Rule reference · SEPA Credit Transfer scheme rules · Names
SEPA-SCT-NAME-002: Debtor name longer than 70 characters
SEPA limits debtor and ultimate debtor names to 70 characters (ISO 20022 allows 140).
| Severity | BLOCKER Blocker: the run fails |
|---|---|
| Status | Requirement of the guidelines |
| Applies to | pain.001.001.09, SEPA Credit Transfer |
| Elements checked | /Document/CstmrCdtTrfInitn/PmtInf/Dbtr/Nm /Document/CstmrCdtTrfInitn/PmtInf/UltmtDbtr/Nm |
| Source | EPC132-08 2025 Version 1.0, section 2.1.1, items 2.22 and 2.68 |
| Rule pack | sepa.sct.pain001.v09 v1, effective 2025-10-05 |
How to fix it
Shorten the company name or check the name mapping.
Try it with a synthetic example
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- Debtor name over 70 characters. FAIL · Download · Validate it
Related rules: Names
- SEPA-SCT-NAME-001: Initiating party name longer than 70 characters
- SEPA-SCT-NAME-003: Creditor-side name longer than 70 characters
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