EPC Clarification Letter on Electronic Mandates to SEPA Direct Debit Scheme Participants

It is widely recognised that the efficient handling and the acceptance of electronic mandates is a very important element in the context of a successful migration to and for the further development of the SEPA Direct Debit (SDD) Core and Business to Business (B2B) schemes.

In October 2013, the European Payments Council (EPC) published a clarification letter (Letter EPC098-13; see ‘related files’ below), which addresses the current uncertainty among SDD scheme participants; i.e. payment service providers that have formally adhered to the SDD schemes, and other interested parties around the question of acceptance of electronic mandate solutions under the SDD rulebooks.

The clarification letter highlights that the signature methods as described in section 4.1 of the SDD Core and B2B rulebooks are not exhaustive. SDD scheme participants may consider allowing continued usage of other legally binding methods of signature including those that were used under the local legacy scheme rules.

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