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.
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.
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.
- 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.
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