SEPA Business (B2B) Direct Debit Mandate
- Sign the B2B mandate provided by the creditor.
- Log in to your Qonto account and upload the mandate under Business account > Direct debits.
- Enter the mandate details: the Unique Mandate Reference (UMR), the SEPA Creditor Identifier (SCI) and the type of payment (one-off or recurring).
💡 If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your paired mobile phone.
Important: A SEPA B2B direct debit cannot be revoked once it has been executed.
A B2B direct debit is a direct debit between businesses. It is intended exclusively for payments between businesses and is mainly used by public bodies (DGFIP, URSSAF, SIE...).
Another particularity of this mandate is that the debitor cannot request a refund. In the event of a dispute, you must contact the creditor directly. We cannot take any action on our side.
How do I recognize a B2B mandate?
The page header reads “SEPA Business-to-Business Direct Debit Mandate”.
It often includes the note “You are not entitled to request a refund of a SEPA Business-to-Business direct debit from your bank”.
If you or your partners need additional confirmation, we can sign and stamp the relevant direct debit mandate for you. Please note that our customer support team does this manually, so it may take some time. Please contact them directly via chat or email (support@qonto.com).
SEPA Core Direct Debit Mandate
You don’t need to do anything in your Qonto account!
All you need to do is provide your creditor with your bank details. You can download your account details document from your account at any time. The creditor is then authorized to debit your account.
A SEPA Core direct debit can be used with any type of customer, whether a business or an individual, to collect payments directly from a bank account.
You can dispute a SEPA Core direct debit if the amount in your transaction history is incorrect.
How do I recognize a Core mandate?
It contains the note “You have the right to request a refund of the direct debit within 8 weeks”.
You can suspend or reactivate a direct debit at any time.