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authorChristian Blättler <blatc2@bfh.ch>2024-03-05 21:37:22 +0100
committerChristian Blättler <blatc2@bfh.ch>2024-03-05 21:37:22 +0100
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-.. target audience: core developer
-
-SEPA Payments
-#############
-
-This page collects reference materials and details for specifics of SEPA payments.
-
-SEPA Credit Transfer (SCT)
-==========================
-
-SCT is a "normal" bank transfer. Details (terminology, data definitions, flow diagrams) can be found in the EPC's
-`SCT rulebook <https://www.europeanpaymentscouncil.eu/document-library/rulebooks/sepa-credit-transfer-rulebook>`__.
-
-
-Reject vs Return vs Recall
---------------------------
-
-* A **rejected** payment is refused by the originator bank or the
- clearing and settlement layer.
-* A **returned** payment is refused by the beneficiary's bank via a
- counter-transaction over the settlement layer.
-* A payment is **recalled** when the originator's bank (potentially
- requested by the originator) wants to "undo" a SCT.
-
-SEPA currently does **not** directly support a mechanism for the **beneficiary** to return
-a payment.