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SEPA Direct Debit: Implementation Guidelines and Addendum

SEPA Direct Debit batches must be delivered in the XML file format PAIN. The Dutch Payments Association (DPA) has published Implementation Guidelines for this purpose. You should also consult the ABN AMRO Addendum.

Please note that there are 2 available versions of both the guidelines and the addendum. One version as of November 2017 and one version as of November 2016. We recommend the most recent version, but for now we support both versions. 

 

SEPA Direct Debit: Conditions and Rules

If you agreed a SEPA Direct Debit contract with us, the SEPA Direct Debit Conditions and the SEPA Direct Debit Rules will apply.

 

SEPA Direct Debit: the mandate (creditor)

For both the SEPA Direct Debit Core and the SEPA B2B Direct Debit you can design the mandate form yourself. The SEPA mandate form must contain a number of mandatory data elements.

For the SEPA Direct Debit Core you can also use standard mandate forms, so called 'stoplichtkaarten'. Examples can be found below. There is also a 'certified PDF'-version which you can use for mail merges.

In case the mandate data for a SEPA Direct Debit Core change, check this overview (pdf, 46kB) what you need to do.

A change of your creditor ID is not always necessary. Read here (pdf, 32kB) in what situations you can continue using your creditor ID.

 

SEPA Direct Debit: the mandate (debtor)

As a debtor you can provide companies in all SEPA countries with a mandate. You send the mandate to the creditor. Do you want to provide a mandate for the SEPA B2B Direct Debit? For this type of Direct Debit, you have no right of refund after collection. As an extra check, you must therefore register the mandate with ABN AMRO.

Read what you need to do.

 

SEPA direct debit: refusal, revocation or refund

The Dutch banks published a list that explains the different r-transactions (refusal, revocation or refund of direct debits) they use. This list also contains the reason codes that belong to the r-transactions, and clarification on their recommended follow up.

 

SEPA Credit Transfer: Implementation Guidelines and Addendum

SEPA Credit Transfer batches must be delivered in the XML file format PAIN. The Dutch Payments Association (DPA) has published Implementation Guidelines for this purpose. You should also consult the ABN AMRO Addendum.

Please note that there are 2 available versions of both the guidelines and the addendum. One version as of November 2017 and one version as of November 2015. We recommend the most recent version, but for now we support both versions. 

 

IBAN-Acceptgiro: conditions

The IBAN-Acceptgiro has two variants: A/S and C.

 

SEPA reporting format

A reporting format has been introduced for SEPA payment products: CAMT. The CAMT reporting format contains detailed information about SEPA transactions. The Dutch Payment Association has drawn up guidelines for this purpose. You should also consult the ABN AMRO Addendum.

You are not obliged to switch to this new reporting format as ABN AMRO will continue to support the use of MT940 and MT942.

 

SEPA differences in Europe

In all participating countries paying and debiting is done in the same manner. Sometimes, however, there are still minor differences. You can find more information about this in the downloadable brochure below.

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