SEPA B2B Infrastructure

Bank-Verified B2B Mandates

Bank-Verified B2B Mandates

The Mandate Service Provider (MSP) sits at the heart of the SDD flow, managing SEPA Direct Debit mandate authorization. By connecting to the GM Router, MSPs can register B2B mandates with any debtor bank across the SEPA zone.

The Mandate Service Provider (MSP) sits at the heart of the SDD flow, managing SEPA Direct Debit mandate authorization. By connecting to the GM Router, MSPs can register B2B mandates with any debtor bank across the SEPA zone.

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MSP Platform

Request sent

+30

All SEPA Banks

Built for Mandate Service Providers

What We Offer MSPs

What We Offer MSPs

Green Mandate connects MSP platforms directly to debtor banks across the SEPA zone. Through a single integration to the GM Router, mandates are validated, routed, and registered at the bank level before collection.

Green Mandate connects MSP platforms directly to debtor banks across the SEPA zone. Through a single integration to the GM Router, mandates are validated, routed, and registered at the bank level before collection.

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Operational Efficiency

Operational Performance Advantages for MSPs

Operational Performance Advantages for MSPs

Lower Operational Costs

Lower Operational Costs

Reduce manual reconciliation, error handling, and bank-specific integration overhead.

Reduce manual reconciliation, error handling, and bank-specific integration overhead.

Faster Mandate Validation

Faster Mandate Validation

Shorten the time between mandate submission and bank verification.

Shorten the time between mandate submission and bank verification.

Full Process Transparency

Full Process Transparency

Receive structured status updates and maintain a complete audit trail for each mandate.

Receive structured status updates and maintain a complete audit trail for each mandate.

Regulatory Confidence

Regulatory Confidence

Operate within SEPA B2B requirements with standardized validation and routing logic.

Operate within SEPA B2B requirements with standardized validation and routing logic.

Streamlined Payments with Confidence

SEPA Direct Debit Made Simple

SEPA Direct Debit Made Simple

CORE

B2B

Flexible Access Across All Customers

Accessible for consumers and businesses, enabling flexible payment collection across base.

Securely Stored Mandates You Can Trust

Mandates are securely stored by your creditor, giving you peace of mind and compliance assurance.

Protected Payments with 56-Day Refunds

Refund protection ensures your customers feel confident while maintaining trust in your business.

Full Transaction Freedom, No Bank Limits

No bank-imposed debit limits means you can scale transactions without restrictions.

CORE

B2B

Flexible Access Across All Customers

Accessible for consumers and businesses, enabling flexible payment collection across base.

Securely Stored Mandates You Can Trust

Mandates are securely stored by your creditor, giving you peace of mind and compliance assurance.

Protected Payments with 56-Day Refunds

Refund protection ensures your customers feel confident while maintaining trust in your business.

Full Transaction Freedom, No Bank Limits

No bank-imposed debit limits means you can scale transactions without restrictions.

B2B

Core

Flexible Access Across All Customers

Accessible for consumers and businesses, enabling flexible payment collection across base.

Securely Stored Mandates You Can Trust

Mandates are securely stored by your creditor, giving you peace of mind and compliance assurance.

Protected Payments with 56-Day Refunds

Refund protection ensures your customers feel confident while maintaining trust in your business.

Full Transaction Freedom, No Bank Limits

No bank-imposed debit limits means you can scale transactions without restrictions.

SEPA Messaging Framework

Complete Control Across the SEPA Direct Debit

  • PAIN.008

    Initiates one or more SEPA Direct Debits and triggers actual fund collection through the creditor’s bank.

    CORE & B2B

    Key Data Included:

    Debtor IBAN

    Amount

    Collection date

    Mandate details (ID, signature date, sequence type)

  • PAIN.009

    Registers a new SEPA B2B mandate with the debtor’s bank before any collection can take place.

    B2B Only

    Key Data Included:

    معرّف التفويض

    Debtor details

    Creditor details

    Mandate signature date

  • PAIN.010

    Updates an existing SEPA B2B mandate registered with the debtor’s bank.

    B2B Only

    Key Data Included:

    Updated debtor IBAN

    Updated creditor details

    Updated mandate ID

    Mandate modification data

  • PAIN.010

    Updates an existing SEPA B2B mandate registered with the debtor’s bank.

    B2B Only

    Key Data Included:

    Updated debtor IBAN

    Updated creditor details

    Updated mandate ID

    Mandate modification data

  • PAIN.012

    Confirms whether a mandate action was accepted or rejected by the debtor’s bank.

    B2B Only

    Key Data Included:

    Mandate request reference

    Acceptance or rejection status

    Bank response code

    Processing timestamp

SEPA Messaging Framework

Complete Control Across the SEPA Direct Debit

PAIN.012

Confirms whether a mandate action was accepted or rejected by the debtor’s bank.

PAIN.011

Cancels an existing SEPA B2B mandate to prevent future direct debit collections.

Debtor IBAN

Amount

Collection date

Mandate details (ID, signature date, sequence type)

PAIN.010

Updates an existing SEPA B2B mandate registered with the debtor’s bank.

PAIN.009

Registers a new SEPA B2B mandate with the debtor’s bank before any collection can take place.

Debtor IBAN

Amount

Collection date

Mandate details (ID, signature date, sequence type)

PAIN.008

Initiates one or more SEPA Direct Debits and triggers actual fund collection through the creditor’s bank.

CORE & B2B

Key Data Included:

Debtor IBAN

Amount

Collection date

Mandate details (ID, signature date, sequence type)

Not routing

Router routes

PAIN.012

Confirms whether a mandate action was accepted or rejected by the debtor’s bank.

PAIN.011

Cancels an existing SEPA B2B mandate to prevent future direct debit collections.

Debtor IBAN

Amount

Collection date

Mandate details (ID, signature date, sequence type)

PAIN.010

Updates an existing SEPA B2B mandate registered with the debtor’s bank.

PAIN.009

Registers a new SEPA B2B mandate with the debtor’s bank before any collection can take place.

Debtor IBAN

Amount

Collection date

Mandate details (ID, signature date, sequence type)

PAIN.008

Initiates one or more SEPA Direct Debits and triggers actual fund collection through the creditor’s bank.

CORE & B2B

Key Data Included:

Debtor IBAN

Amount

Collection date

Mandate details (ID, signature date, sequence type)

Not routing

Router routes

Integration

How a MSP Connects to the B2B GM Router?

How a MSP Connects to the B2B GM Router?

Connecting is simple. MSPs integrate via API. The GM Router receives SEPA SDD PAIN.009–011 messages and returns PAIN.012 responses. Each mandate request includes a Mandate Certificate (and Audit Report) for the debtor bank.

Connecting is simple. MSPs integrate via API. The GM Router receives SEPA SDD PAIN.009–011 messages and returns PAIN.012 responses. Each mandate request includes a Mandate Certificate (and Audit Report) for the debtor bank.

Request access to the GM Router

Integration

How a MSP Connects to the B2B GM Router?

Connecting is simple. MSPs integrate via API. The GM Router receives SEPA SDD PAIN.009–011 messages and returns PAIN.012 responses. Each mandate request includes a Mandate Certificate (and Audit Report) for the debtor bank.

Request access to the GM Router

Testimonial

Trusted by Finance Professionals

Marcia van der Leeden – De Groot

Financial Director, Das Autohaus Leasing

B2B mandates used to be slow, manual, and error-prone. Today it’s fully digital. This means faster onboarding, full audit trails, and automated bank mandate registration.

Géke Heikoop

Manager Finance Operations, A.S.R.

Green Mandate helped us move away from fragmented mandate processes and weak authorization methods. The result is a single, SEPA compliant flow that works reliably across all banks and significantly reduces operational risk.

Rob van Eerd

Software Architect, Qander

Simplicity, compliance, and zero paperwork for customers. That’s what stood out to us. Green Mandate provides clear mandate evidence that meets both our legal and operational requirements.

Testimonial

Trusted by Finance Professionals

Marcia van der Leeden – De Groot

Financial Director, Das Autohaus Leasing

B2B mandates used to be slow, manual, and error-prone. Today it’s fully digital. This means faster onboarding, full audit trails, and automated bank mandate registration.

Géke Heikoop

Manager Finance Operations, A.S.R.

Green Mandate helped us move away from fragmented mandate processes and weak authorization methods. The result is a single, SEPA compliant flow that works reliably across all banks and significantly reduces operational risk.

Rob van Eerd

Software Architect, Qander

Simplicity, compliance, and zero paperwork for customers. That’s what stood out to us. Green Mandate provides clear mandate evidence that meets both our legal and operational requirements.

Testimonial

Trusted by Finance Professionals

Géke Heikoop

Manager Finance Operations, A.S.R.

Green Mandate helped us move away from fragmented mandate processes and weak authorization methods. The result is a single, SEPA compliant flow that works reliably across all banks and significantly reduces operational risk.

Rob van Eerd

Software Architect, Qander

Simplicity, compliance, and zero paperwork for customers. That’s what stood out to us. Green Mandate provides clear mandate evidence that meets both our legal and operational requirements.

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