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How to register a SEPA mandate?

  • Updated

 

From your Qonto mobile app 📲

SEPA B2B direct debits

  • Complete and sign the B2B mandate provided by the creditor

  • Log in to your Qonto mobile application and click on Outgoing direct debits in the Menu section

  • Click on the + button to download the mandate

  • Take a photo of the money order or select it from your photo library or other folder

  • Enter the details of the mandate: the Unique Mandate Reference (RUM), Your SEPA Creditor Identifier (ICS) and the payment frequency (one-off or recurring)

  • Validate the mandate

 

A B2B direct debit is an inter-company direct debit. This is reserved solely for payments between companies and is mainly used by public institutions (DGFIP, URSSAF, SIE, etc.).

The other particularity of this mandate is that the debtor cannot claim a refund.

In the event of a dispute, the customer must contact the creditor; no action is possible on our side.

 

Recognizing a B2B mandate: 

👉 There is the mention “Inter-enterprise SEPA Direct Debit Mandate” on the page header

👉 It often includes the words “You are not entitled to ask your bank to reimburse an inter-enterprise SEPA direct debit”.

 

💡If you have configured strong authentication on your account, you will receive a confirmation request on your associated phone.

 

 

 

From your web application 💻

SEPA B2B direct debits

  • Sign the B2B direct debit mandate provided by the creditor

  • Log in to your Qonto web application and go to the “Business account” section, then to the “Outgoing direct debits” section, and click on the “Set up a new direct debit” button in the top right corner.

  • Enter the mandate information: the Unique Mandate Reference (RUM), the SEPA Creditor Identifier (ICS) and the type of payment (single or recurring)

 

Please note, an inter-company SEPA direct debit cannot be contested after its execution.

 

💡If you have configured Strong Authentication on your account, you will receive a confirmation request on your associated phone.

 

 

 

SEPA Core direct debits

You don't have to do anything on your Qonto Account!

All you need to do is provide your Qonto bank details to your creditor. You can download them at any time from your account. The creditor will be authorized to debit your account.

You can dispute a SEPA Core direct debit if the amount that appeared in your account history appears to be incorrect.

 

Recognize a CORE mandate:

👉 There is the mention “You are entitled to request a refund within 8 weeks.”