SEPA CT Message Processor

SEPA (Single Euro Payments Area) message scheme is built on a subset of the UNIFI "Payments Clearing and Settlement" and "Payments Initiation" messages and is defined by the European Payments Council.

The SEPA CT scheme was launched in January 2008 and provides a pan-European payments infrastructure that greatly reduces the costs associated with cross-border transactions.

The European Payments Council defines SEPA by means of a Credit Transfer Scheme Rulebook with the current version being 3.2

The SEPA CT Rulebook defines 3 Core Payments Clearing & Settlement messages and 2 Payments Initiation messages

UNIFI, which stands for UNIversal Financial Industry message scheme is an International Standard (ISO 20022) and was chosen as the base for SEPA due to it providing the financial industry with a common platform for the development of messages in a standardized XML syntax.

Embracing a standardized XML syntax and utilizing a modelling methodology based on UML has provided SEPA with a syntax-independent means for enabling financial business transactions and associated message flows.


Payments and Cash Management	Funds and Securities	Treasury and Foreign Exchange
SWIFT MT - Developer Tools SWIFT MX - Developer Tools SWIFT ERP - Developer Tools SEPA CT - Developer Tools SEPA DD - Developer Tools SEPA Credit Transfer - aplon Plug-Ins	SWIFT MT - Developer Tools SWIFT MX - Developer Tools	SWIFT MT - Developer Tools SWIFT MX - Developer Tools