How do SEPA mandates work?

SEPA Mandates

Before debiting an account with SEPA Direct Debit, you must collect your customer’s name and bank account numbers in IBAN format. During the payment flow, customers must accept a mandate that authorizes you to debit their account. We can generate this mandate on your behalf and present it to your customers.

Authorization Text Template

The following standard authorization text should be displayed so the customer can implicitly sign the mandate during the payment flow.

By providing your payment details and confirming this payment, you authorize (A) {Name of Merchant} and Adyen, our payment service provider, to send instructions to your bank to debit your account and (B) your bank to debit your account by the payment instruction. As part of your rights, you're entitled to a refund from your bank under the terms and conditions of your agreement with your bank. You must claim a refund within 8 weeks from the date your account was debited. You can request a statement from your bank explaining your rights.


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