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19 July 2017

European Payments Council: SEPA Instant Credit Transfer scheme inter-bank implementation guidelines 2017 version 1.1


These Implementation Guidelines set out the SEPA rules for implementing the interbank ‘instant’ ISO 20022 XML message standards based on version 1.0 of the 2017 SEPA Instant Credit Transfer (SCT Inst) rulebook.

The updated IGs (2017 v1.1) published on 19 July 2017 contain the official version of the ISO 20022 message “FI to FI Payment Status Request” (pacs.028.001.01), in replacement of the ‘candidate’ version. This update was already foreseen when v1.0 was published in November 2016.

SEPA XML Schema Definitions (XSDs) related to the aforementioned IGs are also made available. (Note: XSD files can be opened via a text editor (e.g. Microsoft Notepad) or XML Schema editor.)

SEPA XSDs are not developed for ‘production’ purposes, they are to instantiate the business rules and restrictions contained in the implementation guidelines in a formal interchange format, sometimes referred to as Technical Validation Subsets (TVSs). Production instantiations should refer to the default ISO 20022 namespaces. 

Full document



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