{"id":120310,"date":"2026-01-06T11:21:13","date_gmt":"2026-01-06T11:21:13","guid":{"rendered":"https:\/\/arquiconsult.com\/?p=120310"},"modified":"2026-01-06T11:21:13","modified_gmt":"2026-01-06T11:21:13","slug":"update-of-the-sepa-format-structure-3","status":"publish","type":"post","link":"https:\/\/arquiconsult.com\/en\/update-of-the-sepa-format-structure-3\/","title":{"rendered":"Update of the SEPA Format Structure"},"content":{"rendered":"<p>As part of the <strong>new regulatory requirements defined by the<\/strong> <strong>European Payments Council (EPC)<\/strong>, an update to the Customer-to-Payment Service Provider (C2PSP) manual was published on the Banco de Portugal website. This update defines the new ISO 20022 XML message formats, to be implemented by October 5, 2025.<\/p>\n<p>However, <strong>not all banks are communicating this requirement in the same way. Therefore, it is essential that each company confirm directly with their banks whether the adoption of the new formats will be required.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong>What&#8217;s changing?<\/strong><\/p>\n<p><u>SEPA Credit Transfer<\/u><\/p>\n<p>\u2022 New mandatory format: pain.001.001.09<\/p>\n<p>\u2022 Replaces: pain.001.001.03<\/p>\n<p><u>SEPA Direct Debit<\/u><\/p>\n<p>\u2022 New mandatory format: pain.008.001.08<\/p>\n<p>\u2022 Replaces: pain.008.001.02<\/p>\n<p><strong>Arquiconsult is available to support this process, for which we kindly ask you to create a ticket on our support platform.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><a href=\"https:\/\/support.arquiconsult.com\/Account\/Login?ReturnUrl=%2f&amp;utm_source=BenchmarkEmail&amp;utm_campaign=NAVHR+Atualiza%C3%A7%C3%B5es+Fiscais+e+de+In%C3%ADcio+de+Ano+2019&amp;utm_medium=email#msdynmkt_trackingcontext=0b6fc341-40b7-48e5-8b19-368ff6830300\">Access the Request here<\/a><\/h2>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><strong>SUPPORT FOR CHANGE<\/strong><\/p>\n<p><span style=\"font-family: 'Segoe UI', sans-serif; color: #000000;\">Product changes\u00a0<b>for versions prior to BC24 require a specific estimate,<\/b>\u00a0as they are versions outside the lifecycle\/discontinued support, and therefore involve additional effort in downgrading solutions<\/span><\/p>\n<!--themify_builder_content-->\n<div id=\"themify_builder_content-120310\" data-postid=\"120310\" class=\"themify_builder_content themify_builder_content-120310 themify_builder tf_clear\">\n    <\/div>\n<!--\/themify_builder_content-->\n","protected":false},"excerpt":{"rendered":"<p>As part of the new regulatory requirements defined by the European Payments Council (EPC), an update to the Customer-to-Payment Service Provider (C2PSP) manual was published on the Banco de Portugal website. This update defines the new ISO 20022 XML message formats, to be implemented by October 5, 2025. However, not all banks are communicating this [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":120447,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[2129,935],"tags":[2741,2740,2739],"acf":[],"_links":{"self":[{"href":"https:\/\/arquiconsult.com\/en\/wp-json\/wp\/v2\/posts\/120310"}],"collection":[{"href":"https:\/\/arquiconsult.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arquiconsult.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arquiconsult.com\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/arquiconsult.com\/en\/wp-json\/wp\/v2\/comments?post=120310"}],"version-history":[{"count":3,"href":"https:\/\/arquiconsult.com\/en\/wp-json\/wp\/v2\/posts\/120310\/revisions"}],"predecessor-version":[{"id":120506,"href":"https:\/\/arquiconsult.com\/en\/wp-json\/wp\/v2\/posts\/120310\/revisions\/120506"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arquiconsult.com\/en\/wp-json\/wp\/v2\/media\/120447"}],"wp:attachment":[{"href":"https:\/\/arquiconsult.com\/en\/wp-json\/wp\/v2\/media?parent=120310"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arquiconsult.com\/en\/wp-json\/wp\/v2\/categories?post=120310"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arquiconsult.com\/en\/wp-json\/wp\/v2\/tags?post=120310"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}