Benefits
Eliminate manual data entry from signed SEPA mandate forms, reducing processing time per mandate from minutes to seconds.
Reduce payment collection delays caused by mismatched or illegible debtor information on paper authorisations.
Maintain a clean, auditable record of all extracted mandate data for compliance with SEPA scheme rules.
Free your finance team from transcribing creditor IDs, IBANs, and signatures so they can focus on exception handling and collections strategy.
How it works
- Step 1
Upload
Send the document to the API as a file or a URL no special formatting required.
- Step 2
The engine reads the document
The engine analyzes the page layout and identifies the content that matters. ByteIt's extraction engine reads the creditor details, debtor bank account information, mandate reference, and signature fields from SEPA authorization forms, handling both standardised European layouts and country-specific variations in mandate wording.
- Step 3
Structured JSON is returned
Every extracted element comes back as structured JSON, positioned and typed, ready to feed into downstream systems.
- Step 4
Confidence-based review
Each field carries a confidence score, so low-confidence results can be routed for human review instead of trusted blindly.
Extractable fields
Features
Extracts the full set of SEPA mandate fields including creditor ID, debtor IBAN and BIC, mandate reference, and signature date.
Handles scanned paper mandates, faxed copies, and digitally created PDFs with varying layouts across different EU creditor templates.
Returns structured data in JSON, CSV, or Markdown formats ready for direct ingestion into payment initiation systems.
Processes single-page and multi-page mandate documents, including annexes and accompanying terms and conditions.
API-first design with SDKs for Python, Node.js, and Go, plus workflow integration via n8n, Zapier, or Make.
Use cases
Subscription billing onboarding
When a new customer signs up for a recurring service, their signed SEPA mandate must be processed before the first collection run. ByteIt extracts the debtor's IBAN, mandate reference, and authorisation date from the signed form and feeds them directly into your billing platform, eliminating the lag between sign-up and first payment.
B2B invoice collection setup
Business customers signing a SEPA B2B direct debit mandate require stricter authorisation validation. Extract the creditor ID, debtor company details, and signature date from the form to populate your ERP's customer payment records, enabling same-day collection initiation without manual data transcription.
Mass mandate migration and reconciliation
When switching payment providers or consolidating legacy banking relationships, you may need to reprocess thousands of existing mandates. ByteIt extracts mandate references, debtor IBANs, and creditor IDs from the existing document set at scale, producing a structured dataset you can reconcile against your current payment register and import into the new system.
Compliance auditing and mandate retrieval
SEPA rules require creditors to store and retrieve signed mandates on demand for up to 14 months after the last collection. ByteIt structures the mandate data so that a search by debtor name, mandate reference, or date range returns the authorised fields instantly, supporting audit requests without digging through scanned file folders.
End-to-end payment workflow automation
Connect extracted SEPA mandate data into your ERP or accounting software using workflow automation tools like n8n, Zapier, or Make. Trigger a payment initiation file (pain.008) generation automatically when a new mandate is processed, or update debtor records in your CRM with the extracted IBAN and BIC without manual intervention.
LIVE DEMO
Try it yourself
Upload a SEPA mandate form or one of our sample documents in PDF, JPG, or PNG format to see the extraction results in real time.
Select a document and press Parse
Want to run it on your own documents?
Ready to dive in? Request a key to get started.Business advantages
- Pay only for what you process: 1 credit per standard document, 2 credits for complex scans or handwriting.
- Start free with 1,000 credits per month, no time limit on the Build plan.
- End-to-end encryption and data privacy compliance out of the box.
- Sub-second per-page processing keeps your payment workflows fast.
Frequently asked questions
What is a SEPA mandate and what fields does ByteIt extract from it?
A SEPA mandate is the signed authorisation a debtor gives a creditor to collect payments via direct debit within the Single Euro Payments Area. ByteIt extracts fields including the business name (creditor), creditor ID, debtor's IBAN and BIC, debtor's name and address, authorisation date, signature, and mandate reference.
Does ByteIt handle scanned or handwritten SEPA mandate forms?
Yes. ByteIt's vision-language model can process scanned paper mandates, faxed copies, and forms with handwritten entries. Forms with complex layouts or handwriting are automatically classified as complex documents (2 credits) to apply advanced reasoning.
What file formats are supported for uploading SEPA authorisation forms?
ByteIt accepts PDF, JPG, JPEG, PNG, DOCX, XLSX, WEBP, and HEIC files. Both single-page and multi-page mandate documents are supported.
How do I integrate SEPA mandate extraction into my existing payment system?
ByteIt provides a REST API with SDKs for Python, Node.js, and Go. You can also connect extracted data to downstream systems using workflow automation tools such as n8n, Zapier, or Make without writing custom code.
Does ByteIt support CORE and B2B SEPA mandate schemes?
The extraction engine reads the same core set of fields regardless of the scheme. Both CORE (consumer) and B2B (business) mandate formats are handled, since the difference lies in refund rights and scheme rules rather than document layout.
Is the extracted data suitable for generating pain.008 direct debit initiation files?
Yes. The structured JSON output includes the mandate reference, creditor ID, debtor IBAN and BIC, and signature date, all the fields required to populate a pain.008.001.02 message for submitting collections to your bank.
How is pricing calculated for SEPA mandate extraction?
ByteIt uses a credit-based model. Standard digital PDF mandates consume 1 credit, while scanned or handwritten forms with complex layouts consume 2 credits. The Build plan includes 1,000 free credits per month at €0 per month, with additional credits at €0.015 each. The Scale plan costs €260 per month for 25,000 credits at €0.011 per extra credit.
Related documents
Invoice
Extract invoice number, vendor data, line items, VAT, and totals from PDF invoices, scanned invoices, and receipt images with ByteIt's invoice data extraction API.
Bank Statement
Extract account holder, IBAN, transaction dates, debit/credit amounts, and balances from PDF and scanned bank statements with ByteIT's OCR API.
Remittance Advice
Extract payment details, invoice references, and customer data from remittance advices automatically. Speed up accounts receivable reconciliation with AI.
Purchase Order
Extract key fields from purchase orders automatically, PO number, line items, supplier details, totals and more. AI-powered OCR for any PO layout.
Vat Statement
Extract tax authority, VAT number, taxable amounts and more from VAT statements with ByteIt's AI-powered API. Structured JSON output for tax filing and reconciliation.