The ZKA (Zentraler Kreditausschuss) representing the German Banking industry has defined new SEPA order types and thus incorporated the new rulebooks 3.x for SEPA payment instruments of the EPC (European Payment Council). The new order types based on the existing order types for the SEPA Credit Transfer and the SEPA Direct Debit differentiate between the direct debit flavour B2B (between corporate customers) and Core (between corporates and consumers).

CoCoNet integrates these adaptations in its e-banking products so that banks and corporate customers can process both the old and the new formats and order types including the SEPA container formats as specified for payment transactions in Germany. The ZKA specification only approve the container structure variant "mixed" as a mandatory structure and not the variants "single" and "grouped" any more. For an eased migration all parties can process the existing SEPA formats with the new order types for the time being.

For the transmission of SEPA payments to the bank, corporate customers with CoCoNets solutions can use the access channels BCS-FTAM, MULTIWEB Banking and EBICS. The new ZKA specifications with the internet based communications standard EBICS version 2.4 offers enhanced security according signature, cryptography and authentication.