The European Payments Council (EPC) has published two documents setting out the key differences between the 2025 One-Leg Out Instant Credit Transfer (OCT Inst) and SEPA Instant Credit Transfer (SCT Inst) scheme rulebooks, to help payment service providers (PSPs) understand the practical distinctions between the two instant credit transfer schemes. The package comprises an infographic, “Key Differences between the 2025 OCT Inst and SCT Inst Scheme Rulebooks” (EPC203-25), providing a visual overview, and a more detailed comparison document (EPC204-25). The EPC intends to update both documents when further clarification is needed.
European Payments Council 2025-11-06
European Payments Council publishes comparison of 2025 OCT Inst and SCT Inst scheme rulebooks
The European Payments Council has released documents highlighting the differences between the 2025 One-Leg Out Instant Credit Transfer and SEPA Instant Credit Transfer scheme rulebooks. These include an infographic and a detailed comparison to aid payment service providers in understanding the practical distinctions. The EPC plans to update these documents as needed.