SDD (SEPA Direct Debit)

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SDD (SEPA Direct Debit)

SEPA scheme for euro direct debits; two variants: CORE and B2B.

The matching XML file is pain.008. The creditor needs a CID and a mandate signed by the debtor.

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Full SEPA glossary (alphabetical index)

Full SEPA glossary (alphabetical index)

Alphabetical SEPA glossary index with 49 terms.

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Workflow rejection

Workflow rejection

Internal rejection before submitting the operation to the bank. Does not produce an R-message.

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VOP (Verification of Payee)

VOP (Verification of Payee)

Mandatory SEPA service since October 2025 that checks the beneficiary name matches the IBAN.

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UMR (Unique Mandate Reference)

UMR (Unique Mandate Reference)

Unique reference identifying a SEPA mandate within the creditor's organisation.

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TPP (Third Party Provider)

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SWIFT code

SWIFT code

Synonym of BIC; identifier standardised on the SWIFT network (ISO 9362).

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