SEPA Direct Debit Deep Dive

What You Can Do After This Chapter

Learning objective. Learner explains SDD Core and B2B, describes mandate flows and the e-mandate service, and traces a EUR 89.99 monthly collection from pain.008 through pacs.003 to settlement, including rejects, returns, refunds and reversals.

Practical assessment. Learner receives a case where Stadtwerke Linden must collect EUR 89.99 monthly from Jonas Weber, then drafts the pain.008 file, the pacs.003 message, and the pacs.002 and pacs.004 reports, including a refund inside eight weeks and a reversal with reason code AM05, with realistic mandate references and due dates. Learner also explains the Core and B2B differences and the e-mandate messages in a short note.

Expected deliverables.

• pain.008 draft for the EUR 89.99 monthly utility collection
• pacs.003 step by step guide for Core and B2B collections
• pacs.002 reject and pacs.004 return drafts with reason codes AM05, MS02 and MS03
• Refund case note: eight week no questions asked and thirteen month unauthorised rules
• Reversal draft using pain.007 and pacs.007 for a duplicate collection

Completion criterion. Learner drafts a correct pain.008 and pacs.003 for the EUR 89.99 collection, explains each reject and return reason, and handles the eight week refund and the AM05 reversal correctly.