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SEPA Direct Debit B2B rulebook and implementation guidelines

The SEPA Direct Debit Business-to-Business (SDD B2B) scheme is an optional scheme, offered exclusively to business payers.

SEPA Direct Debit B2B rulebook

The SDD B2B scheme gives both the billers and the business payers efficiency gains thanks to the automation of payment processing, and an improved liquidity, as the bills are automatically paid when they are due.

Scheme participants can find on this page the rulebooks, the Implementation Guidelines (IGs), and other relevant documents to implement the SDD B2B scheme in their systems.

SDD B2B rulebook currently in effect

The SDD B2B rulebook currently in effect up to and including 5 October 2025 is the 2023 SDD B2B rulebook version 1.1. Version 1.1 formally replaced version 1.0 of the 2023 SDD B2B rulebook at its publication on 14 November 2023.

Read more about the 2023 SDD B2B rulebook version 1.1  

The Implementation Guidelines of the 2023 SDD B2B rulebook are based on the 2019 message version of the ISO 20022 standard.

Read more about the 2023 SDD B2B Customer-to-PSP IGs version 1.1
Read more about the 2023 SDD B2B Inter-PSP IGs version 1.1
Read more about the 2023 SDD B2B e-Mandate service IGs version 1.1

Do you want to use the EPC’s Intellectual Property Rights related to its SEPA payment schemes’ rulebooks and implementation guidelines for non-euro transactions? Click here for more information.