press releases ECP190-21 _Press Release_ Public consultation on the change requests for the 2023 SEPA payment scheme rulebooks DownloadPDF | 208.04 KB
ECP190-21 _Press Release_ Public consultation on the change requests for the 2023 SEPA payment scheme rulebooks DownloadPDF | 208.04 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
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
Press releases 24 October 2023 EPC Press release: Migration of the SEPA payment schemes to the 2019 version of ISO 20022 postponed to Sunday 17 March 2024 Press releases EPC245-23 Press release: ISO migration postponement DownloadPDF | 211.58 KB
Guidance documents 02 July 2018 Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines Guidance documents Mobile 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
Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines (EPC144-1777v1.0) DownloadPDF | 1.75 MB
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
Other 17 January 2024| Version v5.0 SEPA Credit Transfer scheme adherence pack Other Credit transfer Adherence SCT adherence document templates DownloadZIP | 105.43 KB
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
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 17 January 2024| Version v5.0 SEPA Direct Debit Core scheme adherence pack Other Direct debit Adherence SDD Core scheme adherence document templates DownloadZIP | 92.46 KB
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
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
Other 17 January 2024| Version v5.0 SEPA Direct Debit Business-to-Business scheme adherence pack Other Direct debit Adherence SDD B2B scheme adherence document templates DownloadZIP | 95.39 KB
Other 02 January 2023| Version v4.0 EPC List of SEPA Scheme Countries Other Credit transfer Direct debit Instant credit transfer EPC409-09 EPC List of SEPA Scheme Countries v4.0 DownloadPDF | 306.07 KB
Other 17 January 2024| Version v2.0 SEPA Credit Transfer scheme adherence pack - Extended Remittance Information option Other Adherence Credit transfer SCT ERI option adherence document templates DownloadZIP | 43.58 KB
Rulebooks 31 May 2023| Version v3.1 The SEPA Request-to-Pay scheme rulebook version v3.1 Rulebooks SEPA Request-to-Pay (SRTP) EPC014-20 v3.1 SEPA RTP Scheme Rulebook DownloadPDF | 1.95 MB
Press releases 28 November 2023 EPC Press release: One-Leg Out Instant Credit Transfer (OCT Inst) payment scheme goes live Press releases EPC274-23 Press release - OCT Inst launch DownloadPDF | 260.84 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
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
Implementation Guidelines 16 December 2021| Version v2.0 SEPA Request-to-Pay Implementation Guidelines Version 2.0 Implementation Guidelines SEPA Request-to-Pay (SRTP) EPC133-20 SEPA Request-to-Pay IGs V2.0 (pdf) DownloadPDF | 15.3 MB EPC133-20 SEPA Request-to-Pay IGs V2.0 (ZIP file) DownloadZIP | 444.99 KB
Rulebooks 24 November 2022| Version v3.0 The SEPA Request-to-Pay scheme rulebook version v3.0 Rulebooks SEPA Request-to-Pay (SRTP) EPC014-20 v3.0 SEPA RTP Scheme Rulebook DownloadPDF | 1.95 MB
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
Implementation Guidelines 01 February 2021| Version v1.0 SEPA Request-to-Pay Implementation Guidelines Version 1.0 Implementation Guidelines SEPA Request-to-Pay (SRTP) EPC133-20 SEPA Request-to-Pay IGs 2021 V1.0 DownloadPDF | 13.1 MB EPC133-20 SEPA Request-to-Pay IGs 2021 V1.0 XSD DownloadZIP | 352.35 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
Other 23 October 2020 Criteria for the extension of the SEPA geographical scope Other Adherence Credit transfer Direct debit Governance EPC061-14 v5.0 Criteria for the extension of the SEPA geographical scope DownloadPDF | 256.18 KB
Guidance documents 28 October 2013 SEPA Requirements for an Extended Character Set (UNICODE Subset) - Best Practices Guidance documents Credit transfer Direct debit EPC217-08 SEPA Conversion Table.xls DownloadXLS | 229.5 KB EPC217-08 Best practices SEPA Requirements for an Extended character set DownloadPDF | 132.95 KB
Rulebooks 30 November 2020| Version 1.0 The SEPA Request-To-Pay (SRTP) Scheme Rulebook Rulebooks SEPA Request-to-Pay (SRTP) EPC014-20 SEPA RTP Scheme Rulebook DownloadPDF | 1.37 MB
Rulebooks 30 November 2021| Version v2.0 The SEPA Request-to-Pay scheme rulebook version v2.0 Rulebooks SEPA Request-to-Pay (SRTP) EPC014-20 v2.0 SEPA RTP Scheme Rulebook DownloadPDF | 1.54 MB
Other 11 March 2022 Terms and Conditions - Usage of SEPA Logo Other Media and communication EPC025-08-Terms-and-Conditions-SEPA-logo-v0.5 DownloadPDF | 279.38 KB
Rulebooks 20 December 2018| Version 1.0 The SEPA Proxy Lookup (SPL) scheme rulebook Rulebooks SEPA Proxy Lookup (SPL) Mobile EPC250-18 - The SEPA Proxy Lookup (SPL) scheme rulebook DownloadPDF | 640.41 KB
Rulebooks 25 May 2022| Version v1.0 EPC Multi-Stakeholder Group positions on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks Rulebooks Credit transfer Direct debit Governance Instant credit transfer Public consultation Scheme End-User Multi-Stakeholder Group (SEU MSG) Scheme Technical Player Multi-Stakeholder Group (STP MSG) EPC038-22 SEU MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 355.74 KB EPC039-22 STP MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 364.65 KB
EPC038-22 SEU MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 355.74 KB
EPC039-22 STP MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 364.65 KB
Other 01 March 2019 Map of SEPA Scheme Countries and Territories Other Credit transfer Direct debit Media and communication EPC027-19 Map of SEPA countries and territories DownloadPDF | 5.39 MB
Other 11 March 2022 SEPA Logo - Visual Identity Guidelines Other Media and communication EPC034-08 VIG SEPA logo.pdf DownloadPDF | 256.13 KB
Other 07 October 2021 Terms of reference of the SEPA Payment Account Access Multi Stakeholder Group (SPAA MSG) Other SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) EPC166-21v1.1_Terms of reference of the SEPA Payment Account Access Multi Stakeholder Group (SPAA MSG) DownloadPDF | 220.76 KB
EPC166-21v1.1_Terms of reference of the SEPA Payment Account Access Multi Stakeholder Group (SPAA MSG) DownloadPDF | 220.76 KB
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
Minutes and agendas 08 February 2023 Minutes of the 19th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 20 January 2023 Minutes and agendas SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) SPAA MSG 002-23 v1.0 Minutes 19th Meeting of the SPAA MSG - 20 January 2023 DownloadPDF | 395.44 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 August 2021| Version v1.0 Terms of reference of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) Other Terms of reference of the SEPA Payment Account Access MultiStakeholder Group (SPAA MSG) DownloadPDF | 219.93 KB
Terms of reference of the SEPA Payment Account Access MultiStakeholder Group (SPAA MSG) DownloadPDF | 219.93 KB
Reports 06 December 2021| Version v1.0 2021 Payment Threats and Fraud Trends Report Reports Cards Contactless payments Credit transfer Direct debit Mobile Instant credit transfer Security SEPA Request-to-Pay (SRTP) Payment System Security Group (PSSG) EPC193-21 v1.0 2021 Payments Threats and Fraud Trends DownloadPDF | 1.18 MB
Press releases 12 March 2020 EPC Press Release: The EPC launches the public consultation on the 2020 change requests for the SEPA Credit Transfer and SEPA Direct Debit Scheme Rulebooks Press releases EPC064-20_Press release_SCT and SDD public consultation DownloadPDF | 129.46 KB
Press releases 31 March 2023 EPC Press release: European Payments Council announces new Director General Press releases EPC096-23 Press release European Payments Council announces new Director General DownloadPDF | 154.62 KB
EPC096-23 Press release European Payments Council announces new Director General DownloadPDF | 154.62 KB
Minutes and agendas 07 February 2022 Agenda and minutes of the 3rd meeting of the third phase of the Request-To-Pay Multi-Stakeholder Group (RTP MSG) – 18 October 2021 Minutes and agendas Request-To-Pay Multi-Stakeholder Group (RTP MSG) RTP MSG 006-21 v1.0 Agenda 3rd Meeting of the third Phase of the RTP MSG - 18102021 DownloadPDF | 136.61 KB RTP MSG 007-21 v1.0 Minutes 3rd Meeting of the third phase of the RTP MSG - 18102021 DownloadPDF | 179.97 KB
RTP MSG 006-21 v1.0 Agenda 3rd Meeting of the third Phase of the RTP MSG - 18102021 DownloadPDF | 136.61 KB
RTP MSG 007-21 v1.0 Minutes 3rd Meeting of the third phase of the RTP MSG - 18102021 DownloadPDF | 179.97 KB
Press releases 20 December 2022 EPC Press release: Renewal of the European Payments Council’s Chair and Vice-Chair mandates Press releases EPC290-22_Press release DownloadPDF | 208.4 KB
Rulebooks 30 June 2022| Version v2.1 SRTP scheme rulebook version 2.1 Rulebooks SEPA Request-to-Pay (SRTP) EPC014-20 The Sepa Request-to-Pay scheme rulebook version V2.1 DownloadPDF | 1.56 MB
Guidance documents 18 March 2024| Version v9.0 Guidelines for the appearance of mandates in the SEPA Direct Debit schemes Guidance documents Direct debit SDD mandate EPC392-08 v9.0 SDD Mandate Layout Guidelines DownloadPDF | 2.82 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
EPC145-22 v1.0 Addendum to EPC121-16 SCT Inst C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 389.39 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