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.
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
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Guidance on the migration to the 2019 version of the ISO 20022-based XML messaging standard
Guidance on the use of structured addresses under the SEPA payment schemes as of November 2025
Guidance on reason codes for SEPA Direct Debit r-transactions
Clarification paper on SEPA Direct Debit Core and SEPA Direct Debit Business-to-Business rulebooks
Clarification Paper on the Use of Slashes in References, Identifications and Identifiers
Clarification letter on electronic mandates to SEPA Direct Debit scheme participants
Recommendation on customer reporting of SCT and SDD
Explanatory note on use of ‘COR1’ and ‘SMNDA’ in SDD R-transactions
SEPA requirements for an extended character set (UNICODE subset) - best practices
Yearly update of the Payment Threats and Fraud Trends Report