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SEPA Direct Debit Core rulebook

SEPA Direct Debit Core rulebook

The Direct Debit (SDD) Core scheme is used by thousands of payment service providers () who offer individual consumers and businesses the convenience and security of euro direct debits in Europe. This page provides the information need in order to implement the scheme.

SDD Core scheme rulebook currently in effect

The rulebook in effect until 19 November 2017 is version 9.3.

Read more about SDD Core rulebook version 9.3

The changes introduced in version 9.3 of the 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 schemes.

The Implementation Guidelines () relevant to the rulebook version 9.3 are based on the 2009 version of ISO 20022.

Read more about SDD Core scheme Interbank IGs version 9.0
Read more about SDD Core scheme Customer-to-Bank IGs version 9.0
Read more about SDD Core scheme e-Mandate service IGs version 9.0
Read more about SDD Core scheme advance mandate information service IGs version 9.0

Other useful documents for the scheme implementation:

Clarification paper: SEPA Credit Transfer and SEPA Direct Debit
Clarification letter on electronic mandates to SEPA Direct Debit scheme participants
Clarification paper on the use of electronic mandate solutions
Clarification paper on the change of creditor or creditor reference party
Recommendations on the validity of electronic mandates in a cross-border context
Recommendation on customer reporting of SCT and SDD
Guidance on reason codes for SEPA Direct Debit R-transactions
Explanatory note on use of ‘COR1’ and ‘SMNDA’ in SDD R-transactions
SEPA requirements for an extended character set (UNICODE subset) – best practices
Creditor identifier overview

2017 SDD Core scheme rulebook

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

Read more about 2017 SDD Core rulebook

The are based on the 2009 version of ISO 20022.

Read more about SDD Core scheme Customer-to-Bank IGs 2017 version 1.0
Read more about SDD Core scheme Interbank IGs 2017 version 1.0
Read more about SDD Core scheme e-Mandate service IGs 2017 version 1.0

Main changes introduced in the 2017 SDD Core rulebook

Annex III of the 2017 rulebook version 1.0 lists all changes compared to version 9.3 of the rulebook. The most important are detailed below.

  • The 2017 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 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 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 creditor and the creditor 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 rulebook, the has more flexibility to provide updated instructions at short notice.
  • The 2017 rulebook contains a number of regulatory changes driven by the revised Payment Services Directive (, which becomes effective as of 13 January 2018) and by the guide for the assessment of direct debit schemes against the oversight standards of the Eurosystem. The Eurosystem has conducted an oversight assessment of the scheme. These changes impact the rights and obligations of scheme participants and the SMIRs but do not affect the operational and business rules of the rulebook.
  • Finally, the 2017 rulebook no longer contains Annex IX, ‘Advance Mandate Information’.