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Toolkit for new EPC SEPA payment scheme participants

Useful resources to implement the EPC SEPA schemes

The following infographic will guide you through the main steps to become an payment scheme participant: 

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Participation to the payment schemes does not require membership. The first step in adhering to the payment schemes is to download the Guide to the schemes adherence process.

Read more about the Guide to the SEPA schemes adherence process

FAQs to the EPC Adherence Guide

This guide details the eligibility criteria and the instructions for completing the adherence pack. It also lists the information and documents that payment service providers ( ) have to provide to substantiate their adherence.

For each scheme to which the applicant wishes to adhere, three template documents have to be completed and signed.

  • The adherence agreement, which summarises the main information submitted by the and formalises the ’s participation.
  • The schedule information document, in which the specifies its contact details, foreseen reachability date and details for invoicing.
  • The legal opinion, signed by a legal counsel internal or external to the applicant. There are two templates, one ‘standard’ and one for licensed branches of non- country institutions.

These documents are included for information in the adherence guide and available below in the adherence packs for each scheme:

SEPA Credit Transfer scheme adherence pack

SEPA Credit Transfer scheme adherence pack - Extended Remittance Information option

SEPA Instant Credit Transfer scheme adherence pack

SEPA Direct Debit Core scheme adherence pack

SEPA Direct Debit Business-to-Business scheme adherence pack


As detailed in the adherence guide, other documents and information might have to be provided, for example regarding the applicant’s reachability.

The adherence pack can be sent:

  • Either via the ’s National Adherence Support Organisation (NASO – usually the national banking association). This document provides the name and contact address of each NASO in .
  • Or directly to the .
Useful resources to implement the EPC SEPA schemes

New scheme participants will need the following documents to implement a European Payments Council Single Euro Payments Area scheme in their systems:

The scheme rulebook, which is the set of rules, obligations and technical standards for the execution of a Single Euro Payments Area payment. The technical translation of the rulebook into ISO 20022 payment messages is described in the scheme customer-to-bank and the interbank implementation guidelines. The rulebooks and the related implementation guidelines are available on the following links: 

SEPA Credit Transfer (SCT) rulebook

SEPA Instant Credit Transfer (SCT Inst) rulebook

SEPA Direct Debit Core (SDD Core) rulebook

SEPA Direct Debit Business-to-Business (SDD B2B) rulebook


The Payment Scheme Management Rules explaining the principles governing the administration and evolution of the scheme:

Read more about the SEPA Payment Scheme Management Rules


If you have further questions, you can contact the EPC.