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SEPA Direct Debit

The two EPC SEPA Direct Debit schemes offer consumers and businesses a convenient and secure means of paying bills. They are used to facilitate over 20 billion transactions every year in SEPA.

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Other
04 February 2017

SEPA logo in vector format

Other
Media and communication
Guidance documents
10 January 2023

Specification of QR-codes for Mobile (Instant) Credit Transfers (MCTs) submitted to ISO

Guidance documents
Credit transfer
Instant credit transfer
Mobile
SEPA Proxy Lookup (SPL)
Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT)
Person-to-Person mobile payments
Request-To-Pay Multi-Stakeholder Group (RTP MSG)

SEPA Credit Transfer

A credit transfer is an electronic payment from one payment account to another. The SEPA Credit Transfer (SCT) scheme makes the transfer of money in Europe easy and convenient.

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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

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

Implementation Guidelines
Direct debit

Register of Participants

The Register of Participants lists all payment service providers (PSPs) and other eligible institutions who adhere to the EPC payment and payment related schemes.

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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 Inter-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 Inter-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 Customer-to-PSP Implementation Guidelines 2023 version 1.2

Implementation Guidelines
Instant credit transfer

Non-euro currencies banknotes

The EPC publishes information on technical specifications related to non-euro currencies banknotes to help interested parties ascertain whether these are still in circulation and can be accepted in payment.

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