Distinguishing mandates depending on the type of direct debit

There are two types of mandates:

  • One-off

    The signed mandate applies to a single direct debit. It expires after this single direct debit is made.

  • Recurring

    The signed mandate applies to a series of direct debits. It becomes null after a period of 36 months with no payments or after a "FNAL" direct debit.

The SEPA direct debit works in “sequences”. The following table lists the possible sequences for direct debit, each code corresponding to a type of mandate.

Table 1. Possible sequences depending on the type of direct debit
Mandate type Possible sequence for the direct debit Code
One-off ONE OFF: unique direct debit, not followed by other direct debits within the same mandate. OOFF
Recurring FIRST1: 1st direct debit of the series. FRST
RECURRENT: direct debits following the 1st one of a series. RCUR
FINAL: last direct debit of a series. FNAL
  1. As of 20 November 2016, the FIRST sequence is optional. The first SEPA direct debit of a series can be issued either with the “RCUR” presentation sequence or with the “FRST” presentation sequence.

Revocation

The SEPA direct debit mandate can be revoked at any time by the debtor or the creditor.

In case where the revocation is initiated by the debtor, the bank where the account is located does not inform the payment gateway. The potential future transactions that concern this mandate will be considered as chargebacks. They can be identified in the chargeback logs by the return code MD01 (absent mandate).

Expiry date

A mandate becomes null after 36 months without a payment or following a “FNAL” direct debit. In this case, the payment gateway will refuse to create new transactions with this mandate (therefore, there will be no presentation in the bank).

If new direct debits are to be made with this client, a new mandate must be signed.