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Convert your direct debit files into SEPA format with Direct-debits

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Find out more information on Direct debits’ software here.

CFONB/AEB to SEPA Direct Debits ISO 20022 converter

Optional module

Direct-debits enables you to convert direct debit files from the banking standards (CFONB or AEB) to the new SEPA XML format.

Creating your mandate library
  • Automatic allocation of Unique Mandate References using configurable rules
  • Multiple mandate management for one bank account

Conversion of CFONB or AEB direct debit remittances to SEPA XML
  • Automatic recognition of the banking format and the account to be credited
  • Detection of new direct debit mandates with UMR generation and registration in the mandate library
  • Conversion of bank details or account numbers into IBAN form
  • Enhancement of SDD files using data saved in the mandate library
  • Splitting direct debit remittances by sequential status: FIRST or RECURRENT
  • Preparation of the XML file
  • Displaying and monitoring due dates before sending
  • Execution dates may be modified

History of your issued SEPA Direct Debits
  • Consultation of bank sending history
  • Monitoring of amendments to direct debit mandates

The process of converting and sending files can be automated with the optional FTP-Bank module.

A proven solution

Rates dependent on your volume of transactions

Software adapted to your profession

More reliable collections

Paperless mandate (e-mandate)

Thanks to Direct-debits, don’t worry about specific tasks related to SEPA anymore!

Benefits of Direct-debits

  • Adaptation of the Direct-debits software in line with different
  • Complex conversion cases can be completed (multiple mandates)
  • Tools to aid migration from AEB or CFONB to SEPA


  • Controlled SEPA migration
  • Simplified rapid handling thanks to intuitive ergonomics


  • The application is guaranteed to comply with EPC standards