SEPA Rulebooks and SEPA Cards framework

The SEPA Rulebooks and SEPA Cards Framework established by the European Payments Council (EPC) safeguard service levels for SEPA payments in Europe. Consequently, every payment processor should comply with these requirements. While the SEPA Rulebooks detail the standards for credit transfer and direct debit, the SEPA Cards Framework defines the principles for card processing.

We naturally strive for a level that exceeds the requirements of the EPC. Equens offers the processing of the SEPA Credit Transfer since 28 January 2008 and the SEPA Direct Debit since 2 November 2009. We are also involved in the further standardisation of end-to-end card processing. In September 2008 Equens committed itself on the terms of reference for SEPA compliance of infrastructures established by the European Central Bank.