Managing UMR

The Unique Mandate Reference (UMR) enables the creditor to identify a mandate signed by a given debtor. It is unique to each mandate. The creditor can freely choose the reference consisting of maximum 35 Latin characters, including spaces. This UMR should be part of the mandate before the mandate is sent to the debtor. It must definitely be part of the information communicated by the creditor to their client before any SEPA Direct Debits. (source: Banque de France)

The UMR may be freely chosen during the mandate creation process, automatically generated or generated according to your setup.

To define UMR generation options, go to the UMR Composition tab from the Procedures menu, then click Compose UMR.

Automatic Composition

When you select this option, UMRs are generated according to the following structure:

• Char 1 to 2: Mandate Origin: 00=New– ++ =Migrated
• Char. 3: SDD Scheme:C=Core – B=B2
• Char. 4: Type: R=Recurrent – P=One-off
• Char. 5-12: MMI Creditor Alias
• Char. 13-14: Year of creation (YY)
• Char. 15-16: Month of creation (MM)
• Char. 17-24: Contract ID (35 char. truncated to 8 char.)
• Char. 24-35: Sequence No. by Entity (Mandate SBE ID)

Customized Composition

This option enables you to select and specify various elements to form you own reference.