SEPA Direct Debit


SEPA Direct Debit (SDD)
From 5 June  2017  RBA has been providing  SEPA direct debit service according to SDD scheme rules. SDD is a national payment service in euros for debits to a Payer's account to the credit of Payee account, whereby a payment transaction is initiated by the Payee on the basis of a Mandate previously obtained from the Payer. 

Types of SDD schemes
Core SDD scheme (Core scheme) -  intended for payers-consumers (physical persons)
Business-to-Business SDD scheme (B2B scheme) -  intended for payers non-consumers (business entities) 

Requirement/ recommendations for Payees


- Conclude SEPA Direct Debit Agreement with the bank which participates in the SDD scheme
- Adjust the payment file to  XML format according to ISO20022 standard – pain.008
- Create a Payer Mandate database – it is possible if a Payer maintains an account at the bank participating in the respective scheme   
- Enable placing an order via RBA iDIREKT service by using  USB/SmartCard with FINA certificate/RBA mBIZ
- Enable receipt of   camt.053   statement
- Adjust sw application for receipt of information on status of orders and required codes –pain.002



Benefits for Payer:
- simple method to execute recurring payments with a reduced risk of late payment consequences
- consumer is entitled to a refund within 8 weeks – Core scheme
- ability to determine special conditions and parameters for execution of direct debits – Core scheme

Benefits for Payee:
- enhanced certainty of payment completion within a predetermined time-cycle
- more transparent liquidity and collection management
- automated collection and reduction of administrative charges in business
- executing direct debits via a single commercial bank by using a single payment instrument pain.008

Detailed rules and conditions are defined in the Rules of Core and Business-to-Business SDD Scheme, which are available on