Identifying the transmission channel of SEPA direct debit orders to the bank

SEPA Direct Debit uses the EBICS protocol (Electronic Banking Internet Communication Standard).

There are two types of EBICS protocols:

  • EBICS T with "detached signature": the creditor needs to connect to the bank account and manually validate direct debit files. This communication protocol is used by the payment gateway.
  • EBICS TS with "attached signature": prior to transferring direct debit orders to the bank, the creditor signs them with a certificate delivered by a certification authority.

Please contact your bank to know more about the terms of SEPA direct debit order transfers.