BizCortex documentation

SEPA direct debit mandates

Record the mandates your customers signed so you can collect payments by direct debit.

A SEPA mandate is the written permission of a customer to collect money from their account. Open Banking, then "SEPA". The page has two tabs: "Mandates" and "Payment files". The Mandates tab lists every mandate with reference, account holder, IBAN, scheme, sequence, signing date, last use and status.

SEPA direct debit mandates
Screenshot of this screen

Who can use this

  • Owner
  • Admin
  • Accountant
  • Anyone with the Banking mandate write permission (to create or edit)

Steps

  1. 1. Create a mandate

    Click "New mandate". Enter the mandate reference and the date it was signed. Choose the scheme and the sequence. Enter the account holder, IBAN and optionally the BIC. Optionally choose the customer.

  2. 2. Check the IBAN

    Use "Check IBAN" to verify the IBAN. The result shows "IBAN valid" (with the German bank code when available) or the reason it is invalid.

  3. 3. Edit a mandate

    Choose "Edit" in the row menu. Reference, signing date and scheme cannot be changed after creation; the sequence, account holder, IBAN and BIC can.

  4. 4. Revoke a mandate

    Choose "Revoke" in the row menu of an active mandate. Revoked mandates cannot be used for new collections.

Fields and options

Mandate reference

Required, up to 35 characters. Allowed are letters, digits, spaces and + ? / : ( ) . , and apostrophe. Must be unique.

Signed on

The signing date. A mandate cannot be used for a collection date before this date.

Scheme

"Core (CORE)" for consumers and businesses, or "Business (B2B)" for business customers only.

Sequence

FRST (first), RCUR (recurring), OOFF (one off) or FNAL (final). After the first collection, a FRST mandate switches to RCUR automatically. After an OOFF or FNAL collection, the mandate becomes "Used up".

Account holder

Name of the debtor, required, up to 140 characters.

Status

"Active", "Revoked" or "Used up".

Good to know

  • A mandate that was already used cannot be deleted. Revoke it instead.

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