API - September 30, 2026

Added

Support for direct debit mandates on Recipients

Platforms using direct debit pay-ins (SEPA or Bacs) can now integrate mandates on Recipients instead of legacy Bank Accounts.

Existing active mandates continue to remain operational, but new mandates should be created against a Recipient object with the relevant values for each scheme:

Mandate `Scheme`	`SEPA`	`BACS`
Recipient `Currency`	`EUR`	`GBP`
Recipient `PayoutMethodType`	`LocalBankTransfer` or `InternationalBankTransfer`	`LocalBankTransfer` only (`InternationalBankTransfer` not supported)
Recipient `RecipientScope`	`PAYIN` or `PAYOUT`	`PAYIN` or `PAYOUT`

As indicated, for direct debits the RecipientScope can be PAYIN, which doesn’t require SCA. You can also use a PAYOUT Recipient, but this requires SCA to register (unless your platform has set up proxy management and has the user’s consent).

To support mandates using Recipients:

The RecipientId property has been added to the POST Create a Mandate and GET View a Mandate endpoints. Platforms should send this property and not the BankAccountId.
A new GET List Mandates for a Recipient endpoint is available.