{"id":3076,"date":"2025-10-14T19:30:06","date_gmt":"2025-10-14T17:30:06","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=3076"},"modified":"2026-03-24T08:49:46","modified_gmt":"2026-03-24T07:49:46","slug":"sepa-implementation-guidelines","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/standards-in-payments\/sepa-implementation-guidelines\/","title":{"rendered":"SEPA implementation guidelines"},"content":{"rendered":"\n<p>All financial institutions and companies in SEPA countries must use the same standards for submitting <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/\" type=\"btv_wiki\" id=\"3108\"><strong><u>European credit transfers and European direct debits<\/u><\/strong><\/a>. EPC and Dutch banks have developed various documents for this purpose. Any bank-specific information is usually described in a bank-specific document. Below is an overview of the relevant and available information for each scheme.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-go-directly-to\">Go directly to<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#sct\">SEPA Credit Transfer<\/a><\/li>\n\n\n\n<li><a href=\"#sct-inst\">SEPA Instant Credit Transfer<\/a><\/li>\n\n\n\n<li><a href=\"#sdd-core\">SEPA Direct Debit Core<\/a><\/li>\n\n\n\n<li><a href=\"#b2b\">SEPA Direct Debit Business-to-Business<\/a><\/li>\n\n\n\n<li><a href=\"#rtp\">SEPA Request-to-Pay<\/a><\/li>\n\n\n\n<li><a href=\"#vop\">Verification of Payee<\/a><\/li>\n\n\n\n<li><a href=\"#olo\">One-Leg Out Instant Credit Transfer<\/a><\/li>\n\n\n\n<li><a href=\"#trx\">Reporting van SEPA-transacties<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"sct\">SEPA Credit Transfer<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rulebook\">Rulebook<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-09\/EPC125-05%202025%20SCT%20Rulebook%20version%201.1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SCT Rulebook 2025 v1.1<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-implementation-guidelines\">Implementation Guidelines<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2024-11\/EPC115-06%20SCT%20Inter-PSP%20IG%202025%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SCT Scheme Inter-PSP IG 2025 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2020-11\/EPC115-06%20SCT%20Inter-PSP%20IG%202021%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SCT Scheme Inter-PSP IG 2021 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><br>&#8211;&nbsp;<a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2021-05\/EPC080-21v1.0%20Errata%20to%20the%202021%20Version%201.0%20SCT%20IGs.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Errata to the SCT Scheme Inter-PSP IG 2021 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2024-11\/EPC132-08%20SCT%20C2PSP%20IG%202025%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SCT Scheme Customer-to-PSP IG 2025 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2020-11\/EPC132-08%20SCT%20C2PSP%20IG%202021%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SCT Scheme Customer-to-PSP IG 2021 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><br>&#8211;&nbsp;<a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2021-05\/EPC080-21v1.0%20Errata%20to%20the%202021%20Version%201.0%20SCT%20IGs.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Errata to the SCT Scheme Customer-to-PSP IG 2021 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li>PLUS Implementation Guidelines for the Netherlands:<br>&#8211;&nbsp;<a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/11\/Betaalvereniging-NL_IG-C2B-SEPA-Credit-Transfer_2023_v1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SCT Customer to Bank 2023 v1.0<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-guidance-documents\">Guidance documents<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2024-11\/EPC135-18%20v6.0%20Guidance%20on%20Reason%20Codes%20for%20SCT%20R-transactions.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Guidance on reason codes for SCT R-transactions v6.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2019-07\/EPC092-19V1.0%20Guidance%20On%20Usage%20Of%20Extended%20Remittance%20Information%20%28ERI%29_0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Guidance on the usage of Extended Remittance Information v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-10\/EPC131-17%20v4.0%20Clarification%20Paper%20SCT%20and%20SCT%20Inst%20scheme%20rulebooks.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Clarification paper on SCT and SCT Inst Scheme Rulebooks v4.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-04\/EPC188-09%20v5.0%20Recommendation%20on%20Customer%20Reporting%20SCTs%2C%20OCT%20Inst%20and%20SDDs.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Recommendation on ISO 20022 consumer reporting of SCTs, OCT Inst and SDDs v5.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-10\/EPC153-22%20v2.1%20EPC%20guidance%20document%20-%20Provision%20of%20Addresses%20under%20the%20EPC%20Payment%20Schemes.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Guidance document Provision of Addresses under the EPC Payment Schemes V2.1<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"sct-inst\">SEPA Instant Credit Transfer<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rulebook-0\">Rulebook<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-09\/EPC125-05%202025%20SCT%20Rulebook%20version%201.1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SCT Inst Rulebook 2025 v1.1<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-implementation-guidelines-0\">Implementation Guidelines<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2024-11\/EPC122-16%20SCT%20Inst%20Inter-PSP%20IG%202025%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SCT Inst Scheme Inter-PSP IG 2025 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2020-11\/EPC122-16%20SCT%20Inst%20Inter-PSP%20IG%202021%20V1.0_0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SCT Inst Scheme Inter-PSP IG 2021 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2024-11\/EPC121-16%20SCT%20Inst%20C2PSP%20IG%202025%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SCT Inst Scheme Customer-to-PSP IG 2025 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2020-11\/EPC121-16%20SCT%20Inst%20C2PSP%20IG%202021%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SCT Inst Scheme Customer-to-PSP IG 2021 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><br>&#8211;&nbsp;<a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2021-05\/EPC081-21v1.0%20Errata%20to%20the%202021%20Version%201.0%20SCT%20Inst%20C2PSP%20IGs.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Errata to the SCT Inst Scheme Customer-to-PSP IG 2021 v1.0&nbsp;<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-guidance-documents-0\">Guidance documents<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-10\/EPC059-18%20v7.0%20Guidance%20on%20Reason%20Codes%20for%20SCT%20Inst%20R-transactions.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Guidance on reason codes for SCT Inst R-transactions v7.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-10\/EPC131-17%20v4.0%20Clarification%20Paper%20SCT%20and%20SCT%20Inst%20scheme%20rulebooks.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Clarification paper on SCT and SCT Inst Scheme Rulebooks v4.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-04\/EPC188-09%20v5.0%20Recommendation%20on%20Customer%20Reporting%20SCTs%2C%20OCT%20Inst%20and%20SDDs.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Recommendation on ISO 20022 customer reporting of SCTs, OCT Inst and&nbsp;SDDs&nbsp;v5.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-10\/EPC153-22%20v2.1%20EPC%20guidance%20document%20-%20Provision%20of%20Addresses%20under%20the%20EPC%20Payment%20Schemes.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Guidance document Provision of Addresses under the EPC<br>Payment Schemes V2.1<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"sdd-core\">SEPA Direct Debit Core<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rulebook-1\">Rulebook<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-10\/EPC016-06%202025%20SDD%20Core%20Rulebook%20version%201.1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SDD Core Scheme Rulebook 2025 v1.1<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-implementation-guidelines-1\">Implementation Guidelines<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2024-11\/EPC114-06%20SDD%20Core%20Inter-PSP%20IG%202025%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SDD Core Scheme Inter-PSP IG 2025 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2020-11\/EPC114-06%20SDD%20Core%20Inter-PSP%20IG%202021%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SDD Core Scheme Inter-PSP IG 2021 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2024-11\/EPC130-08%20SDD%20Core%20C2PSP%20IG%202025%20V1.0%20.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SDD Core Scheme Customer-to-PSP IG 2025 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2020-11\/EPC130-08%20SDD%20Core%20C2PSP%20IG%202021%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SDD Core Scheme Customer-to-PSP IG 2021 v1.0;<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-10\/EPC002-09%20SDD%20Core%20e-Mandate%20Service%20IG%202025%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SDD Core Scheme E-mandate Service IG 2025 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2020-11\/EPC002-09%20SDD%20Core%20e-Mandate%20Service%20IG%202021%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SDD Core Scheme E-mandate Service IG 2021 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li>PLUS Implementation Guidelines for the Netherlands:<br>&#8211;&nbsp;<a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/11\/Betaalvereniging-NL_IG-SEPA-Direct-Debit_2023_v1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SDD Customer to Bank 2023 v1.0&nbsp;<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-guidance-documents-1\">Guidance documents<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2024-11\/EPC173-14%20v8.0%20Guidance%20on%20Reason%20Codes%20for%20SDD%20R-transactions.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Guidance on reason codes for SDD R-transaction v8.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/11\/Reason-foutcodes-Europese-incasso.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Reason codes for European direct debits; information for creditors v4.0<\/a> (in Dutch)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-10\/EPC132-17%20v5.0%20Clarification%20Paper%20SDD%20Core%20and%20SDD%20B2B%20scheme%20rulebooks.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Clarification paper on SDD Core and SDD B2B Rulebooks v5.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-04\/EPC188-09%20v5.0%20Recommendation%20on%20Customer%20Reporting%20SCTs%2C%20OCT%20Inst%20and%20SDDs.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Recommendation on ISO 20022 customer reporting of SCTs, OCT Inst and SDDs&nbsp;v5.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-10\/EPC262-08%20v12.0%20Creditor%20Identifier%20Overview.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Creditor Identifier Overview v12.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/other\/core-sdd-mandate-translations\" target=\"_blank\" rel=\"noreferrer noopener\">SDD Core Mandate Translations<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/guidance-documents\/guidelines-appearance-mandates-sepa-direct-debit-schemes\" target=\"_blank\" rel=\"noreferrer noopener\">Guidelines for the appearence of mandates in the SDD schemes v11.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-10\/EPC153-22%20v2.1%20EPC%20guidance%20document%20-%20Provision%20of%20Addresses%20under%20the%20EPC%20Payment%20Schemes.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Guidance document Provision of Addresses under the EPC<br>Payment Schemes V2.1<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"b2b\">SEPA Direct Debit Business-to-Business<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rulebook-2\">Rulebook<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-10\/EPC222-07%202025%20SDD%20B2B%20Rulebook%20version%201.1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SDD B2B Scheme Rulebook 2025 v1.1<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-implementation-guidelines-2\">Implementation Guidelines<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2024-11\/EPC301-07%20SDD%20B2B%20Inter-PSP%20IG%202025%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SDD B2B Scheme Inter-PSP IG 2025 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2020-11\/EPC301-07%20SDD%20B2B%20Inter-PSP%20IG%202021%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SDD B2B Scheme Inter-PSP IG 2021 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2024-11\/EPC131-08%20SDD%20B2B%20C2PSP%20IG%202025%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SDD B2B Scheme Customer-to-PSP IG 2025 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2020-11\/EPC131-08%20SDD%20B2B%20C2PSP%20IG%202021%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SDD B2B Scheme Customer-to-PSP IG 2021 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-10\/EPC129-09%20SDD%20B2B%20e-Mandate%20Service%20IG%202025%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SDD B2B E-Mandate Service IG 2025 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2023-11\/EPC129-09%20SDD%20B2B%20e-Mandate%20Service%20IG%202023%20V1.1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SDD B2B E-Mandate Service IG 2023 v1.1<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2020-11\/EPC129-09%20SDD%20B2B%20e-Mandate%20Service%20IG%202021%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SDD B2B E-Mandate Service IG 2021 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li>PLUS Implementation Guidelines for the Netherlands:<br>&#8211;&nbsp;<a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/11\/Betaalvereniging-NL_IG-SEPA-Direct-Debit_2023_v1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SDD Customer to Bank 2023 v1.0<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-guidance-documents-2\">Guidance documents<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2024-11\/EPC173-14%20v8.0%20Guidance%20on%20Reason%20Codes%20for%20SDD%20R-transactions.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Guidance on reason codes for SDD R-transactions v8.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/11\/Reason-foutcodes-Europese-incasso.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Reason codes for European direct debits; information for creditors v4.0<\/a> (in Dutch)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-10\/EPC132-17%20v5.0%20Clarification%20Paper%20SDD%20Core%20and%20SDD%20B2B%20scheme%20rulebooks.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Clarification paper on SDD Core and SDD B2B Rulebooks v5.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-04\/EPC188-09%20v5.0%20Recommendation%20on%20Customer%20Reporting%20SCTs%2C%20OCT%20Inst%20and%20SDDs.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Recommendation on ISO 20022 customer reporting of SCTs, OCT Inst and SDDs v4.1<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-10\/EPC262-08%20v12.0%20Creditor%20Identifier%20Overview.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Creditor Identifier Overview v12.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/other\/sepa-b2b-dd-mandate-translations\" target=\"_blank\" rel=\"noreferrer noopener\">SDD B2B Mandate Translations<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/guidance-documents\/guidelines-appearance-mandates-sepa-direct-debit-schemes\" target=\"_blank\" rel=\"noreferrer noopener\">Guidelines for the appearance of mandates in the SDD schemes v11.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-10\/EPC153-22%20v2.1%20EPC%20guidance%20document%20-%20Provision%20of%20Addresses%20under%20the%20EPC%20Payment%20Schemes.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Guidance document Provision of Addresses under the EPC<br>Payment Schemes V2.1<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rtp\">SEPA Request-to-Pay<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rulebook-3\">Rulebook<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2024-11\/EPC014-20%20v4.0%20SEPA%20RTP%20Scheme%20Rulebook.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">SRTP Rulebook v4.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-implementation-guidelines-3\">Implementation Guidelines<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/implementation-guidelines\/sepa-request-pay-implementation-guidelines-version-30\" target=\"_blank\" rel=\"noreferrer noopener\">SRTP IG v4.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-guidance-documents-3\">Guidance documents<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2021-12\/EPC085-21%20Guide%20to%20the%20SEPA%20RTP%20Scheme%20Adherence%20Process%20v3.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Adherence Guide to the EPC SRTP Scheme v3.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"vop\"><a><\/a>Verification of Payee<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rulebook-4\">Rulebook<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2026-03\/EPC218-23%20v1.1%202026%20Verification%20Of%20Payee%20Scheme%20Rulebook_0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">VOP Rulebook 2026 v1.1<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"olo\"><a><\/a>One-Leg Out Instant Credit Transfer<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rulebook-5\">Rulebook<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-10\/EPC158-22%202025%20OCT%20Inst%20Scheme%20Rulebook%20v1.1_1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">OCT Inst Scheme 2025 v1.1<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-implementation-guidelines-4\">Implementation Guidelines<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-10\/EPC250-22%20OCT%20Inst%20C2PSP%202025%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">OCT Inst Customer-to-PSP IG 2025 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-10\/EPC251-22%20OCT%20Inst%20Inter-PSP%20INCOMING%20IG%202025%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">OCT Inst Scheme Inter-PSP INCOMING IG 2025 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-10\/EPC294-22%20OCT%20Inst%20Inter-PSP%20OUTGOING%20IG%202025%20V1.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">OCT Inst Scheme Inter-PSP OUTGOING IG 2025 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-guidance-documents-4\">Guidance documents<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/other\/one-leg-out-instant-credit-transfer-scheme-adherence-pack\" target=\"_blank\" rel=\"noreferrer noopener\">Adherence pack 2025 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2023-11\/EPC237-22%20v1.0%20Guidance%20on%20Reason%20Codes%20for%20OCT%20Inst%20R-transactions.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Guidance on reason codes 2023 v1.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"trx\">Reporting of SEPA transactions<\/h2>\n\n\n\n<p>The EPC does not have a Rulebook for account statement information. However, there are Dutch XML implementation guidelines for CAMT.053. These are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/11\/IG-Bank-to-Customer-Statement-CAMT-053-v1-1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">XML message for Bank-to-Customer Statement v1.1 (CAMT.053)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/11\/IG-Bank-to-Customer-Statement-CAMT-053-v2.0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">XML Message for Bank-to-Customer Statement v2.0<\/a><\/li>\n<\/ul>\n\n\n\n<p>The v2.0 is more in line with the <a href=\"https:\/\/www.swift.com\/standards\/market-practice\/common-global-implementation\/cgi-mp-working-groups?akcorpredir=true\"><strong><u>CGI Guidelines<\/u><\/strong> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> and the <a href=\"http:\/\/www.europeanpaymentscouncil.eu\/index.cfm\/knowledge-bank\/epc-documents\/epc-recommendation-on-customer-reporting-of-sct-and-sdd\/epc188-09-recommendation-on-customer-reporting-of-sct-and-sdd\/\"><strong><u>recommendations of the EPC regarding Bank to Customer Reporting<\/u><\/strong> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-migratie-naar-de-iso-20022-based-xml-messaging-standard\">Migratie naar de ISO 20022-based XML Messaging Standard<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2023-11\/EPC087-22%20v4.0%20EPC%20guidance%20document%20-%20Migration%20to%20the%202019%20Version%20of%20ISO%2020022-based%20XML%20Messaging%20Standard_0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Guidance document Migration to the 2019 Version of the ISO 20022-based XML Messaging Standard v4.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\n\n<p>The above technical documents are based on the:<br><a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/11\/SEPA-Implementatierichtlijnen.jpg\" target=\"_blank\" rel=\"noreferrer noopener\">SEPA Implementatierichtlijnen<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-provision-of-addresses\">Provision of Addresses<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2024-11\/EPC153-22%20v2.0%20EPC%20guidance%20document%20-%20Provision%20of%20Addresses%20under%20the%20EPC%20Payment%20Schemes.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Provision of Addresses under the EPC payment Schemes 2025 v2.0<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>SEPA uses file formats based on the ISO 20022 XML standard.<\/p>\n","protected":false},"featured_media":982,"parent":21,"menu_order":0,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[19],"class_list":["post-3076","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-payment-standards"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>SEPA implementation guidelines - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"SEPA implementation guidelines provide rulebooks, implementation guides and reporting standards for SCT, SDD, SCT Inst and VoP in Europe.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/standards-in-payments\/sepa-implementation-guidelines\/\" \/>\n<meta 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