Terms of Service
CIDRUS SP. Z O.O. — DirectDebit.now SEPA Direct Debit Platform Agreement
1. Service Provider
| Company | CIDRUS SP. Z O.O. |
| Jurisdiction | Poland (EU) |
| License | Payment Institution / SEPA Creditor |
| Brand | DirectDebit.now |
2. Services Provided
SEPA Direct Debit collection and instant payment services for businesses across the European Union.
- ▸ SEPA Core Direct Debit (SDD Core)
- ▸ SEPA B2B Direct Debit (SDD B2B)
- ▸ SEPA Instant Credit Transfer (SCT Inst)
- ▸ Mandate management and customer portal
- ▸ Multi-currency virtual IBANs
3. Client Eligibility
- ▸ Registered EU/EEA businesses
- ▸ Companies with a valid SEPA Creditor ID
- ▸ Subscription, SaaS, and recurring billing businesses
Consumer direct debit not available.
4. Compliance
- ▸ KYC/KYB per Polish AML regulations
- ▸ EU PSD2 / SEPA scheme rules compliant
- ▸ EPC rulebook adherence
- ▸ Segregated client settlement accounts
5. Fees
Per-collection transaction fees based on volume, frequency, and settlement currency. Contact sales for a pricing schedule.
6. Risk Disclosure
Direct debit collections are subject to reversal and refund rights under the SEPA scheme. Clients confirm they have valid mandates for each collection and accept liability for unauthorised transactions.
