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 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
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
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 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
Minutes and agendas 20 October 2022 Agenda and minutes of the second meeting of the Scheme Technical Player Multi-Stakeholder Group (September 2022) 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) STP MSG 003-22 Agenda 2nd STP MSG meeting 2022-09-07 DownloadPDF | 192.42 KB STP MSG 004-22 Minutes 2nd STP MSG meeting 07 September 2022 DownloadPDF | 308.75 KB
Minutes and agendas 20 October 2022 Agenda and minutes of the second meeting of the Scheme End-User Multi-Stakeholder Group (September 2022) 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) SEU MSG 003-22 Agenda 2nd SEU MSG meeting 2022-09-12 DownloadPDF | 195.91 KB SEU MSG 004-22 Minutes 2nd SEU MSG meeting 12 September 2022 DownloadPDF | 280.91 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
Minutes and agendas 21 December 2021 Agenda and minutes of the 13th meeting of the EPC Scheme End-User Forum (September 2021) Minutes and agendas Credit transfer Direct debit EPC Scheme End User Forum (SEUF) Instant credit transfer SEUF 003-21 Agenda 13th meeting Scheme End-User Forum 2021-09-10 DownloadPDF | 165.79 KB SEUF 004-21 Minutes 13th SEUF meeting 10 September 2021 DownloadPDF | 339.74 KB
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
Guidance documents 25 May 2022| Version v1.0 Guidance to improve transparency for retail payment end-users Guidance documents Credit transfer Direct debit Instant credit transfer Scheme End-User Multi-Stakeholder Group (SEU MSG) EPC088-22 EPC guidance document - Improve Transparency for Retail Payment End-Users DownloadPDF | 677.37 KB
EPC088-22 EPC guidance document - Improve Transparency for Retail Payment End-Users DownloadPDF | 677.37 KB
Minutes and agendas 14 April 2022 Agenda and minutes of the first meeting of the Scheme End-User Multi-Stakeholder Group (March 2022) 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) SEU MSG 001-22 Agenda 1st SEU MSG meeting 2022-03-01 DownloadPDF | 195.45 KB SEU MSG 002-22 Minutes 1st SEU MSG meeting 01 March 2022 DownloadPDF | 345.29 KB
Minutes and agendas 14 April 2022 Agenda and minutes of the first meeting of the Scheme Technical Player Multi-Stakeholder Group (March 2022) 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) STP MSG 001-22 Agenda 1st STP MSG meeting 2022-03-03 DownloadPDF | 192.61 KB STP MSG 002-22 Minutes 1st STP MSG meeting 03 March 2022 DownloadPDF | 412.12 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
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
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