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SEPA Direct Debit B2B rulebook and implementation guidelines

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 scheme in their systems.

SDD B2B rulebook currently in effect

The rulebook currently in effect up to and including 20 November 2021 is the 2019 rulebook version 1.2. This version has no impact on the business and operational rules compared to the 2019 rulebook version 1.1.

Read more about the 2019 SDD B2B rulebook version 1.2

The Implementation Guidelines of the version 1.2 of the 2019 rulebook are based on the 2009 version of ISO 20022.

Read more about SDD B2B scheme Customer-to-Bank IGs 2019 version 1.0

Read more about SDD B2B scheme Interbank IGs 2019 version 1.0

Read more about SDD B2B scheme e-Mandate service IGs 2019 version 1.0

Do you want to use the EPC’s Intellectual Property Rights related to its SEPA payment schemes’ rulebooks and implementation guidelines for non-euro transactions? Click here for more information.

2021 SDD B2B rulebook

The 2021 rulebook version 1.0 enters into force on 21 November 2021 and is applicable up to and including 18 November 2023.

Read more about the 2021 SDD B2B rulebook version 1.0  

The Implementation Guidelines are based on the 2009 version of ISO 20022.

Read more about the 2021 SDD B2B scheme Customer-to-PSP IGs version 1.0

Read more about the 2021 SDD B2B scheme Inter-PSP IGs version 1.0

Read more about the 2021 SDD B2B scheme e-Mandate service IGs version 1.0 

Main changes introduced in the 2021 SDD B2B rulebook
  • The removal of the current rulebook references to the e-Mandate operating model.
  • The replacement of the term ‘Bank’ with ‘ ’ and an updated definition of the term ‘Customer’.

Annex IV of the 2021 rulebook version 1.0 lists all changes compared to the version 1.2 of the 2019 rulebook.