The Direct Debit () Core scheme is used by thousands of payment service providers () who offer individual consumers and businesses the convenience and security of euro direct debits in Europe. This page provides the information need in order to implement the Core scheme.
The Core rulebook in effect until 17 November 2019 is the 2017 Core rulebook version 1.2.
The Implementation Guidelines for the version 1.2 are based on the 2009 version of ISO 20022.
Read more about SDD Core scheme Customer-to-Bank IGs 2017 version 1.0
Read more about SDD Core scheme Interbank IGs 2017 version 1.0
Read more about SDD Core scheme e-Mandate service IGs 2017 version 1.0
Annex III of the 2017 Core 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 126.96.36.199 on voting by written procedure by the Scheme Management Board (SMB) and several rewordings in the section 188.8.131.52 on the National Adherence Support Organisation.
The new SMIRs also contain a new section 184.108.40.206 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.
The 2019 Core rulebook version 1.0 enters into force on 17 November 2019 and is applicable until November 2021.
The Implementation Guidelines are based on the 2009 version of ISO 20022.
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 Core 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 Core scheme participants covered by that transaction is based in a non- country.
Annex III of the 2019 Core rulebook contains a table listing all changes made compared to the 2017 Core rulebook version 1.2.
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
2018 payment threats and fraud trends report