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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 Core scheme.

SDD Core rulebook currently in effect

The Core rulebook currently in effect until 21 November 2021 is the 2019 Core rulebook version 1.0.

Read more about the 2019 SDD Core rulebook version 1.0   

The Implementation Guidelines 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.

Main changes introduced in the 2019 SDD Core rulebook

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.