The SDD Mandate

The mandate is at the centre of a SEPA Direct Debit (SDD) payment.

It is the document a payer must sign and send to the biller in order to authorise the biller (via its payment service provider or PSP) to collect the funds directly from the account of the payer. The SDD mandate can be issued in a paper or electronic format.

The EPC provides billers with a number of tools facilitating the creation of templates for SDD mandates (for both the SDD Core and SDD Business-to-Business or B2B schemes), and ensure that they are user-friendly and compliant with the SDD rulebooks

EPC guidelines to simplify the SDD mandates issued by billers

SDD mandates are signed by all kinds of payers: individuals, businesses, and more. It is therefore important that they remain easily understandable and as short as possible. The EPC has issued a guidance document containing practical information on the visual presentation of SDD mandates. Any biller can use these guidelines to issue streamlined mandates (both paper and electronic). They suggest a number of ways to reduce the mandate size without losing any essential content and while remaining compliant with the SDD rulebooks.

Download the Guidelines for the appearance of mandates