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SEPA standard limits debit item to 140 characters


SEPA (Single european payments area)

The new SEPA regulation coming into force on February 1 2014 brings with it a series of new obligations that will affect thousands of businesses all over Europe. One of the highlights is the new 140-character limit for additional information on items such as bank debits and transfers.

Also coming into force with the SEPA (Single Euro Payment Area) ruling is the new format for debit and transfer files in the “single payment area”. This is the SEPA standard, a file in XML format that includes a number of mandatory fields, and features among which we find the cited restriction to 140 characters for the inclusion of information in the item field.

As a result, many businesses, especially those related with the utilities sector (water, lighting, gas, telephone services... etc), will find their day-to-day management affected, since they habitually use the item field to include details referring to billing and information on consumption of their services by their customers. With the limitation - a reduction from 640 to 140 characters - including these data is not feasible, so companies will have to resort to other means of communication to provide said information to their clients.

To resolve this issue, EDICOM SEPA Platform provides a distribution service for electronic invoices that automatically publishes and sends out 100% of the bills, without any limitation on the number of characters in the message.

Business@Mail platform

Business@Mail is the application developed by Edicom to publish electronic invoices in a secure web portal which clients can access quickly, safely and free of charge to check their billing details. Publishing and filing are carried out in compliance with all legal requirements and guarantees, ensuring receipt and monitoring by the issuer of their processing by the receiver.

Further information on Business@Mail invoice publishing service.



EDICOM provides a solution for businesses and individuals that enables automation of the entire process of generating (transformation, validation, integration) bank debits under the new XML schema regulated by the EU.

Additionally, the platform is completed with the integration of our value-added services for publishing electronic documents.

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

Find out more about our solution for compliance with the SEPA regulation.

Would you like to find out more?

Ask for information.


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