pain.009 — Mandate Initiation Request

Request to create a SEPA Direct Debit (SDD CORE or B2B) mandate or a recurring payment mandate, sent by the creditor to its bank — then forwarded to the debtor's bank for validation. Component of EPC's eMandate scheme to digitize the traditional paper SEPA workflow.

Purpose: initiate an SDD mandate

The SEPA Direct Debit (SDD) mandate is the authorization given by a debtor to a creditor to debit their account. Historically paper-based (physical signature), it has been digitized via the EPC eMandate scheme since 2020. pain.009 carries the mandate information: creditor identity (with CdtrSchmeId — Creditor Identifier), debtor, account to debit, frequency (monthly/quarterly), type (CORE = individuals, B2B = inter-company).

XML structure

Wrapped in <MndtInitnReq>. Key components: GrpHdr, Mndt (one mandate per message).

Example: EDF SDD CORE mandate

EDF Energy initiates a monthly SDD CORE mandate for Marie DURAND, BNP Paribas account:

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.009.001.08">
  <MndtInitnReq>
    <GrpHdr>
      <MsgId>MNDT-INIT-20260519-001</MsgId>
      <CreDtTm>2026-05-19T15:00:00+02:00</CreDtTm>
      <InitgPty>
        <Nm>EDF ENERGY SA</Nm>
        <Id>
          <OrgId><LEI>969500EDFENERGYFRANCE</LEI></OrgId>
        </Id>
      </InitgPty>
    </GrpHdr>
    <Mndt>
      <MndtId>MNDT-EDF-2026-887654</MndtId>
      <MndtReqId>REQ-EDF-2026-887654</MndtReqId>
      <Tp>
        <SvcLvl><Cd>SEPA</Cd></SvcLvl>
        <LclInstrm><Cd>CORE</Cd></LclInstrm>
      </Tp>
      <Ocrncs>
        <SeqTp>RCUR</SeqTp>
        <Frqcy>MNTH</Frqcy>
        <Drtn>
          <FrDt>2026-06-01</FrDt>
        </Drtn>
      </Ocrncs>
      <CdtrSchmeId>
        <Id>
          <PrvtId>
            <Othr>
              <Id>FR12ZZZ123456</Id>
              <SchmeNm><Prtry>SEPA</Prtry></SchmeNm>
            </Othr>
          </PrvtId>
        </Id>
      </CdtrSchmeId>
      <Cdtr>
        <Nm>EDF ENERGY SA</Nm>
        <PstlAdr>
          <StrtNm>22-30 AVENUE DE WAGRAM</StrtNm>
          <PstCd>75008</PstCd>
          <TwnNm>PARIS</TwnNm>
          <Ctry>FR</Ctry>
        </PstlAdr>
      </Cdtr>
      <Dbtr>
        <Nm>MARIE DURAND</Nm>
        <PstlAdr>
          <StrtNm>12 RUE DE LA PAIX</StrtNm>
          <PstCd>75002</PstCd>
          <TwnNm>PARIS</TwnNm>
          <Ctry>FR</Ctry>
        </PstlAdr>
      </Dbtr>
      <DbtrAcct>
        <Id><IBAN>FR7630006000011234567890189</IBAN></Id>
      </DbtrAcct>
      <DbtrAgt>
        <FinInstnId><BICFI>BNPAFRPPXXX</BICFI></FinInstnId>
      </DbtrAgt>
      <RfrdDoc>
        <Tp>
          <CdOrPrtry><Cd>SCOR</Cd></CdOrPrtry>
        </Tp>
        <Nb>CONTRAT-EDF-12345</Nb>
        <RltdDt>2026-05-19</RltdDt>
      </RfrdDoc>
    </Mndt>
  </MndtInitnReq>
</Document>

Common pitfalls

• CdtrSchmeId empty or wrong format: SEPA Creditor Identifier (ICS) is mandatory and must follow the strict format (in FR: FR12ZZZ123456 — 13 chars).
• MndtId not unique: UMR must be unique creditor-side across entire history. Duplicate = debtor bank rejection (RJCT MD16).
• SeqTp = FRST without follow-up: first debit must be FRST then switch to RCUR. Sequence error = R-Transaction rejection.
• IBAN without validation: validate the IBAN at least with mod-97 check before issuance to avoid MS02 rejections.

Related messages (SDD mandate workflow)

• pain.009 — Mandate Initiation Request (this page).
• pain.010 — Mandate Amendment Request.
• pain.011 — Mandate Cancellation Request.
• pain.012 — Mandate Acceptance Report (debtor bank response).
• pain.008 — Customer Direct Debit Initiation (based on created mandate).
• pacs.003 — FI to FI Customer Direct Debit (interbank settlement).