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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 B2B 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 B2B scheme in their systems.

SDD B2B scheme rulebook currently in effect

The B2B rulebook in effect until 17 November 2019 is the 2017 B2B rulebook version 1.2.

Read more about the 2017 SDD B2B rulebook version 1.2 

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

SDD B2B scheme Customer-to-Bank IGs 2017 version 1.0
SDD B2B scheme Interbank IGs 2017 version 1.0
SDD B2B scheme e-Mandate service IGs 2017 version 1.0

Main changes introduced in the 2017 SDD B2B rulebook version 1.2

Annex III of the 2017 B2B rulebook version 1.2 lists all changes compared to versions 1.0 and 1.1. No changes impacting the business and operational rules or the related implementation guidelines were made in this version.

The first change is the updated definition of the rulebook term ‘Major Incidents’. This definition change constitutes a regulatory change. The updated definition of this term now refers to the Eurosystem major incident reporting framework for payment schemes and retail payment systems entering into force on 1 January 2019. The new definition also points to the document 190-18 ‘Details about major incident reporting for scheme participants’. 

This document outlines the detailed assessment criteria for each scheme participant to determine whether an operational or information security incident fits the criteria of a major incident and needs to be reported to the or not. The document 190-18 is not publicly available. The shares this document directly with all existing and future scheme participants.

Furthermore, this rulebook version also includes the updated version 4.2 of the Scheme Management Internal Rules (SMIRs) which are an integral part of each scheme rulebook. The updated SMIRs include a new section 3.1.11.1 on voting by written procedure by the Scheme Management Board (SMB) and several rewordings in the section 3.2.3.3 on the National Adherence Support Organisation. 

The new SMIRs also contain a new section 4.2.2.2 covering the dialogue between the and its Overseer, and a new section 4.5 describing the process for making changes to the Risk Management Annexes. These SMIRs no longer make any reference to the Certification Authority Supervisory Board (CASB) set up for the e-Mandate option under the scheme rulebooks. The SMB decided to disband the CASB as of 1 January 2019.

2019 SDD B2B rulebook

The 2019 B2B rulebook version 1.0 enters into force on 17 November 2019 and is applicable until November 2021.

Read more about the 2019 SDD B2B rulebook version 1.0   

The Implementation Guidelines 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

 

Main changes introduced in the 2019 SDD B2B rulebook

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 B2B 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 B2B scheme participants covered by that transaction is based in a non- country.

Annex III of the 2019 B2B rulebook contains a table listing all changes made compared to the 2017 B2B rulebook version 1.2.