e-mandate- how, where and when

The endgame should be e-invoicing with direct debit option inbuilt - like is the case already in Finland. I have written about this earlier - find it in this collection:

 https://www.finextra.com/blogs/fullblog.aspx?blogid=4840

I totally agree with Bo. It can be e-invoice. Problem what most of the non-profit organizations are suffering, especially in Finland, how to replace old DD to e-invoice. We have e-mandate  service to collect e-invoice addresses, but like every other citizen, they do not know where is their e-invoice address or how it does look like. In the case of non-profit organizations, they would like to continue to use same process as they are used to, but replace DD to e-invoice.

Other issue is price what banks are charging when replacing current DD to Sepa DD. When price goes up from 1 cent to 90 cent, it totally kills monthly recurring payments, when average payment is only 5 €.

e-invoice is clearly cheaper - and better - same for consumers and business - and swims into accounting automatically

But it is still local solution. If I want to e-invoice from Belgium my customers using these solutions, there is no easy solutions, except Maventa. 

Like new reference codes, e-invoice is still taking first baby steps. I have talked with some innovators to create one e-invoice address and that would be third party provided e-mail address. I would list all my e-invoice addresses to one place and every time I get new invoice, this service tells me.Then I could use e-invoices all over SEPA area.

What comes to references, there is still huge problems when I pay from Belgium account to Finland. Most of mobile operators do have hard time to find my payments ie. cutting telephone lines.