Document library

Under this section all relevant NPC documents are gathered on one single page.  

General documents

• NPC Bylaws
• NPC Internal Rules
• NPC Membership application
• Detailed NPC membership application form
• NPC Scheme Management Rules
• NPC Scheme Currencies
• Template for Proposing a Change Request in an NPC Scheme
• NPC Clarification Report on the EPC's SEPA Request-to-Pay Scheme Rulebook
  
  

NPC Credit Transfer Scheme 2025 documents

• 2025 NPC Credit Transfer Rulebook
• 2025 NPC Credit Transfer Inter-PSP Implementation Guideline v1.0
• 2025 NPC Credit Transfer Customer-to-PSP Implementation Guideline v1.0
• 2025 Recommendation of Customer Reporting NCT and NCT Inst v1.0
• High-level comparison of the EPC SEPA Payment Schemes and the NPC Payment Schemes v5.0
• NCT Rulebook 2025 Change Proposal Submission Document v1.1

NPC Credit Transfer Scheme 2023 documents

• 2023 NPC Credit Transfer Rulebook
• 2023 NPC Credit Transfer Adherence Agreement
• 2023 NPC Credit Transfer Inter-PSP Implementation Guideline v1.3 (updated on November 27, 2023)
• 2023 NPC Credit Transfer Inter-PSP Implementation Guideline v1.2 (updated on April 20, 2023)
• 2023 NPC Credit Transfer Inter-PSP Implementation Guideline v1.1 (updated on December 6, 2022)
• 2023 NPC Credit Transfer Inter-PSP Implementation Guideline v1.0
• 2023 NPC Credit Transfer Customer-to-PSP Implementation Guideline v1.3 (updated on November 27, 2023)
• 2023 NPC Credit Transfer Customer-to-PSP Implementation Guideline v1.2 (updated on April 20, 2023)
• 2023 NPC Credit Transfer Customer-to-PSP Implementation Guideline v1.1 (updated on December 6, 2022)
• 2023 NPC Credit Transfer Customer-to-PSP Implementation Guideline v1.0
• 2023 Recommendation of Customer Reporting NCT and NCT Inst v1.1 (updated on April 20, 2023)
• 2023 Recommendation of Customer Reporting NCT and NCT Inst v1.0

NPC Instant Credit Transfer Scheme 2025 documents

• 2025 NCT Instant Credit Transfer Rulebook
• NCT Inst Maximum Amount version 2.0
• 2025 NPC Instant Credit Transfer Inter-PSP Implementation Guideline v1.0
• 2025 NPC Instant Credit Transfer Customer-to-PSP Implementation Guideline v1.0
• 2025 Recommendation of Customer Reporting NCT and NCT Inst v1.0
• NCT Inst Rulebook 2025 Change Proposal Submission Document v1.1

NPC Instant Credit Transfer Scheme 2023 documents

• 2023 NPC Instant Credit Transfer Rulebook
• NCT Inst Maximum Amount version v1.1
• 2023 NPC Instant Credit Transfer Adherence Agreement
• 2023 NPC Instant Credit Transfer Inter-PSP Implementation Guideline v1.3 (updated on November 27, 2023)
• 2023 NPC Instant Credit Transfer Inter-PSP Implementation Guideline v1.2 (updated on April 20, 2023)
• 2023 NPC Instant Credit Transfer Inter-PSP Implementation Guideline v1.1 (updated on December 6, 2022) 
• 2023 NPC Instant Credit Transfer Inter-PSP Implementation Guideline v1.0
• 2023 NPC Instant Credit Transfer Customer-to-PSP Implementation Guideline v1.3 (updated on November 27, 2023)
• 2023 NPC Instant Credit Transfer Customer-to-PSP Implementation Guideline v1.2 (updated on April 20, 2023)
• 2023 NPC Instant Credit Transfer Customer-to-PSP Implementation Guideline v1.1 (updated on December 6, 2022) 
• 2023 NPC Instant Credit Transfer Customer-to-PSP Implementation Guideline v1.0
• 2023 Recommendation of Customer Reporting NCT and NCT Inst v1.1 (updated on April 20, 2023)
• 2023 Recommendation of Customer Reporting NCT and NCT Inst v1.0

NPC Confirmation of Payee Scheme 2024 documents

• 2024 NPC Confirmation of Payee Rulebook
• NPC Confirmation of Payee Implementation Guidelines 2024 v1.0
• NPC Confirmation of Payee API Examples 202 v.1.2
• NPC Confirmation of Payee Clarification Paper on the Matching Process 1.0
• NPC Confirmation of Payee 2024 Change Proposal Submission Document

NPC Confirmation of Payee Scheme 2023 documents

• 2023 NPC Confirmation of Payee Rulebook
• 2023 NPC Confirmation of Payee IG v1.2 (updated on June 25, 2024)
• 2023 NPC Confirmation of Payee IG v1.1 (updated on November 27, 2023)
• 2023 NPC Confirmation of Payee IG v1.0
• 2023 NPC Confirmation of Payee API Examples v1.2 (updated on June 25, 2024)
• 2023 NPC Confirmation of Payee API Examples v1.1 (updated on November 27, 2023)
• 2023 NPC Confirmation of Payee API Examples v1.0 

Documents related to the public consultations on the NPC Payment and Confimation of Payee Schemes

NPC Credit Transfer Scheme

• NPC009-04 NCT Rulebook 2025 Public Consultation Change Requests
• NPC009-07 NCT Rulebook Response template 2025 CR public consultation
• Annex 1 - NCT_NCT Inst original CR documents

NPC Instant Credit Transfer Scheme

• NPC090-04 NCT Inst Rulebook 2025 Public Consultation Change Requests
• NPC090-07 NCT Inst Rulebook Response template 2025 CR public consultation
• Annex 1 - NCT_NCT Inst original CR documents

NPC Confirmation of Payee Scheme

• NPC063-01 CoP Rulebook 2024 Change Request Public Consultation
• NPC063-02 CoP Rulebook Response template 2024 CR public consultation
• Annex 1 - CoP original CR documents

Clarification papers and Guidance 2025 documents 

• Clarification paper NPC Credit Transfer and NPC Instant Credit Transfer Scheme Rulebooks v.3.0
• Clarification paper Guidance on the usage of Extended Remittance Information (ERI) v.3.0
• Guidance On Reason Codes for NCT R-transaction v.3.0
• Guidance On Reason Codes for NCT Inst R-transaction v.3.0

Clarification papers and Guidance 2023 documents 

• Clarification paper NPC Credit Transfer and NPC Instant Credit Transfer Scheme Rulebooks v.2.0
• Clarification paper Guidance on the usage of Extended Remittance Information (ERI) v.2.0
• Guidance On Reason Codes for NCT R-transaction v.2.0
• Guidance On Reason Codes for NCT Inst R-transaction v.2.0
• Clarification paper NPC Confirmation of Payee Scheme Rulebook v.1.0