SEPA mandate - Cockpit

A mandatory, globally unique identifier for a direct debit mandate in the SEPA scheme. It is provided by the creditor to the payer and must be included in every direct debit instruction. Although defined as STRING in the input, a typical UMR is alphanumeric, up to 35 characters.

The Creditor Identifier (CID) is a unique reference that identifies the direct debit creditor throughout the SEPA zone. It is assigned by the national central bank or a payment service provider. Although defined as STRING, a typical CID is alphanumeric, up to 35 characters, with a country-specific format.

The standardized international bank account number used for identifying the payer's account for SEPA direct debit transactions. It includes country code, check digits, and bank-specific account information. Although defined as STRING, an IBAN has a variable length (14 to 34 characters) and a specific format (ISO 13616).

The primary business key that uniquely identifies a SEPA mandate. Must be referenced in all associated payment runs and invoices.

Standardized identifier required in every SEPA Direct Debit XML (pain.008) file to identify the originator.