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 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.
The Implementation Guidelines of the version 1.1 of the 2021 rulebook are based on the 2009 version of ISO 20022.
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- 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.
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