Obtaining the signed mandate
Your customer authorises you to collect, on a paper form or through an e-mandate service. Pro does not collect signatures.
Outside Pro Customers and mandates in SEPA Generator Pro
SEPA mandate management without the spreadsheet.
Keep every customer's mandate reference, signature date, debtor IBAN, and scheme in one local register, and let each Direct Debit collection draw on it instead of retyping the same details.
14 days · No credit card · No account required.
Four different jobs, often confused.
“Managing mandates” can mean several things. Pro handles two of them; the other two stay with you, your customers, and the banks.
Keeping the mandate record
The reference, signature date, debtor account, scheme, and whether the mandate is still in use, kept for every customer.
In ProBank-side arrangements
Your creditor identifier and Direct Debit agreement come from your bank. For B2B mandates, the debtor also confirms the mandate with their own bank. Pro does not register mandates anywhere.
Outside ProCreating the Direct Debit file
Each collection uses the recorded mandate details to build a pain.008 file that you upload through your bank.
In Pro The register
What a mandate record holds.
Customers belong to a creditor profile, so organisations that collect under more than one creditor identifier keep them apart.
- Customer name and your own customer reference.
- Unique mandate reference and date of signature.
- Debtor IBAN, and BIC where your bank needs it, checked when entered.
- Scheme: SEPA Core (CORE) or SEPA Business-to-Business (B2B).
- Status you maintain: active, paused, or inactive.
- Optional default amount and remittance text for repeat collections.
Importing the mandates you already have
Most organisations start with a spreadsheet or an export from another system. Import it from CSV, XLS, or XLSX and map its columns once.
- Records are matched by customer and mandate reference, never by name or IBAN alone.
- New, updated, and unchanged rows are shown before anything is saved.
- Updated rows list each changed field, including a changed debtor IBAN.
- Duplicate, ambiguous, or conflicting rows are blocked instead of guessed.
From mandate record to collection.
Once mandates are recorded, preparing a collection is a matter of choosing who to collect from this period.
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Select active mandates.
Add customers to a new collection, or repeat last period's. Paused and inactive mandates are left out of repeats.
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Check sequence and amounts.
Review flags a first collection (FRST) on a mandate that was already collected, a collection after a final one, and large amount changes.
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Export the file.
Mandate reference and signature date go into every transaction of the pain.008 file, ready for upload through your bank.
The full collection cycle, from repeat to export history, is on SEPA Direct Debit software.
CORE and B2B mandates.
The scheme is recorded on each mandate, and a collection is prepared for one scheme at a time. The main differences, in short:
| Aspect | SEPA Core | SEPA B2B |
|---|---|---|
| Debtors | Consumers and businesses | Businesses only, not consumers |
| Debtor's refund right for an authorised collection | Up to 8 weeks after the debit date | None |
| Mandate confirmation at the debtor's bank | Not required | Debtor confirms the mandate with their bank |
| In SEPA Generator Pro | Set per mandate | Set per mandate |
Summary only: the European Payments Council rulebooks, your bank, and your Direct Debit agreement define the exact rules and deadlines. COR1 is no longer a separate option; older COR1 files can be moved to CORE with the migration tools in Pro.
Where the register stops.
- No electronic signatures, e-mandates, or mandate forms.
- No mandate registration with your bank or the debtor's bank.
- Statuses are your own records; Pro does not legally validate mandates or track their expiry.
- No pre-notification e-mails to customers.
- Files are schema-validated, but acceptance can still depend on your bank, your agreement with it, and the mandates you hold.
Mandate records stay in a local workspace on your computer, with optional encrypted backups. See data and backups in Pro.
Mandate management questions
Can customers sign mandates electronically in SEPA Generator Pro?
No. Pro does not collect signatures. You obtain the signed mandate the way you do today, on paper or through an e-mandate service, and then record its reference, signature date, and debtor details in Pro.
Does Pro register mandates with my bank or check them with the debtor's bank?
No. Pro has no connection to any bank. The mandate details you record are written into each Direct Debit file you export. For B2B mandates, the debtor must also confirm the mandate with their own bank, which happens outside Pro.
Can I import mandates I already keep in a spreadsheet?
Yes. Map the columns of a CSV, XLS, or XLSX file to customer and mandate fields. Pro matches existing records by customer reference and mandate reference, shows new and updated rows with the fields that change, and blocks duplicate or conflicting rows before anything is saved.
What happens when a member leaves or a mandate is cancelled?
Mark the mandate as paused or inactive. It is no longer included when you repeat a collection, and the customer, the mandate, and earlier exports stay in Pro for reference. These statuses are your own records, not a legal check of the mandate.
Does Pro tell me when a mandate expires?
No. Pro does not track mandate expiry. Under the SEPA rules a mandate lapses if no collection is presented under it for 36 months, so keep that in mind for rarely used mandates and set their status accordingly.
Is a mandate register in Pro enough to be compliant?
Pro helps you keep accurate mandate records and consistent collection files. Keeping the signed mandates, informing customers before each collection, and meeting your bank's and the scheme's rules remain your responsibility.
Move your mandates into one register.
Import a copy of your mandate spreadsheet during the free trial and see how your next collection would look.
14 days · No credit card · No account required.
The 14-day free trial includes every Pro feature, with no credit card and no account. Nothing is charged automatically when the trial ends. A license is required to keep using Pro after the trial: €119/year, an annual subscription with 3 device activations. Your local data is never deleted. See Pro pricing.