SEPA Direct Debit Lifecycle

Mandate to collection to R-transaction reversals as explicit state

SEPA Direct Debit Lifecycle Mandate to collection to R-transaction reversals as explicit state 01 / Collection cycle 02 / R-transactions 03 / Terminal outcomes Mandate Signed · UMR + CI · Collection cycle · authorized 01 Mandate Signed UMR + CI authorized Pre-notified · 14 days ahead · Collection cycle · scheduled 02 Pre-notified 14 days ahead scheduled First (FRST) · series opens · Collection cycle · collect 03 First (FRST) series opens collect Recurring (RCUR) · each cycle · Collection cycle · collect 04 Recurring (RCUR) each cycle collect Settled · provisional · Collection cycle · cleared 05 Settled provisional cleared Rejected · pre-settlement · R-transactions · AC04 Rejected pre-settlement AC04 Returned · bank, D+2 · R-transactions · MD01 Returned bank, D+2 MD01 Revoked · mandate off · Terminal outcomes · cancel Revoked mandate off cancel Refunded · 8-week claim · Terminal outcomes · MD06 Refunded 8-week claim MD06 Legend active state waiting terminal success failure / exit

Collection cycle

  • • Mandate (UMR + creditor ID) authorizes the pull
  • • Pre-notification precedes every collection
  • • FRST opens the series, RCUR repeats it

R-transactions

  • • Reject: before settlement, nothing moved
  • • Return: after settlement, funds clawed back
  • • Refund: debtor claim, up to 8 weeks (13 months if unauthorized)

Engineering rules

  • • Every transition is driven by a typed reason code
  • • Settled is provisional, not final
  • • Reversals post compensating ledger entries

Lifecycle diagram • Built with Archify • Create yours ↗ • Hover to trace • R route • Click to focus • +/− zoom • M radar • [/] views • P play story • T theme • E export