Rulebook and implementation guidelines to implement the SDD B2B scheme

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.

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

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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.

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

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.

Other useful documents for the SDD B2B scheme implementation

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

SEPA Direct Debit B2B rulebook and implementation guidelines

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