Technology Update
Our present is the best guarantee for the future

SEPA standard requires consent for standing orders


SEPA Mandato electrónico

As of 1 February 2014, companies that charge for their services by standing order must meet the requirements concerning collection and safekeeping of the authorization stipulated in the SEPA regulations.

It is important to note that direct debits by standing order corresponding to new customers implemented without the necessary consent may be subject to return and refund during the 13 months following the unauthorized charge.

This is an obligation imposed by the European Union as part of the SEPA (Single Euro Payment Area) initiative to unify and standardize a crucial point in trade and banking relations, namely the obtaining and processing of debit consent.


Single Authorization Reference

Standardization of the system is achieved through the single reference for said consent. This is a 35-position alphanumeric code which is assigned to each consent form and subsequently allows identification of each standing order issued by the customer or debtor.


e-Consent or electronic authorization

The SEPA standard mentions only two possible methods to obtain authorization:

  • Consent on paper with handwritten signature.
  • e-Consent with electronic signature.

The document is an XML file with a series of mandatory fields which will include the debtor's electronic signature. To be valid, it must be signed with an approved electronic signature.



So, many businesses related with the utilities sector (water, electricity, gas, telephone companies... etc.) will find their management affected, given the obligation to obtain the customer's consent to carry out the direct debit from their current account.

For all these businesses, EDICOM has an added value service integrated in its platform for generation and validation of standing orders in accordance with the SEPA regulation.

Our electronic consent publishing service automates the process of generating, sending and electronic signature of the authorization document.

 funcionamiento mandato electrónico SEPA

  • Data taken from client’s ERP to create the e-Consent (XML file) according to the SEPA standard.
  • File transformation into format (PDF) viewable by the client or debtor.
  • Publication of the document in a portal where the client can check the consent authorization.
  • The client receives notice via e-mail to check and authorize the consent form. When the user accepts and authorizes the consent, an electronic certificate is created which applies the acknowledged electronic signature mechanisms as stipulated by law.
  • The signed and authorized consent is safeguarded in the platform as per legal requirements.
  • The resulting document can be integrated with the company's internal management system.

Find out about our EDICOM SEPA Platform solution.


Would you like to find out more?

Ask for information.


Cloud Computing B2B Cloud Platform EDI ASP-SaaS e-Invoicing GDSN VMI EMCS VAN OFTP2 AS2 Certification Authority Digital Signature Outsourcing SLA Software EDICOM Events Expert Chat SaaS-ASP Corporate Information HUB GS1 CFDI PAC APP Associated Facturae Data Sync NOM151 partners EDICOM Retail public administrations Acreditations Web Portal EDI NF-e einvoicing Partner Web Portal SAP EDI Health Edicomdata ediwin CRP EBI Facture Demat ei Payroll Portal EDI Travel B2B EDICOMNet edi logistics SAFT-PT Ticket Portal Avaluos business@mail EDI Manufacturers CT-e NFS-e TSD UE 1169/2011 epayrolls SEPA factura electronica Conservazione Sostitutiva edi automotive customer support center comprobante de pago CAE rg1169 e-billing DTE e-awb fattura pa comprobantes fiscales electrónicos UE 1169/201 report nfc-e einvo contabilidad electronica CFE comprobante fiscal electronico Portail Chorus compliance eAWB xml-cargo peppol edicom air iata e-cargo facturación electrónica IVA Cargo-XML EDICOMAir SUNAT Perú SEE Business Mail Payrolls recibos de sueldo EDI Auto b2g eprocurement IVA ELECTRÓNICO sii PCRDD SII AEAT Expert Analysis Switzerland NHS edi academy comercio exterior EDICOM LTA sat event TURKEY paperless OFTP EDI Web facture électronique dématérialisation fiscale carrefour colombia CFDI Nóminas DIAN México SAF-T VAT Poland DESADV ASN Fatture B2B Costa Rica Chorus Pro AIFE facture électronique en France Administration Publique en France facture électronique en Europe moda Italia interoperabilidad suministro inmediato de información european union digitalización settore sanitario openpeppol european einvoicing global einvoicing electronic invoice billentis report informe billentis factura electrónica ecuador edicom sii norway VAT compliance tax administration franco-german einvoicing españa air freight sector UNCTAD aviso de expedición Advanced Shipped Notice Despatch Advice peppol network peppol standards peppol european union chile tendencias interoperability interconexión chorus factuurcongress SINTEL Brasil interoperabilidade foreign trade nhs e-procurement strategy peppol access point e-procurement trends digitization digital transformation SaaS edicomsii MMOG/LE latam global einvociing cybersecurity EDI financeiro white paper factura electrónica colombia fintech Govein fashion eIDAS e-archiving ebimap SME EDICOMLta e-commerce EDI financiero russia fattura b2b B2B e-Invoicing GDPR RTIR FACe FACeB2B portugal blockchain ItalyNSO B2G e-Invocing business@mailPharma vat compliance ar EDIHOSP GOVEIN19 EDICOMSignADoc

Follow us on

  • linkedin
  • rss