SEPA direct debits
Prepare supported customer-collection files from eligible invoices, using the configured creditor identification, bank details and appropriate CORE or B2B scheme.
Start with eligible invoices and mandate information
Select the collection bank and review the customer invoices that match the configured payment terms and date scope. Customer banking references and relevant mandate information must be prepared correctly. The scheme choice should match the customer's authorization and bank agreement, rather than being selected merely because a file can be generated.
Keep file preparation separate from successful collection
Generate the supported pain.008 output or the applicable Italian CBI envelope. The resulting collection instruction goes through the bank's own acceptance and execution process. Monitor the outcome and use the appropriate accounting workflow for the actual movement; the existence of a collection file is not evidence that the customer has paid.
What to know before you start
You remain responsible for valid mandates, bank agreements and submission timing. The workflow does not promise automatic mandate signing, rejection handling or collection of every submitted invoice.
Practical questions
Does the software obtain the customer's mandate?
Prepare the required customer authorization and references through your business and bank process before generating collections.
Is Italian Ri.Ba the same file as SEPA direct debit?
No. Ri.Ba is a separate supported Italian fixed-width text format with its own requirements.
Continue the workflow
Italian Ri.Ba collection files
Prepare the supported Italian Ri.Ba text file for eligible customer collections, using the company SIA code and the required Italian bank references.
SEPA payment and collection files
Prepare supported credit-transfer and direct-debit files from eligible bills and invoices, with explicit bank details and company identifiers.
Recurring billing plans
Define recurring contracts with explicit service periods, cadence, proration and issuance rules, preserving what was agreed for each billed period.