The Direct Debit (SDD) 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 in effect until November 2019 is the 2017 Direct Debit Core rulebook version 1.1.
The Implementation Guidelines are based on the 2009 version of ISO 20022.
Read more about SDD Core scheme Customer-to-Bank IGs 2017 version 1.0
Read more about SDD Core scheme Interbank IGs 2017 version 1.0
Read more about SDD Core scheme e-Mandate service IGs 2017 version 1.0
Annex III of the 2017 rulebook version 1.1 lists all changes compared to version 1.0.
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.
Clarification paper on SEPA Direct Debit Core and SEPA Direct Debit Business-to-Business rulebooks
The SDD Manadate
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
2017 payment threats and fraud trends report