European direct debit

Until recently, each European country used one or more specific systems for its own domestic direct debit payments. Rather than converting one of those national systems into a system common to all countries, a new product has been developed: the European direct debit, also known as the SEPA Direct Debit (SDD).


The European direct debit

The European direct debit was introduced at the end of 2009. It will replace the Belgian direct debit for good as of 1 February 2014. This is, indeed, the scheduled end-date for the domestic credit transfer and direct debit mechanisms.

View the demo (FR / NL)

What changes will European direct debits bring?


The European direct debit changes the rules for managing mandates and for collection notification periods.

Find out what's different

The direct debit mandate from A to Z

The direct debit mandate is a contract between the recipient and the payer for the payment (one-off or recurrent) of their mutual sales agreement. Several elements are legally required in the mandate.

More info

What are the benefits of the European direct debit?

European direct debits enable you to collect your payments faster and more efficiently, but also less expensively and more flexibly. Management of your direct debits is also becoming more efficient.


Find out about the advantages for business 

Additional information

Like to know all about European direct debits? What changes they will bring for recipients and payers? What benefits PC banking Pro offers you when working with European direct debits? And what rules apply in the case of business-to-business direct debits? You will find all the answers in:

The Febelfin brochure on European direct debits (FR / NL)

Our European direct debit demo (FR / NL)



PC banking Business

Thanks to PC banking Business, a mono-banking application designed primarily for businesses (legal persons), you can manage your company's day-to-day cash quickly, simply and securely.

More info

Improved debtor (payer) protection 

Since 1 April 2010, the date on which the Payment Services Directive (PSD) came into force, debtors have had certain additional rights. There is now a clear-cut procedure for your customers to reject a payment order and dispute its collection.

Read all about this improved protection