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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 18 November 2023 is the 2021 rulebook version 1.1. The version 1.1 has no specific impact on the business and operational rules compared to the version 1.0 of the 2021 rulebook.

Read more about the 2021 SDD B2B rulebook version 1.1

The Implementation Guidelines of the version 1.1 of the 2021 rulebook 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 

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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 1.1 lists all changes compared to the version 1.0 of the 2021 rulebook and the version 1.2 of the 2019 rulebook.