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Evolution of the EPC SEPA payment schemes

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

Evolution of the schemes 01

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

An open and transparent change-management process

The 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 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.

payment scheme evolution calendar

The call for change requests for the Credit Transfer, Instant Credit Transfer, Direct Debit ( ) Core and the Business-to-Business scheme rulebooks for the 2022 change management process cycle ended on 30 June 2021. 

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 SEPA payment scheme rulebook versions until 2025
This diagram shows which rulebook version is in effect and when.
Diagram 2023