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Evolution of the EPC payment schemes

The EPC payment schemes are used to facilitate billions of transactions every year in Europe and beyond.

Evolution of the schemes 01

In an increasingly digital world, technology and consumer needs change rapidly. The EPC regularly updates its schemes in order to adapt and remain at the forefront of payments technology.

An open and transparent change-management process

The EPC payment schemes are updated every two years to reflect market needs and evolutions in the technical standards developed by international standards bodies, such as the International Organization for Standardization. This evolution is guided through a transparent change-management process, open to all stakeholders:

Scheme Evolution Process EPC


In line with its commitment to transparency, the EPC publishes its position on each change request after the public consultation comment received during the public consultation, so that all stakeholders know why their change requests propositions were taken forward or set aside.

EPC payment scheme evolution calendar

The call for change requests for the SEPA Credit Transfer (SCT), SEPA Instant Credit Transfer (SCT Inst), SEPA Direct Debit (SDD) Core, the SDD Business-to-Business and the One-Leg Out Instant Credit Transfer (OCT Inst) rulebooks for the 2024 change management process cycle runs until 31 December 2023 included. 

Any stakeholder interested can submit their change requests by using this template. These change requests will then be considered for the 2024 change management process cycle.

Download the template

  • Until 31 December 2023
    Call for change requests
  • Between March and June 2024
    Three-month public consultation
  • November 2024
    Publication of the next rulebook (entering into effect in one year later)
The EPC payment scheme rulebook versions until 2025
This diagram shows which rulebook version is in effect and when.

Rulebook diagram