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Discover the solution dedicated to SEPA direct debits from Treezor

Treezor’s SEPA Direct Debit solution is designed to simplify the management of your recurring and automated payments across the SEPA zone. When you choose Treezor, you benefit from a solution that integrates easily into your existing ecosystems, and a reliable service that complies with European standards.

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How does SEPA direct debit work?

SEPA Direct Debit enables a creditor to debit a sum in euros from the account of its debtor, located in the SEPA zone.

Two types of direct debits

At Treezor, we offer two types of SEPA Direct Debit (SDD):

SDD Core, accessible to all;
SDD B2B, for inter-company relations and public bodies.

Two types of validity

The period of validity of a SEPA direct debit mandate depends on the wording of the mandate, which may be:

one-off – the mandate is only valid for a single direct debit;
recurring – it ends when the debtor revokes the agreement.

However, if no direct debit order is presented for 36 months, the mandate lapses.

Features and benefits of SEPA direct debits

SDD Core

The Treezor API can also be used to issue and receive SDD Core direct debits with the following features:

Unique Mandate Reference (UMR)
Unique, customized CID (Creditor ID)
Payment in euros
No amount limit
The end user’s account is credited on D+1, then potentially debited if the direct debit returns in error.
Lower transaction costs

SDD B2B

The Treezor API can also be used to receive a B2B direct debit request with the following features:

Unique Mandate Reference (UMR)
Treezor or customized CID
Payment in euros
No amount limit
Cancellation of the direct debit authorization (revocation) is definitive.
Turnaround time: 1 working day

Why choose Treezor for SEPA Direct Debit (SDD): Core and B2B?

Use our API to offer your customers an online SEPA direct debit solution to facilitate recurring collections (outgoing and incoming). On request, we can take the necessary steps with the Banque de France to obtain a CID in your company’s name.

Simplified automation

Our SEPA direct debit solutions automate recurring payments, reducing administrative tasks and minimizing the risk of errors.

Pan-European coverage:

Benefit from extensive coverage throughout the SEPA zone. Facilitate transactions in the SEPA zone without extra effort.

Security and compliance

With Treezor, every transaction is protected by security protocols, guaranteeing compliance with European standards.

Flexibility and adaptability

Customize your direct debits to suit your specific needs. Whether for one-off or recurring payments, our solution adapts to your business model, offering you tailor-made financial management.

Some examples of SEPA direct debit use

As a reminder, SDD Core is designed for consumer and business use, while SDD B2B is exclusively for business-to-business transactions.

SDD Core direct deb

The SDD Core direct debit can be used in the following cases:

Payment of recurring bills (electricity, water, gas, etc., telephone, internet, television subscriptions, etc.)
Subscriptions to online services: subscriptions to streaming services, mobile apps.
Credits and loans: Repayment of bank loans: automatic direct debits for monthly loan repayments.

Prélèvement SDD B2B

The B2B SDD can be used in the following cases:

Payment of inter-company invoices: Payment of invoices to suppliers of goods or services, or payment of subcontractors’ services under service contracts.
Payment of taxes: You can choose to have your taxes deducted directly by the tax authorities from the payment account (SDD Core) opened with Treezor (account with Treezor IBAN).
Trade credits: Repayment of trade credits between companies.