Payment service providers providing SCT services can find on this page information to help them implement the scheme.
The SCT rulebook currently in effect up to and including 16 November 2025 is the 2023 SCT rulebook version 1.1. Version 1.1 formally replaced version 1.0 of the 2023 SCT rulebook at its publication on 14 November 2023.
Read more about the 2023 SCT rulebook version 1.1
The Implementation Guidelines of the 2023 SCT rulebook are based on the 2019 message version of the ISO 20022 standard.
Read more about the 2023 SCT Customer-to-PSP IGs version 1.1
Read more about the 2023 SCT Inter-PSP IGs version 1.1
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.
Guidance on the migration to the 2019 version of the ISO 20022-based XML messaging standard
Guidance on the use of structured addresses under the SEPA payment schemes as of November 2025
Guidance to improve transparency for retail payment end-users
Guidance on reason codes for SEPA Credit Transfer R-transactions
Clarification paper on SEPA Credit Transfer and SEPA Instant Credit Transfer rulebooks
Clarification Paper on the Use of Slashes in References, Identifications and Identifiers
Quick Response code: Guidelines to enable data capture for the initiation of a SEPA Credit Transfer
Recommendation on customer reporting of SCT and SDD
SEPA requirements for an extended character set (UNICODE subset) - best practices
Yearly update of the Payment Threats and Fraud Trends Report