SEPA Implementatierichtlijnen
Bij SEPA wordt gebruikgemaakt van bestandsformaten die gebaseerd zijn op de ISO 20022 XML-standaard.
Alle financiële instellingen en bedrijven in de SEPA-landen moeten gebruikmaken van dezelfde standaarden voor aanlevering van Europese overboekingen en Europese incasso’s. EPC en de Nederlandse banken hebben hiervoor diverse documenten ontwikkeld. Eventuele bankspecifieke informatie staat veelal beschreven in een bankspecifiek document. Hieronder volgt per scheme een overzicht van de relevante en beschikbare informatie.
Direct naar
- SEPA Credit Transfer (Europese overboeking)
- SEPA Instant Credit Transfer (Instant overboeking)
- SEPA Direct Debit Core (Europese incasso)
- SEPA Direct Debit Business-to-Business (Zakelijke Europese incasso)
- SEPA Request-to-Pay (Betaalverzoek)
- Verification of Payee
- One-Leg Out Instant Credit Transfer
- Reporting van SEPA-transacties
SEPA Credit Transfer (Europese overboeking)
Rulebook
Implementation Guidelines
- SCT Scheme Inter-PSP IG 2025 v1.0
- SCT Scheme Inter-PSP IG 2021 v1.0
– Errata to the SCT Scheme Inter-PSP IG 2021 v1.0 - SCT Scheme Customer-to-PSP IG 2025 v1.0
- SCT Scheme Customer-to-PSP IG 2021 v1.0
– Errata to the SCT Scheme Customer-to-PSP IG 2021 v1.0 - PLUS Implementation Guidelines for the Netherlands:
– SCT Customer to Bank 2023 v1.0
Guidance documents
- Guidance on reason codes for SCT R-transactions v6.0
- Guidance on the usage of Extended Remittance Information v1.0
- Clarification paper on SCT and SCT Inst Scheme Rulebooks v4.0
- Recommendation on ISO 20022 consumer reporting of SCTs, OCT Inst and SDDs v5.0
- Guidance document Provision of Addresses under the EPC Payment Schemes V2.1
SEPA Instant Credit Transfer (Instant overboeking)
Rulebook
Implementation Guidelines
- SCT Inst Scheme Inter-PSP IG 2025 v1.0
- SCT Inst Scheme Inter-PSP IG 2021 v1.0
- SCT Inst Scheme Customer-to-PSP IG 2025 v1.0
- SCT Inst Scheme Customer-to-PSP IG 2021 v1.0
– Errata to the SCT Inst Scheme Customer-to-PSP IG 2021 v1.0
Guidance documents
- Guidance on reason codes for SCT Inst R-transactions v7.0
- Clarification paper on SCT and SCT Inst Scheme Rulebooks v4.0
- Recommendation on ISO 20022 customer reporting of SCTs, OCT Inst and SDDs v5.0
- Guidance document Provision of Addresses under the EPC
Payment Schemes V2.1
SEPA Direct Debit Core (Europese incasso)
Rulebook
Implementation Guidelines
- SDD Core Scheme Inter-PSP IG 2025 v1.0
- SDD Core Scheme Inter-PSP IG 2021 v1.0
- SDD Core Scheme Customer-to-PSP IG 2025 v1.0
- SDD Core Scheme Customer-to-PSP IG 2021 v1.0;
- SDD Core Scheme E-mandate Service IG 2025 v1.0
- SDD Core Scheme E-mandate Service IG 2021 v1.0
- PLUS Implementation Guidelines for the Netherlands:
– SDD Customer to Bank 2023 v1.0
Guidance documents
- Guidance on reason codes for SDD R-transaction v8.0
- Reasoncodes bij Europese incasso; informatie voor incassanten v4.0
- Clarification paper on SDD Core and SDD B2B Rulebooks v5.0
- Recommendation on ISO 20022 customer reporting of SCTs, OCT Inst and SDDs v5.0
- Creditor Identifier Overview v12.0
- Vertaling SDD Core machtigingen
- Guidelines for the appearence of mandates in the SDD schemes v11.0
- Guidance document Provision of Addresses under the EPC
Payment Schemes V2.1
SEPA Direct Debit Business-to-Business (Zakelijke Europese incasso)
Rulebook
Implementation Guidelines
- SDD B2B Scheme Inter-PSP IG 2025 v1.0
- SDD B2B Scheme Inter-PSP IG 2021 v1.0
- SDD B2B Scheme Customer-to-PSP IG 2025 v1.0
- SDD B2B Scheme Customer-to-PSP IG 2021 v1.0
- SDD B2B E-Mandate Service IG 2025 v1.0
- SDD B2B E-Mandate Service IG 2023 v1.1
- SDD B2B E-Mandate Service IG 2021 v1.0
- PLUS Implementation Guidelines for the Netherlands:
– SDD Customer to Bank 2023 v1.0
Guidance documents
- Guidance on reason codes for SDD R-transactions v8.0
- Reasoncodes bij Europese incasso; informatie voor incassanten v4.0
- Clarification paper on SDD Core and SDD B2B Rulebooks v5.0
- Recommendation on ISO 20022 customer reporting of SCTs, OCT Inst and SDDs v4.1
- Creditor Identifier Overview v12.0
- Vertaling SDD B2B machtigingen
- Guidelines for the appearance of mandates in the SDD schemes v11.0
- Guidance document Provision of Addresses under the EPC
Payment Schemes V2.1
SEPA Request-to-Pay (Betaalverzoek)
Rulebook
Implementation Guidelines
Guidance documents
Verification of Payee
Rulebook
One-Leg Out Instant Credit Transfer
Rulebook
Implementation Guidelines
- OCT Inst Customer-to-PSP IG 2025 v1.0
- OCT Inst Scheme Inter-PSP INCOMING IG 2025 v1.0
- OCT Inst Scheme Inter-PSP OUTGOING IG 2025 v1.0
Guidance documents
Reporting van SEPA-transacties
EPC kent geen Rulebook voor rekeningafschriftinformatie. Wel zijn er Nederlandse XML-implementatierichtlijnen voor de CAMT.053. Dit zijn:
- XML message for Bank-to-Customer Statement v1.1 (CAMT.053)
- XML Message for Bank-to-Customer Statement v2.0
De v2.0 is meer in lijn met de CGI Guidelines en de aanbevelingen van de EPC m.b.t Bank to Customer Reporting.
Migratie naar de ISO 20022-based XML Messaging Standard
Bovenstaande technische documenten zijn gebaseerd op de:
SEPA Implementatierichtlijnen
Provision of Addresses
Provision of Addresses under the EPC payment Schemes 2025 v2.0