
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 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.
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
- 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.
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
2019 payment threats and fraud trends report