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 scheme in their systems.
The rulebook currently in effect until 21 November 2021 is the 2019 rulebook version 1.0.
The Implementation Guidelines are based on the 2009 version of ISO 20022.
The 2019 rulebook contains a clarification about which scheme participants must comply with the mandatory Customer-to-Bank (C2B) of the rulebook. It further includes additional r-transaction reason codes related to clearing and settlement-specific issues.
An collection containing an IBAN but not the related BIC, can be transmitted by the Creditor to the Creditor Bank, even if one of the two scheme participants covered by that transaction is based in a non- country.
Annex III of the 2019 rulebook contains a table listing all changes made compared to the 2017 rulebook version 1.2.
Clarification paper on SEPA Direct Debit Core and SEPA Direct Debit Business-to-Business rulebooks
The SDD Mandate
Clarification letter on electronic mandates to SEPA Direct Debit scheme participants
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
2018 payment threats and fraud trends report