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SEPA Mandate Form

What is a SEPA direct debit mandate, and why do we need it for you to use the PRISMA API?

A SEPA direct debit mandate is a signed authorisation that allows a creditor to collect payments directly from a payer's bank account. The Single Euro Payments Area (SEPA) is a payment integration initiative of the European Union that simplifies bank transfers in euros. SEPA enables customers to make cashless euro payments to anyone located anywhere in the area, using a single bank account and a single set of payment tools.

We are required to have a signed mandate form on file for shippers wishing to use the PRISMA API.


Please download our SEPA mandate form using the link below, complete all required fields, and email the signed form to us so that we can set up your SEPA mandate.


What are the relevant elements of SEPA Direct Debit?

SEPA Direct Debit is similar to Direct Debit schemes that are used within different European countries.

  1. Pull based – Once given a mandate by our customers, we are the ones who initiate payments.
  2. Bank-to-bank payments – In SEPA Direct Debit payments, no credit card networks are involved. Communications take place directly between the banks.
  3. Euro only – All SEPA Direct Debit transactions are processed in euros, even if the payer's or merchant's account is held in a different currency. Any required currency conversion is handled by the respective banks.
  4. Chargebacks are possible – Payers can get a refund from their bank for unauthorised SEPA payments for up to 13 months.
  5. Bank details needed – To collect SEPA payments, we require user's BIC and IBAN code.


Why do we use the SEPA B2B Direct Debit?

SEPA Direct Debit in general refers to two schemes: SEPA Core Direct Debit and SEPA B2B Direct Debit. We only use the SEPA B2B Direct Debit scheme:

  1. B2B customers only – The SEPA B2B Direct Debit scheme can only be used by businesses, not by private individuals or microenterprises. A microenterprise is generally defined as a business with fewer than 10 employees and an annual turnover or balance sheet not exceeding €2 million.
  2. Indemnity claim protection – SEPA B2B Direct Debit customers are not entitled to refunds on authorised transactions. Refunds for unauthorised transactions are only possible if the payer can prove that they did not agree to a B2B mandate (up to 13 months after the debit date).
  3. Timing – SEPA B2B Direct Debit offers a shorter timeline for payment submission (1 day before the collection) and a faster response time from the banks in case of technical failure or inability to collect (2 days after collection).