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SEPA Credit Transfer public consultation

The EPC attaches utmost importance to involve all stakeholders of the payment value chain in the evolution of the SEPA Credit Transfer (SCT) scheme.

The EPC payment schemes are updated every two years to reflect the market needs and the evolution of technical standards.

Previous public consultation

The previous EPC payment scheme rulebook change management cycle was organised throughout 2024, and ended with the publication of the 2025 SCT and SDD rulebooks on 28 November 2024.

In line with its commitment to transparency, the EPC has published all comments received during the public consultation, as well as the position of the EPC multi-stakeholder groups on these comments.

Read more about the comments received during the 2024 public consultation

Read more about the positions of the EPC multi-stakeholder groups
 

 

Next EPC payment scheme rulebook change management cycle

The next EPC payment scheme rulebook change management cycle will take place in 2026. Stakeholders are invited to submit change requests to the EPC payment scheme rulebooks by 31 December 2025 by completing a dedicated templateThe change requests received will be considered for future versions of the SCT rulebook and associated implementation guidelines. The 2027 SCT rulebook and implementation guidelines will be published in November 2026, to take effect in November 2027.