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SEPA Direct Debit Core rulebook and implementation guidelines

SEPA Direct Debit Core rulebook

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 scheme.

SDD Core 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.

Read more about the 2019 SDD Core 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 Core scheme Customer-to-Bank IGs 2019 version 1.0

Read more about SDD Core scheme Interbank IGs 2019 version 1.0

Read more about SDD Core 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.

2021 SDD Core rulebook

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 Core rulebook version 1.0  

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

Read more about the 2021 SDD Core scheme Customer-to-PSP IGs version 1.0

Read more about the 2021 SDD Core scheme Inter-PSP IGs version 1.0

Read more about the 2021 SDD Core scheme e-Mandate service IGs version 1.0 
 

Main changes introduced in the 2021 SDD Core rulebook
  • The replacement of the EONIA rate references into references to the euro short-term rate (€STR).
  • 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.