Transmission of the Mandate to the Debtor

A mandate created by a creditor does not always immediately have a signature and/or debtor client data. In this case, the mandate must be sent to this latter so that they may complete and/or sign it.

The following actions can be performed during the creation of a mandate or a mandate with “Incomplete” status:

  • The mandate data can be directly entered through SEPA Payment Suite by an authorized user (see Modification of a mandate);

  • The mandate can be submitted to the debtor electronically via a secure web access ;

  • The mandate can be submitted to the debtor by e-mail in PDF format;

  • The mandate can be submitted to the debtor on paper (see Paper mandate generation).

When the mandate is sent to the debtor, its status automatically becomes “Sent to debtor.” Certain mandate data can still be modified when the mandate is in “Sent to debtor” status (see Modification of a mandate).

When the completed mandate is returned to the creditor, SEPA Payment Suite checks the syntax of the completed fields. If any data is missing or improperly formatted, the mandate reverts to “Incomplete” status. Otherwise, the mandate continues its lifecycle.