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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.

Current public consultation

Anyone interested in the evolution of the SEPA Credit Transfer (SCT) scheme can participate in the public consultation on the 2026 SCT change requests from 13 March to 11 June 2026 closing at 17h00 CET. 

The SCT Scheme Rulebook - Public Consultation Document on 2026 Change Requests  provides more details about how each stakeholder can take part in this public consultation.

Read more about the evolution of the EPC payment schemes 
 

Next EPC payment scheme rulebook change management cycle

The next EPC payment scheme rulebook change management cycle will take place in 2028. Stakeholders are invited to submit change requests to the EPC payment scheme rulebooks by 12 November 2027 by completing a dedicated templateThe change requests received will be considered for future versions of the SCT rulebook and associated implementation guidelines. The 2029 SCT rulebook and implementation guidelines will be published in November 2028, to take effect in November 2029.

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