General Product Questions
What is the SDD?
The SDD - SEPA Direct Debit - is a pan-European Direct Debit system that allows merchants to collect Euro-denominated payments from accounts in the 34 SEPA countries.
What are the SEPA Direct Debit schemes?
The SDD payment provides two direct debit schemes:
- SDD Core scheme: it can be used by payment service providers (PSPS) who offer individual consumers and businesses the convenience and security of euro direct debits in Europe;
- SDD Business-to-Business (B2B) scheme: it enables business customers
in the role of payers to make payments by direct debit.
SDD Mandates Questions
What is the mandate?
The mandate is agreed between the parties and signed by the debtor in order to authorize the creditor to send him a direct debit payment.
When a mandate is considered to exist?
The existence of a mandate may arise from the following cases:
- the customer has successfully completed the signature process, after which the procedure will take care of saving the mandate just signed in the repository;
- the list of pre-registered mandates is displayed on the FPP app interface and the client can proceed to sign the mandate using the electronic signature.
In this case the list of pre-registered mandates will be present on FPP repository.
SDD Payments Questions
What does the granularity of the single payment SDD consist of and how is it managed?
The SDD are managed with granularity by single payment collection, through the Fabrick system it will always be possible to monitor the status of each single incoming payment.
The SDD aggregation logic within a payment list is managed by Fabrick who will be responsible for sending the list of SDD payments to the bank.(or SDD bank circuit).
Which consent types are supported?
All those of the Berlin Group NextGENPSD2 protocol: detailed, global, and bank-offered.
How is the amount of the single payment collection provided to Fabrick?
The user can provide the data relating to the amount of the single collection through the "Create Payment" endpoint.
The input data are:
- debtor information (e.g. the mandate linked on the payment collection);
- IBAN details on which to collect the payment (enabled and appropriately configured during the setup phase);
- dueDate: The date on which the payment has to be debited to the debtor's account. Please note if the dueDate parameter is empty or null, the system will calculate the earliest possible date.
If the dueDate parameter is specified, the earliest possible date must be 4 working days from SDD Payment Order creation;
- Amount in Euro currency.
When is possible to cancel a request payment?
Sets a payment as cancelled (i.e., requests Fabrick not to submit the payment to the accounting counterpart).
Please note that the payment on which this endpoint is invoked must be in 'RECEIVED' status.
Invoking the endpoint on a payment in any other status will result in an error.
If the payment frequency of the mandate is recurring, is it possible to change the amount value each time?
Yes, It's possible.
The value "RECURRING" is referred only to the type of payment frequency, not to the value of the amount.