Operations

SEPA direct debit

Also known as: SEPA mandate · Direct debit · SEPA-Lastschrift

SEPA direct debit is a pull-based payment method: with a signed mandate, the payee collects due amounts from the payer's account. In a driving school it lets the school collect students' open invoices automatically.

SEPA Direct Debit lets a payee collect recurring or one-off amounts without the payer actively transferring each invoice. It rests on a mandate that the payer grants to the creditor.

Key terms:

  • The creditor identifier and mandate reference uniquely identify the collection and the mandate.
  • The mandate authorises collection and can be revoked.
  • The payer can dispute a debit within the statutory refund windows.

The RoadReview management system in closed beta implements payment links and invoice collection. SEPA collection requires a suitable active school payment setup and a valid mandate; availability also depends on the payment provider. Registration prepayments are a separate, restricted path. Online enrolment therefore does not automatically mean an operational SEPA mandate is in place.

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