The best way of thinking about this is that a SCC, any SCC, has two independent 'faces', one side faces the PV array, the other faces the battery - and they can be totally different in terms of voltages and currents. You can have a 2,000W PV array at 250V on one side, with a tiny 20AH 12V golf battery on the other (
bit extreme, but do you understand what I mean?). It's the SCC's job to buck the PV voltage down and control the charging current to whatever the battery needs.
Solar panels are (unfortunately) marketed at 12V/24V etc This is just marketing, designed to group together compatible products. In reality, all PV panels are different ... for example, a panel designed for a 12V system will most likely have a 21.6Voc output (
36 cells x 0.6v per cell = 21.6V).
You just need to make sure that the panel/array Voc is higher than the battery system. Most SCCs demand at least 5V higher to begin charging then at least 1V higher to continue charging. For example, a 48V (nominal) battery needs a 57.6V charging voltage, your array must provide
at least 62.6V to start charging and must maintain
at least 58.6V to continue charging. If your array is producing near 150V (
the maximum PV voltage limit for most consumer-level SCCs), the SCC will very likely turn on very early morning (
i.e. array output goes above 62.6V) and stay on well into the evening (
i.e. array dips below 58.6V).
So to answer your question directly, YES, a 12V (nominal) battery needs at least 19.4V (
14.4V charge voltage + 5V for the SCC) on the PV side to start then at least 15.4V to continue. It'll sit pretty with 48V
Edit: Corrected typo.