SEPA Mandate Lifecycle Diagram
Visualize the complete lifecycle of a SEPA mandate: from signing to expiry or revocation, through the different debit types.
Mandate signing
The debtor signs the direct debit authorization. Can be paper or digital signature.
Pending activation
The mandate is signed but no debit has been submitted yet.
Active mandate
The mandate is in use. Debits (FRST, RCUR, OOFF) can be submitted against it.
Expired mandate
36 months have passed without submitting any debit. New authorization from the debtor is needed.
Revoked mandate
The debtor or creditor has revoked the mandate. No more debits can be submitted.
Amendment
Modification of mandate data (debtor bank change, creditor change, etc.) without needing a new signature.
The SEPA mandate lifecycle
What is the lifecycle of a SEPA mandate?
Signature → Pending → Active (FRST, then RCUR) → Expired/Revoked. It can also undergo amendments or end with FNAL.
When to use FRST, RCUR, OOFF, FNAL?
FRST: first debit against the mandate. RCUR: subsequent recurring debits. OOFF: single payment. FNAL: last planned debit in a recurring series.
When does it change from FRST to RCUR?
After the first debit (FRST) has been successfully processed, all subsequent debits must be sent as RCUR.
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