Batch payments: SEPA Direct Debit (SDD)

SEPA, the Single Euro Payments Area, is a payment-integration initiative of the European Union for simplification of bank transfers denominated in euros. With SEPA Direct Debit (SDD), your customers can sign a mandate that authorizes you to collect future payments from their bank accounts. This is particularly useful for recurring payments based on a subscription.

You can record customer mandates in Odoo, and generate .xml files containing pending payments made with an SDD mandate.


SDD is supported by all SEPA countries, which includes the 27 member states of the European Union as well as additional countries.


Go to Accounting app ‣ Configuration ‣ Settings, activate SEPA Direct Debit (SDD), and click on Save. Enter your company’s Creditor Identifier. This number is provided by your bank institution, or the authority responsible for delivering them.

Add a SEPA Creditor Identifier to Odoo Accounting

SEPA Direct Debit Mandates

Create a mandate

The SDD Mandate is the document that your customers sign to authorize you to collect money directly from their bank accounts.

To create a new mandate, go to Accounting app ‣ Customers ‣ Direct Debit Mandates, on Create, and fill out the form. Export the PDF file by clicking on Print. It is then up to your customer to sign this document. Once done, upload the signed file and click on Validate to start running the mandate.


Make sure that the IBAN bank accounts details are correctly recorded on the debtor’s contact form, under the Accounting tab, and in your own Bank Account settings.

SEPA Direct Debit as a payment method

SDD can be used as a payment method both on your eCommerce or on the Customer Portal by activating SDD as a Payment Provider. With this method, your customers can create and sign their mandates themselves.

To do so, go to Accounting ‣ Configuration ‣ Payment Providers, click on SEPA Direct Debit, and set it up according to your needs. To do so, go to Accounting app ‣ Configuration ‣ Payment Acquirers, click on SEPA Direct Debit.


Make sure to change the State field to Enabled, and to check Online Signature, as this is necessary to let your customers sign their mandates.

Customers using SDD as payment method get prompted to add their IBAN, email address, and to sign their SEPA Direct Debit mandate.

Close or revoke a mandate

Direct debit mandates are closed automatically after their End Date. If this field is left blank, the mandate keeps being Active until it is Closed or Revoked.

Clicking on Close updates the mandate’s end day to the current day. This means that invoices issued after the present day will not be processed with an SDD payment.

Clicking on Revoke disables the mandate immediately. No SDD payment can be registered anymore, regardless of the invoice’s date. However, payments that have already been registered are still included in the next SDD .xml file.


Once a mandate has been closed or revoked, it cannot be reactivated.

Get paid with SEPA Direct Debit batch payments

Customer invoices

You can register SDD payments for invoices issued to customers who have an active SDD mandate.

To do so, open the invoice, click on Register Payment, and choose SEPA Direct Debit as payment method.

Generate SEPA Direct Debit .XML files to submit payments

.xml files with all SDD payment instructions can be uploaded to your online banking interface to process all payments at once.


The files generated by Odoo follow the SEPA Direct Debit PAIN.008.001.02 specifications, as required by the SEPA customer-to-bank implementation guidelines, which ensures compatibility with the banks.

To generate your .xml file of multiple pending SDD payments, you can create a batch payment. To do so, go to Accounting app ‣ Customers ‣ Payments, select the needed payments, then click on Action, and finally Create a batch Payment. Once you click on Validate, the .xml file is directly available for download.

Generate an .XML file for your SDD payments in Odoo Accounting

Finally, upload this file to your online banking interface to process the payments.


You can retrieve all the generated SDD .xml files by going to Accounting app ‣ Customers ‣ Batch Payments.