[ThrowAwayIRUK]

SEPA has 4 message types, currently:

- PUSH: - SCT Standard - SCT Instant

- PULL: - SDD Core - SDD B2B

As a bank, you are not forced to support all of them; also, it depends on the local consumer behaviour: in some countries, pull mechanisms are not that widely accepted

DISCLAIMER: Lead Payment Engineer at an European Challenger Bank, i'm implementing that stuff in the backend, i'm mainly talking to our central bank.