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 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 13 December 2021| Version 2021 V1.0 SEPA Credit Transfer Scheme Inter-PSP Implementation Guidelines 2021 version 1.0 Implementation Guidelines Credit transfer EPC115-06 SCT Inter-PSP IG 2021 V1.0 DownloadPDF | 4.04 MB EPC080-21v1.0 Errata to the 2021 Version 1.0 SCT IGs DownloadPDF | 583.76 KB ECP115-06_2021 SCT InterPSP IG 2021 V1.0 XSD_Update_26112021 DownloadZIP | 234.33 KB
Implementation Guidelines 26 November 2020| Version 2021 V1.0 SEPA Credit Transfer Scheme Customer-to-PSP Implementation Guidelines 2021 version 1.0 Implementation Guidelines Credit transfer EPC132-08 SCT C2PSP IG 2021 V1.0 DownloadPDF | 1.9 MB EPC132-08 SCT C2PSP IG 2021 V1.0 XSD Update DownloadZIP | 50.38 KB EPC080-21v1.0 Errata to the 2021 Version 1.0 SCT IGs DownloadPDF | 583.76 KB
Implementation Guidelines 22 June 2022| Version 2023 V1.0 SEPA Credit Transfer Inter-PSP Implementation Guidelines 2023 version 1.0 Implementation Guidelines Credit transfer EPC115-06 SCT Inter-PSP IG 2023 V1.0 DownloadPDF | 4.38 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 30 June 2022| Version 2023 V1.0 SEPA Credit Transfer Customer-to-PSP Implementation Guidelines 2023 version 1.0 Implementation Guidelines Credit transfer EPC132-08 SCT C2PSP IG 2023 V1.0 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 | 419.39 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 | 419.39 KB
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
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
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 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
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
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
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
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
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
Guidance documents 14 November 2023| Version 5.0 Guidance on reason codes for SEPA Credit Transfer R-transactions Guidance documents Credit transfer EPC135-18 v5.0 Guidance on Reason Codes for SCT R-transactions DownloadPDF | 453.4 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
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
Guidance documents 18 March 2024| Version v3.1 Quick Response Code: Guidelines to Enable Data Capture for the Initiation of a SEPA Credit Transfer Guidance documents Credit transfer EPC069-12 v3.1 Quick Response Code - Guidelines to Enable the Data Capture for the Initiation of an SCT DownloadPDF | 383.88 KB
EPC069-12 v3.1 Quick Response Code - Guidelines to Enable the Data Capture for the Initiation of an SCT DownloadPDF | 383.88 KB
Other 14 November 2023| Version 3.0 Payment Scheme Participation Fees - Policy and Invoicing Guidelines Other Adherence Credit transfer Direct debit One-Leg Out Instant credit transfer EPC194-15 EPC Payment Scheme Participation Fees - Invoicing policy and guidelines v3.0 DownloadPDF | 462.51 KB
EPC194-15 EPC Payment Scheme Participation Fees - Invoicing policy and guidelines v3.0 DownloadPDF | 462.51 KB
Rulebooks 12 March 2024| Version v1.0 SEPA Credit Transfer Rulebook - Public Consultation Document on 2024 Change Requests and Response Template Rulebooks 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
EPC006-24 SCT Scheme Rulebook - Public Consultation Document on 2024 Change Requests DownloadPDF | 3.18 MB
Rulebooks 14 November 2023| Version 1.1 2023 SEPA Credit Transfer rulebook version 1.1 Rulebooks Credit transfer EPC125-05 2023 SCT Rulebook version 1.1 DownloadPDF | 1.65 MB
Rulebooks 14 November 2023| Version 1.3 2021 SEPA Credit Transfer rulebook version 1.3 Rulebooks Credit transfer EPC125-05 2021 SCT Rulebook version 1.3 DownloadPDF | 1.47 MB
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
Rulebooks 25 May 2022| Version v1.0 2023 SEPA Credit Transfer rulebook version 1.0 Rulebooks Credit transfer EPC125-05 2023 SCT Rulebook version 1.0 DownloadPDF | 1.3 MB
Rulebooks 25 May 2022| Version v1.2 2021 SEPA Credit Transfer rulebook version 1.2 Rulebooks Credit transfer EPC125-05 2021 SCT Rulebook version 1.2 DownloadPDF | 1.28 MB
Rulebooks 13 December 2021| Version v1.1 2021 SEPA Credit Transfer rulebook version 1.1 Rulebooks Credit transfer EPC125-05 2021 SCT Rulebook version 1.1 DownloadPDF | 1.25 MB
Rulebooks 26 November 2020| Version v1.0 2021 SEPA Credit Transfer rulebook version 1.0 Rulebooks Credit transfer 2021 SCT Rulebook version 1.0 DownloadPDF | 1.3 MB
Rulebooks 25 May 2022| Version v1.0 2022 Public Consultation – EPC SEPA Payment Scheme Change Proposal Submission Documents Rulebooks Credit transfer Direct debit Governance 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
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
15 March 2018 Mandate ad-hoc multi-stakeholder group on Mobile Initiated SEPA Credit Transfers (including SCT Inst) and Table of Content of the Mobile Initiated SEPA Credit Transfer Interoperability Implementation Guidelines Credit transfer Instant credit transfer Mobile Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments Mandate ad-hoc multi-stakeholder group for Mobile Initiated SEPA Credit Transfers (MSG MSCT 001-18v1.0) DownloadPDF | 134.54 KB
Mandate ad-hoc multi-stakeholder group for Mobile Initiated SEPA Credit Transfers (MSG MSCT 001-18v1.0) DownloadPDF | 134.54 KB
Rulebooks 13 September 2021| Version v1.0 SEPA Credit Transfer Rulebook - Public Consultation Document on 2022 Change Requests and Response Template Rulebooks 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
EPC156-21 SCT Scheme Rulebook - Public Consultation Document on 2022 Change Requests DownloadPDF | 3.19 MB
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
Other 11 March 2024| Version 2.0 Membership list of the Scheme Technical Player Multi-Stakeholder Group Other Credit transfer Direct debit Instant credit transfer SEPA Proxy Lookup (SPL) Scheme Technical Player Multi-Stakeholder Group (STP MSG) SEPA Request-to-Pay (SRTP) EPC279-23 STP MSG Membership List v2.0 DownloadPDF | 170.3 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
Other 04 March 2024| Version 3.0 Membership list of the Scheme End-User Multi-Stakeholder Group Other Credit transfer Direct debit Instant credit transfer SEPA Proxy Lookup (SPL) Scheme End-User Multi-Stakeholder Group (SEU MSG) SEPA Request-to-Pay (SRTP) One-Leg Out One-Leg Out Instant Credit Transfer (OCT Inst) EPC280-23 SEU MSG Membership List v3.0 DownloadPDF | 207.46 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
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