The European Payments Council has launched a three-month public consultation on possible modifications to the SEPA Credit Transfer (SCT) and SEPA Direct Debit (SDD) Rulebooks.



Fundraising organisations are encouraged to provide feedback by the consultation end date of 15 August 2014, ahead of publication of the next generation rulebook and implementation guidelines in November 2014.


The consultation document includes EFA’s recently issued request for change, which was supported by national fundraising associations. This request recommended a clarification of the wording in the legislation, making it clear that SEPA mandating methods are not restricted to physically signed paper documents and the e-Mandate.


This inclusion has been welcomed as "a great success’" by EFA President and Chief Executive of Fundraising Verband Austria, Günther Lutschinger.


“With the advances of internet and mobile payments, it is essential that the acceptable mandating procedures must also evolve to offer donors the full range of secure and convenient payment methods.”


Lutschinger continued:  “We are concerned that the regulation does not currently reflect up-to-date payments systems or allow time for donors to adapt to the new direct debit procedures, without disrupting current regular giving payments.”


EFA has also recommended that the rulebooks should clarify that the Debtor bank’s final decision shall acknowledge the mandating method agreed upon by Debtor and Creditor as well as by Creditor and Creditor Bank.


Nonprofits are encouraged to feed into the consultation before the 15th August deadline.


Changes to the rulebooks will take effect in November 2015, giving payment service providers and their suppliers a one-year lead time to implement changes prior to such updates taking effect.