VRP Mandate Builder + SEPA Validator

· This tool runs entirely in your browser. No data is transmitted to any server. All mandate generation and validation happens locally on your device.

📋 Mandate Details

Payee / Merchant Name *

Payee Sort Code + Account

Purpose / Use Case *

Payment Limits

Max Single (£) *

Max Daily (£)

Max Monthly (£)

Validity Period

Valid From *

Valid Until *

Mandate Reference *

Unique identifier supplied by the Payment Service Provider

Consumer / Payer Name

⚖️ VRP vs Direct Debit


Feature	Variable Recurring Payment	Direct Debit
Consumer control	Real-time revocation via app	Written notice to bank
Amount variability	Flexible, within mandate limits	Fixed or advance notice
Settlement speed	Near-instant (Faster Payments)	2–3 business days
Regulatory framework	Open Banking / PSD2 / CMA Order	BACS scheme rules
Indemnity claim	Not applicable	DD guarantee (8 weeks)
Mandate setup	OAuth consent, strong auth	Paper / online AUDDIS
Transaction visibility	Full push notification	Statement entry only
Failed payment retry	App-initiated re-try	Manual representation

📄

Mandate Preview

Complete the form and click Generate Mandate to produce a printable mandate document, consumer disclosure, and compliance checklist.

The VRP Mandate Builder helps payment service providers, banks, and fintech teams rapidly prototype UK Commercial Variable Recurring Payment (CVRP) mandates. It generates a printable mandate document, a plain-English consumer disclosure, and a compliance checklist aligned with the CMA Open Banking Order, PSD2, and the OBIE VRP standards.

Key logic: All mandate text and compliance checks are produced by transparent JavaScript conditionals — no external API, no ML model. The UKPI checklist verifies presence of mandatory fields (payee identity, limits, reference, validity period) and flags common omissions such as missing daily/monthly caps or missing revocation language.

Limitations: This tool is a reference prototyping aid only. It does not produce legally binding mandates and does not connect to any Open Banking directory or API. Always engage your legal and compliance teams before deploying live VRP mandates.

· This tool runs entirely in your browser. No data is transmitted to any server. IBAN and BIC validation happens locally using the MOD-97 algorithm.

🏦 SEPA Credit Transfer Details

Debtor (Sender)

Debtor Name *

Debtor IBAN *

No spaces — tool accepts with or without spaces

Debtor BIC

Creditor (Recipient)

Creditor Name *

Creditor IBAN *

Creditor BIC

Payment Details

Amount (EUR) *

Transfer Type

Remittance Information

SEPA restricts to Latin character set (a–z, A–Z, 0–9 and /-?:().,'+)

End-to-End Reference

Max 35 characters, no spaces

Execution Date

🌍

Validation Results

Enter SEPA transfer details and click Validate & Generate to run MOD-97 IBAN checks, BIC format validation, charset analysis, and generate a pain.001 XML snippet.

🗺️ SEPA Country Reference

The SEPA Validator performs client-side validation of SEPA Credit Transfer (SCT) and SEPA Credit Transfer Instant (SCT Inst) payment details. Checks include: IBAN MOD-97 checksum, IBAN length per country, BIC structure (8 or 11 characters), SCT Inst €100,000 single-transaction limit, remittance information Latin charset compliance, and End-to-End reference length.

IBAN validation: The tool implements the full ISO 13616 MOD-97-10 algorithm. The IBAN is rearranged (move first 4 chars to end), letters are converted to digits (A=10…Z=35), and the resulting integer is checked for remainder 1 when divided by 97.

pain.001 XML: The generated XML is a representative snippet conforming to ISO 20022 pain.001.001.03 structure used by SEPA CT. It is provided as a development reference only and should be validated against your PSP's full schema before use in production.

Limitations: BIC lookup against a live SWIFT directory is not performed (client-side only). Country-specific IBAN length rules are embedded in the tool and may require updating as new countries join SEPA.

This tool runs entirely in your browser. No data is transmitted to any server. All calculations, mandate generation, IBAN validation, and file processing happen locally on your device. No analytics, no cookies, no telemetry. This tool does not collect, store, or transmit any personally identifiable information (PII) or payment account data.