Payments and SEPA: project and operational decisions

Objectives and progression

Independent professional pathway with six modules and 32 original decisions on SEPA instruments, participation and routing, settlement, timing and late confirmations, Core/B2B mandates, verification of payee, data, exceptions, and operational readiness. Fictional cases include partial payroll batches, restoration with duplicates, address-deadline revision, and support autonomy. The final assessment reuses 26 items in 60 minutes. Content draws on EPC, ECB, European Union, and Banco de Portugal sources consulted October 1, 2026, including 2025 v1.2 rulebooks and VOP v1.1. This is not certification, accredited training, legal advice, or institutional compliance evidence.

Audience: APS teams, IT project managers, L2/L3 support, and professionals working on payment integrations.

Prerequisites: Basic application, data, and operational-support knowledge. No access to accounts, financial networks, or real data is required. Learning links are suggestions.

270 estimated study minutes

• Select the appropriate flow and distinguish rules, references, and infrastructure.
• Interpret states without confusing account restoration with definitive failure.
• Manage authorization and exceptions according to the scheme used.
• Validate meaning, purpose, and interface behavior.
• Interpret codes in context and recover without duplicates.
• Update decisions using applicable sources and demonstrate support autonomy.

Modules

1. Instruments, participants, and settlement
2. Timing, confirmations, and late outcomes
3. Mandates, Core, and B2B
4. Data and verification of payee
5. Exceptions and transaction-level reconciliation
6. Changes and operational readiness

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References and version

DR Payments and SEPA professional assessment2026.10

• SEPA geographical and functional scope · 2026-10-01
• Scheme participants and reference versus routing BICs · 2026-10-01
• SEPA Credit Transfer overview · 2026-10-01
• SCT rulebook and implementation guidelines · 2026-10-01
• SCT Inst rulebook publication · 2026-10-01
• SCT Inst rulebook sections4.2.1–4.2.3 · 2026-10-01
• SCT Inst implementation overview · 2026-10-01
• Regulation EU2024/886 · 2026-10-01
• SDD Core and B2B overview · 2026-10-01
• SDD mandate authorization · 2026-10-01
• SDD Core rulebook publication · 2026-10-01
• SDD B2B rulebook publication · 2026-10-01
• Verification Of Payee rulebook publication · 2026-10-01
• Verification Of Payee obligations · 2026-10-01
• SCT R-transaction guidance · 2026-10-01
• SCT reason code AC01 · 2026-10-01
• SDD R-transaction codes · 2026-10-01
• Provision of addresses publication · 2026-10-01
• Structured and hybrid address rules · 2026-10-01
• SCT Inter-PSP implementation guidelines publication · 2026-10-01
• What is TIPS? · 2026-10-01
• Transferências: tradicionais e imediatas · 2026-10-01