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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 30 November 2020 is the 2019 rulebook version 1.1. This version has no impact on the business and operational rules compared to the 2019 rulebook version 1.0.

Read more about the 2019 SDD Core rulebook version 1.1

The rulebook in effect from 1 December 2020 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 versions 1.1 and 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.

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 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 scheme participants covered by that transaction is based in a non- country.