SEPA Direct Debit B2B governs euro collections from business accounts under a creditor mandate. Debtor-provider mandate checks and distinct exception rules underpin the scheme; an authorised collection lacks Core's unconditional refund right, making correct mandate handling central.
TL;DR:
- SDD B2B governs mandated euro direct-debit collections between businesses.
- Debtor-provider mandate checking and distinct refund treatment shape collection risk.
- The 2025 v1.1 edition was replaced by v1.2 on 30 September 2026.
Summary
Purpose and Scope
SEPA Direct Debit B2B governs euro collections from business accounts under a creditor mandate. Debtor-provider mandate checks and distinct exception rules underpin the scheme; an authorised collection lacks Core's unconditional refund right, making correct mandate handling central.
Business Collection Model
A creditor initiates a collection under a business debtor’s mandate. The debtor provider’s mandate controls are central to the B2B scheme. An authorised collection does not carry Core’s unconditional refund right, making B2B distinct from a consumer-oriented direct-debit arrangement.
Messages and Exceptions
EPC supplies customer-to-PSP, inter-PSP and e-mandate implementation guidance based on the 2019 ISO 20022 message version. Collection and exception handling use their relevant rules rather than assuming that the mandate alone guarantees successful payment.
Historical Edition
Version 1.2 superseded 2025 v1.1 on 30 September 2026 and deferred the unstructured-address deadline. EPC says other business or operating rules were unchanged by that update.
Keywords
- SDD B2B
- Business Collections
- Euro Debits
- Creditor Mandates
- Mandate Checks
- Debtor PSP
- ISO 20022
- Exception Handling
- Address Formats
- Version 1.1