This is also a key tool for any and Clearing and Settlement Mechanism (CSM) that needs to know which organisations are able to send and receive credit transfers and direct debits.
There is a Register of Participants for each European Payments Council scheme (the Credit Transfer, the Instant Credit Transfer, the Direct Debit Core, the Direct Debit Business-to-Business and the Request-to-pay schemes). A separate register is kept for those scheme participants that have adhered to the Extended Remittance Information option.
Only legal entities within
that have adhered to the
schemes are included in the Register of Participants. Branches are not included, unless they are
branches of a Payment Service Provider incorporated in a country that is outside the geographical scope of the
Scheme participants and as well as other technical infrastructures seeking to ensure their systems have up-to-date statuses for all participating (as well as non- for the scheme) can find the planned updates of the Register of Participants below. The schedule also includes the deadlines for applicant scheme participants to submit their adherence packs for a given Register update publication.
Download here the calendar of 2023.
In accordance with industry practice, the operational start date is the first Monday after the first full weekend of the month.
Adherence receipt deadline by
Register , and publication
Operational Readiness Date
|28 October 2022||18 November 2022||12 December 2022|
|1||23 December 2022||13 January 2023||6 February 2023|
|2||20 January 2023||10 February 2023||6 March 2023|
|3||17 February 2023||10 March 2023||3 April 2023|
|4||17 March 2023||7 April 2023||2 May 2023|
|5||21 April 2023||12 May 2023||5 June 2023|
|6||19 May 2023||9 June 2023||3 July 2023|
|7||21 July 2023||11 August 2023||4 September 2023|
|8||18 August 2023||8 September 2023||2 October 2023|
|9||22 September 2023||13 October 2023||6 November 2023|
|10||20 October 2023||10 November 2023||4 December 2023|
For those interested in knowing the numbers of Payments Service Providers ( ) who adhered to the Credit Transfer ( ), Instant Credit Transfer ( ), Direct Debit ( ) Core, Direct Debit Business-to-Business ( ) and Request-to-Pay ( ) schemes per country you can find the latest data in the document below.
scheme participants may need to know the total number of scheme participants in order to be able to assess the percentage of scheme participants affected in the circumstances of a so-called major incident.
The Business Identifier Codes (BICs) that are listed in the Register of Participants are reference BICs only (used to unambiguously identify the scheme participants adhering to the relevant scheme), and must not be relied upon as valid routing BICs. Any organisation using these BICs for routing rather than reference purposes may face difficulties when initiating or processing transactions.
When a scheme participant chooses a CSM, it provides its routing BICs (including those of its branches) to this organisation.
compliant with the schemes use the Register of Participants to check which are reachable in the context of transactions.