SEPA compliance
Built from scratch to comply with SEPA Direct Debit regulations.
Custodita implements the requirements of the European Payments Council (EPC) Rulebooks, the Payment Services Directive (PSD2) and the ISO 20022 standard. Every mandate, signature and collection is managed in compliance with current regulations.
EPC Rulebook compliant
Mandates with all required fields: UMR, creditor identifier, IBAN, scheme, payment type and signature. Core and B2B support.
PSD2 compliant
Refund rights text (8 weeks / 13 months) included in every mandate as per PSD2 articles 76 and 71.
ISO 20022 (pain.008 / pain.002)
Collection and bank response XML files generated in standard ISO 20022 format, compatible with any European bank.
36-month expiration
Automatic inactivity expiration control per the EPC Rulebook. Alerts and bulk renewal.
Mandates with all required SEPA fields
Every mandate generated by Custodita includes all fields required by the EPC Rulebooks: unique reference, creditor identifier, debtor data, scheme, payment type and signature.
- UMR (Unique Mandate Reference) generated automatically
- Verified SEPA creditor identifier
- Core and B2B schemes with their specific rules
Legal text per PSD2
The mandate PDF includes the legal text about the debtor's refund rights, per articles 76 and 71 of the Payment Services Directive (PSD2).
- 8 weeks for authorised debits (art. 76 PSD2)
- 13 months for unauthorised debits (art. 71 PSD2)
- Text adapted to the scheme (Core vs B2B)
XML files in standard ISO 20022 format
Remittances are generated in pain.008.001.02 format and bank responses are processed in pain.002.001.03 format, both ISO 20022 standards accepted by any European bank.
- XML structure validated per ISO 20022
- SHA-256 checksum of the generated file
- SEPA sequence types: FRST, RCUR, FNAL, OOFF
Regulatory compliance without the effort
Custodita ensures every mandate and collection meets SEPA regulations.
Get started free