The option to issue an electronic mandate (e-mandate) included in the SEPA Direct Debit (SDD) Core Scheme and the SDD Business to Business (B2B) Scheme provides an additional means of authorising direct debit collections.
With a mandate, the payer (debtor) authorises a biller (creditor) to collect payment by direct debit. At the same time the mandate authorises the payer’s bank (debtor bank) to debit the payer’s account when a direct debit collection is presented. The e-mandate feature is described in Annex VII of the SDD Core and SDD B2B Rulebooks. The e-mandate solution included with the SDD Core and SDD B2B Rulebooks is an optional service offered by payment service providers to their customers.
To ensure that the SDD Schemes meet market needs at all times, the European Payments Council (EPC) has launched a survey on electronic mandate solutions currently existing or under development in the Single Euro Payments Area (SEPA). The feedback received with this survey will allow the EPC to assess whether there would be a need to adjust the existing e-mandate feature included in the SDD Rulebooks.
The EPC encourages any party which currently uses or provides an electronic mandate solution or will use or provide an electronic mandate solution in SEPA to participate in this survey. Respondents are invited to complete the questionnaire available with the ‘related files’ below and to email the completed questionnaire by 15 August, 2013.
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