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SEPA Direct Debit B2B rulebook and implementation guidelines

The SEPA Direct Debit Business-to-Business (SDD B2B) scheme is an optional scheme, offered exclusively to business payers.

SEPA Direct Debit B2B rulebook

The scheme gives both the billers and the business payers efficiency gains thanks to the automation of payment processing, and an improved liquidity, as the bills are automatically paid when they are due.

Scheme participants can find on this page the rulebooks, the Implementation Guidelines (), and other relevant documents to implement the scheme in their systems.

SDD B2B scheme rulebook currently in effect

The Direct Debit Business-to-Business rulebook in effect until November 2019 is the 2017 Direct Debit Business-to-Business rulebook version 1.1. 

Read more about the 2017 SDD B2B rulebook version 1.1

The to the 2017 rulebook version 1.1 are based on the 2009 version of ISO 20022.

SDD B2B scheme Customer-to-Bank IGs 2017 version 1.0
SDD B2B scheme Interbank IGs 2017 version 1.0
SDD B2B scheme e-Mandate service IGs 2017 version 1.0

Main changes introduced in the 2017 SDD B2B scheme rulebook version 1.1

Annex III of the 2017 rulebook version 1.1 lists all changes compared to the version 1.0 of the 2017 rulebook. 

The only changes concern regulatory changes stemming from the guide for the assessment of direct debit schemes against the oversight standards of the Eurosystem. With these changes, each scheme participant is obliged to comply with 'generic supervisory requirements' applicable to them, on top of the existing obligation to comply with applicable rules and regulations. These rulebook changes do not affect the operational and business rules of the rulebook. 

The term 'generic' relates to supervisory requirements that are applicable to all in . However, it does not cover tailored supervisory requirements that supervisory authorities may impose in addition to a particular . Such specifically defined supervisory requirements are not publicly disclosed.