The “SEPA Direct Debit Core – Creditor to PSP Implementation Guidelines (EPC130-08)” (EPC, 2023) provide detailed operational and technical guidance for the exchange of SEPA Direct Debit Core messages between creditors and payment service providers. The document clarifies ISO 20022 message usage, mandatory data elements, processing rules, and scheme requirements to ensure harmonised, compliant, and efficient SEPA direct debit initiation across Europe.
