As the European Parliament announces a six-month extension to the SEPA timeframe , on behalf of its members, EFA has submitted a formal request to the European Payments Council to adjust the wording of SEPA regulation to clarify that mandating methods are not restricted to physically signed paper documents and the e-Mandate.



Gunther Lutschinger, EFA President and Chief Executive of Fundraising Verband Austria, says:

“With the evolution of internet and mobile payments, it is essential that the acceptable mandating procedures must evolve to offer donors the full range of secure and convenient payment methods. We are also concerned that the regulation should allow time for donors to adapt to the new direct debit procedures, without disrupting current regular giving payments.”


The EPC itself has confirmed in a clarification letter of 1st October 2013 that the signature methods as described in Section 4.1 of thee current regulation are not exhaustive and that other mandate forms may be accepted unless prohibited by the SEPA regulation or other applicable legislation.


The content and intention of this clarification letter constitute an essential element for mandate solutions under the EPC SDD schemes. Consequently, and in order to deliver the required certainty for SDD Scheme Participants, it must be reflected in the SEPA SDD rulebooks.


Furthermore, EFA recommends that the rulebooks should clarify that the Debtor bank’s final decision shall acknowledge the mandating method agreed upon by Debtor and Creditor as well as by Creditor and Creditor Bank.