What are the advantages of paperless mandates for SEPA Direct Debit?

Paperless mandates have several advantages over paper mandates and can provide potential cost and efficiency benefits.


At GoCardless we believe the key to unlocking the full potential of SEPA and Direct Debits more generally, particularly for online merchants, is currently the paperless mandate.

Paperless mandates have several advantages over paper mandates and can provide potential cost and efficiency benefits:

  • Fewer manual entry processes - paper mandates require physical transfer, storage and details to be keyed in manually by merchants. The paperless mandate process is therefore inherently more efficient and less open to error.
  • Automated processes – paperless mandates allow automatic storage and retrieval of mandate data.
  • No printing, signing and returning effort – Paperless mandates avoid the inconvenience of printing, signing and mailing a paper form by using a fully electronic process. This means that there are no printing and postage costs. It also reduces paper files and archiving.

GoCardless provides a simple online system for creating and managing mandates.

To find out more about collecting SEPA Direct Debits or to register your interest with GoCardless, check out our GoCardless Europe page.

‹ View table of contents Next page ›

Latest features

5 strategies for reducing delinquent loans with better payments

Delinquent loans are a constant concern for lenders of all sizes. If your level of loan delinquency becomes too high it can have serious negative effects on your business, including increased collection costs and reputational risk. This article explores 5 ways to reduce loan delinquency with better payments.

What I wish I had known: Cash flow edition

We spoke to small business owners about how they took control of cash flow – and the lessons they learned along the way.

How to drive business impact with payments: A guide for financial services providers

The ultimate guide to driving and measuring business with payments, complete with four strategies for building a scalable payments advantage.

View all


Reference guides

View all