SDD B2B — Business-to-Business Direct Debit

SDD B2B (SEPA Direct Debit Business-to-Business) is a direct debit scheme designed exclusively for business-to-business collections. It is based on the same logic as SDD Core but includes differences specific to the business world.

Differences from SDD Core

• No refund right: The debtor company generally cannot request a refund for an authorised collection. For this reason, mandate verification is stricter.
• Legal entities only: The debtor cannot be a consumer.
• Bank approval: The debtor’s bank verifies the mandate details in advance.

When is it used?

It is suitable for regular supplier payments, corporate subscriptions and recurring business-to-business collections.

Because the B2B scheme has no refund right, managing mandates correctly becomes critical.