On 30 June 2022, the European Payments Council published the SEPA Request-to-Pay Scheme Rulebook version 2.1.

This latest version of the Rule book, which contains operating rules and technical elements that allows payees to request the initiation of a payment from a payer in a wide range of physical or online use cases, has no operational impact at this stage but specifies that as of 30 November 2023 scheme participants will have the obligation to exchange messages based on application programming interfaces (APIs) to ensure full reachability. However, scheme participants may use their APIs now if they wish.