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[christian]

The Single Euro Payments Area (SEPA) payment schemes as defined in the SEPA Credit Transfer (SCT) and SEPA Direct Debit (SDD) Rulebooks contain sets of rules and technical standards for the execution of SEPA payment transactions that have to be followed by adhering payment service providers. These rulebooks can be regarded as instruction manuals which provide a common understanding on how to move funds from account A to account B within SEPA. The schemes are based on technical standards defined by standards bodies such as the International Organization for Standardization. The SEPA Schemes have open access criteria in line with Article 28 of the Payment Services Directive (Directive 2007/64/EC of the European Parliament and of the Council of the EU of 13 November 2007 on payment services in the internal market). The SCT and SDD Schemes are developed by the European Payments Council (EPC) in close dialogue with the stakeholder community.

The SEPA payment schemes as defined in the SCT and SDD Rulebooks allow for flexibility and contain optional features enabling payment service providers to add features and enhance their core services. SEPA payment products and services offered to the customer are developed by individual payment service providers operating in the competitive environment. The development of payment products and services, based on the SEPA payment schemes, including all product-related features is outside the scope of the EPC.

The EPC is an international not-for-profit association which makes all of its deliverables, including the SEPA Scheme Rulebooks and adjacent documentation, available to download free of charge on the EPC Website.

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