{"type":"document","data":{"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/6c368d3243c21e12/original/Savings_goals-Tools_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/eb3d520a-f5ff-41a7-8cef-dfac9e47ec8e/Savings_goals-Tools_Outline","type":"image","width":32},"intro":"Simply fill in this form and we'll do the rest","link":{"url":"https://ebanking.ing.be/banking/switch-banks?EW=true"},"title":"Transfer your standing orders and direct debits?"}],"componentType":"cards"}]},"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Choose the direct debit in euro (SEPA SDD) to collect recurring payments easily in Belgium and in Europe","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Advantages"},{"componentType":"productFeatures","highlighted":false,"image":{"altTextNL":"Payments","extension":"svg","original":"https://assets.ing.com/m/2a7bd7993c765426/original/Coins.svg","transformBaseUrl":"https://assets.ing.com/transform/3155dacb-4d0b-4466-bfa1-5526cf192adb/Coins","type":"image","width":160},"items":[{"body":"In all SEPA countries payments can be collected in the same way using a direct debit.","title":"Transparent procedure"},{"body":"The collection will cost you less because you only need one bank.","title":"Financially interesting"},{"body":"Since amounts are collected automatically, payments are more punctual. As a result, you have better control of your cash flow.","title":"Efficient cash management"},{"body":"Once the agreement is signed, you do not have to undertake any more actions. Within SEPA, one account is enough for all payments.","title":"Simple method"}]},{"accordionList":[{"richBody":{"value":"<p>The SEPA direct debit (also known as SEPA Direct Debit or SDD) is a simple and organized way of automatically collecting money. With one account for the entire SEPA*, you can correctly collect your payments using direct debits. You only have to notify your customer-debtor 14 days before the collection (prior notice). You will then be able to debit their account automatically.</p><p>There are two kinds of SEPA direct debit:</p><ul><li>&apos;Normal&apos; SEPA direct debit (SEPA Core Direct Debit): for consumers and non-consumers.</li><li>Business to Business SEPA direct debit (SEPA Business to Business Direct Debit): if your customer is not a consumer. In this case the right of repayment will not apply for authorized transactions.</li></ul><ul><li>Click <a href=\"https://assets.ing.com/m/8a1eefca0ddbd968/original/List_SEPA_Countries_EN.pdf\">here</a> to find the list of SEPA countries.</li></ul>"},"title":"What is a SEPA direct debit?"},{"richBody":{"value":"<p>All organisations which have to collect recurring amounts regularly.</p>"},"title":"Who is it for?"},{"richBody":{"value":"<ul><li><strong>Direct debit agreement:</strong> as creditor you first have to conclude an agreement with your bank.</li><li><strong>Mandate (direct debit message):</strong> as creditor you ask the debtor to sign a direct debit mandate.</li><li><strong>Collection:</strong> as creditor you use the data of the mandate to send the collection details to your bank. Your bank will then be able to collect the amount due from the debtor&apos;s bank.</li></ul>"},"title":"How to set up a SEPA direct debit"},{"richBody":{"value":"<p><span><span><span><span lang=\"en-BE\" dir=\"ltr\">SDD R-transactions are situations where a SEPA Direct Debit <strong>does not go through as planned or is reversed</strong>.</span></span></span></span></p><p><span><span><span><span lang=\"en-BE\" dir=\"ltr\">This can happen when:</span></span></span></span></p><ul><li><span><span><span><span><span lang=\"en-BE\" dir=\"ltr\">a payment is <strong>refused</strong> or <strong>rejected</strong>,</span></span></span></span></span></li><li><span><span><span><span><span lang=\"en-BE\" dir=\"ltr\">a payment is <strong>returned</strong> after collection,</span></span></span></span></span></li><li><span><span><span><span><span lang=\"en-BE\" dir=\"ltr\">a <strong>refund</strong> is requested by the debtor,</span></span></span></span></span></li><li><span><span><span><span><span lang=\"en-BE\" dir=\"ltr\">or a payment is <strong>cancelled by the creditor</strong> before collection.</span></span></span></span></span></li></ul><p><span><span><span><span lang=\"en-BE\" dir=\"ltr\">Each R-transaction has a <strong>reason code</strong> explaining why it occurred, in line with <a href=\"https://www.europeanpaymentscouncil.eu/sites/default/files/kb/file/2024-11/EPC173-14%20v8.0%20Guidance%20on%20Reason%20Codes%20for%20SDD%20R-transactions.pdf\">the rules</a> set by the European Payments Council (EPC).</span></span></span></span></p>"},"title":"What are SDD R-transactions?"},{"richBody":{"value":"<p><span><span><span><span lang=\"en-BE\" dir=\"ltr\">You can reduce the number of R-transactions by:</span></span></span></span></p><ul><li><span><span><span><span><strong><span lang=\"en-BE\" dir=\"ltr\">Choosing the right collection date</span></strong><span lang=\"en-BE\" dir=\"ltr\">.</span></span></span></span></span></li><li><span><span><span><span><strong><span lang=\"en-BE\" dir=\"ltr\">Informing your debtors in advance</span></strong><span lang=\"en-BE\" dir=\"ltr\"> to ensure sufficient funds.</span></span></span></span></span></li><li><span><span><span><span><strong><span lang=\"en-BE\" dir=\"ltr\">Reminding your debtors when needed</span></strong><span lang=\"en-BE\" dir=\"ltr\">.</span></span></span></span></span></li><li><span><span><span><span><strong><span lang=\"en-BE\" dir=\"ltr\">Advising them to use their main account</span></strong><span lang=\"en-BE\" dir=\"ltr\">, for example the one on which their salary is paid.</span></span></span></span></span></li><li><span><span><span><span><strong><span lang=\"en-BE\" dir=\"ltr\">Keeping your client database up to date</span></strong><span lang=\"en-BE\" dir=\"ltr\">.</span></span></span></span></span></li></ul>"},"title":"How can you reduce R-transactions?"},{"richBody":{"value":"<p>Consult the <a href=\"https://www.ing.be/en/business/payments/ing-charges-and-regulations\">fees brochure.</a></p>"},"title":"Charges"},{"richBody":{"value":"<ul><li>Contact your ING contact person for the creation of an agreement.</li><li>Consult <a data-type=\"internal\" href=\"/en/business/payments/xml-file-upload\">this page</a> for more information about the upload of Direct Debit files in Business Bank.</li></ul>"},"title":"Are you interested in the SEPA direct debit?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Services and contact"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/4881bcedb44bebe7/original/Pencil-bubble_Outline_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/20f1c7c4-c7c1-4be5-a1b1-095f57a89efc/Pencil-bubble_Outline_RGB","type":"image","width":267},"intro":"Find out more!","title":"Any questions?"}],"componentType":"cards"},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"text":"More services and how to contact us"}]}]},"hasMacro":false,"id":"030ff5e3-d240-433e-a32f-5ec67e02bd34","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Payments","url":"/en/business/payments"}},"componentType":"productHeader","coreHeader":{"body":"Do you want to collect recurring payments in euros in an easy manner? If so, ING ​SEPA Direct Debit is the ideal solution. After receiving approval once, you can debit the amount due automatically every time, both in Belgium and in the rest of Europe.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/42e0669977928703/original/sepadirectdebit-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/f4218f24-3195-495d-bcef-a88862c53930/sepadirectdebit-1920","type":"image","width":1920},"subtitle":"Collect recurring payments easily","title":"Direct debit in euro (SEPA)"},"cta":{"componentType":"cta","textLink":{"text":"Contact us","url":"https://www.ing.be/en/business/services/contact-us"}}},"publishDate":"2026-04-30T06:00:00.268+02:00"}}