The CustomerDirectDebitInitiation message is sent by the initiating party to
the forwarding agent or creditor agent. It is used to request single or bulk
collection(s) of funds from one or various debtor's account(s) for a
The CustomerDirectDebitInitiation message can contain one or more direct
The message can be used in a direct or a relay scenario:
- In a direct scenario, the message is sent directly to the creditor agent.
The creditor agent is the account servicer of the creditor.
- In a relay scenario, the message is sent to a forwarding agent. The
forwarding agent acts as a concentrating financial institution. It will
forward the CustomerDirectDebitInitiation message to the creditor agent.
The message can also be used by an initiating party that has authority to
send the message on behalf of the creditor. This caters for example for the
scenario of a payments factory initiating all payments on behalf of a large
The CustomerDirectDebitInitiation message can be used in domestic and
The CustomerDirectDebitInitiation may or may not contain mandate related
information, i.e. extracts from a mandate, such as MandateIdentification or
DateOfSignature. The CustomerDirectDebitInitiation message must not be
considered as a mandate.
The CustomerDirectDebitInitiation message must not be used by the creditor
agent to execute the direct debit instruction(s). The
FIToFICustomerDirectDebit message must be used instead.
If it is agreed to include the payment information related to the credit side
only once (i.e. Grouped mode), the PaymentInformation block will be present
only once. If it is agreed to repeat the payment information related to the
credit side (i.e. Single mode), the PaymentInformation block must be present
once per occurrence of the DirectDebitTransactionInformation block. The
CustomerDirectDebitInitiation message also allows for a Mixed mode where the
PaymentInformation block can be repeated and each PaymentInformation block
can contain one or several DirectDebitTransactionInformation block(s). Single
When grouping is set to Single, information for each individual instruction
is included separately. This means the PaymentInformation block is repeated,
and present for each occurrence of the Direct Debit TransactionInformation
block. Grouped When grouping is set to Grouped, the PaymentInformation block
will be present once and the Direct Debit TransactionInformation block will
be repeated. Mixed When grouping is set to Mixed, the PaymentInformation
block may be present once or may be repeated. Each sequence of the
PaymentInformation block may contain one or several Direct Debit