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SEPA Direct Debit B2B rulebook

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 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 (), and other relevant documents to implement the SDD B2B scheme in their systems.

SDD B2B scheme rulebook currently in effect

The rulebook in effect until 19 November 2017 is version 7.3.

Read more about the SDD B2B rulebook version 7.3

The changes introduced in version 7.3 of the SDD B2B rulebook are of an administrative nature only, related to an updated version of the Scheme Management Internal Rules (SMIRs). The SMIRs describe the internal organisation, structure, rules and processes of the SEPA schemes.

The relevant to the SDD B2B rulebook version 7.3 are based on the 2009 version of ISO 20022.

SDD B2B scheme Customer-to-Bank IGs version 7.0
SDD B2B scheme Interbank IGs version 7.0
SDD B2B scheme e-Mandate service IGs version 7.0
SDD B2B scheme advance mandate information service IGs version 7.0

2017 SDD B2B scheme rulebook

The 2017 rulebook version 1.0 is effective from 19 November 2017 until November 2019.

Read more about the 2017 SDD B2B rulebook version 1.0

The to the 2017 SDD B2B rulebook version 1.0 are based on the 2009 version of ISO 20022.

SDD B2B scheme Customer-to-Bank IGs 2017 version 1.0
SDD B2B scheme Interbank IGs 2017 version 1.0
SDD B2B scheme e-Mandate service IGs 2017 version 1.0

Main changes introduced in the 2017 SDD B2B scheme rulebook

Annex III of the 2017 rulebook version 1.0 lists all changes compared to the version 7.3 of the SDD B2B rulebook. The most important are detailed below.

  • The return period during which SDD B2B collections can be returned, has been extended from two to three interbank business days. This should lead to a decrease in the number of SDD B2B returns.
  • The 2017 SDD B2B rulebook includes the obligation for scheme participants to accept at least but not exclusively Customer-to-Bank (C2B) payment message files based on the specifications defined in its C2B SEPA scheme . Customers will still have the choice either to continue using their current C2B payment message file set-up or to opt for the C2B payment message file based on the EPC specifications. 
  • The 2017 SDD rulebooks formally refer to the EPC document Guidance on Reason Codes for SDD R-transactions. This guidance enables scheme participants to use the correct SDD R-transaction codes to maximise the straight-through processing rate of such exceptional transactions and to provide meaningful and consistent information to the biller and the biller bank. The guide prescribes which ISO code should be used for each of the reasons under each R-transaction type. With the contents of this guide separated from the SDD B2B rulebook, the EPC has more flexibility to provide updated instructions at short notice.
  • The 2017 SDD B2B rulebook contains a number of regulatory changes driven by the revised Payment Services Directive (), becoming effective as of 13 January 2018, and by the guide for the assessment of direct debit schemes against the oversight standards of the Eurosystem.
    These changes impact the rights and obligations of scheme participants and the SMIRs but do not affect the operational and business rules of the SDD B2B rulebook.
  • Finally, the 2017 SDD B2B rulebook no longer contains Annex IX ‘Advance Mandate Information’.