This EPC payment scheme enables euro credit transfers with the funds made available on the account in less than ten seconds at any time and in an area that will progressively span over 36 European countries. All payment service providers (PSPs) are invited to adhere to the scheme as soon as possible. The technical information for implementing the scheme is available on this page.
The SCT Inst rulebook currently in effect up to 5 October 2025 08:00 CET is the 2023 SCT Inst rulebook version 1.2. Version 1.2 formally replaced version 1.1 of the 2023 SCT Inst rulebook at its publication on 14 November 2023.
Read more about the 2023 SCT Inst rulebook version 1.2
The Implementation Guidelines of the 2023 SCT Inst rulebook are based on the 2019 message version of the ISO 20022 standard.
Read more about the 2023 SCT Inst Customer-to-PSP IGs version 1.2
Read more about the 2023 SCT Inst Inter-PSP IGs version 1.2
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.
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 to improve transparency for retail payment end-users
Guidance on reason codes for SEPA Instant Credit Transfer R-transactions
Clarification paper on SEPA Credit Transfer and SEPA Instant Credit Transfer rulebooks
Clarification Paper on the Use of Slashes in References, Identifications and Identifiers
SEPA requirements for an extended character set (UNICODE subset) - best practices
Yearly update of the Payment Threats and Fraud Trends Report