SEPA Credit Transfer – Payment Timelines
Summarizes the rulebook and operational deadlines for exchanging key SEPA Credit Transfer messages around settlement day.
Topic archive
SEPA - SCT
Plain-language learning briefs that route you to the key ideas, operational questions, and practical context for this part of the payment ecosystem.
06briefs indexed
Latest first
All SEPA - SCT briefs
SEPA Credit Transfer – Recall Flow
Explains how an earlier SEPA transfer may be recalled and distinguishes unsettled, positively answered, and negatively answered recall paths.
Sepa Credit Transfer – Return Flow
Shows how a beneficiary PSP sends a pacs.004 along the reverse route when a settled SEPA transfer cannot be completed.
SEPA Credit Transfer – Reject Flow
Describes who can reject an SCT before inter-PSP settlement, why rejection occurs, and how status travels back to the originator.
Sepa Credit Transfer – Happy Path
Follows a successful SCT from customer initiation through originator PSP, clearing mechanism, beneficiary PSP, and final account credit.
SEPA credit transfer – Four Corner model
Introduces the SCT four-corner model and the roles of the originator, originator PSP, beneficiary PSP, and beneficiary.