{"id":20258,"date":"2025-10-21T14:55:38","date_gmt":"2025-10-21T14:55:38","guid":{"rendered":"https:\/\/www.sepaxmlgenerator.com\/blog\/%ce%bc%ce%bf%ce%bd%ce%b1%ce%b4%ce%b9%ce%ba%ce%ae-%ce%b1%ce%bd%ce%b1%cf%86%ce%bf%cf%81%ce%ac-%ce%b5%ce%bd%cf%84%ce%bf%ce%bb%ce%ae%cf%82-umr-%ce%b3%ce%b9%ce%b1-%ce%ac%ce%bc%ce%b5%cf%83%ce%b5%cf%82\/"},"modified":"2025-10-21T16:04:37","modified_gmt":"2025-10-21T16:04:37","slug":"%ce%bc%ce%bf%ce%bd%ce%b1%ce%b4%ce%b9%ce%ba%ce%ae-%ce%b1%ce%bd%ce%b1%cf%86%ce%bf%cf%81%ce%ac-%ce%b5%ce%bd%cf%84%ce%bf%ce%bb%ce%ae%cf%82-umr-%ce%b3%ce%b9%ce%b1-%ce%ac%ce%bc%ce%b5%cf%83%ce%b5%cf%82","status":"publish","type":"post","link":"https:\/\/www.sepaxmlgenerator.com\/el\/blog\/%ce%bc%ce%bf%ce%bd%ce%b1%ce%b4%ce%b9%ce%ba%ce%ae-%ce%b1%ce%bd%ce%b1%cf%86%ce%bf%cf%81%ce%ac-%ce%b5%ce%bd%cf%84%ce%bf%ce%bb%ce%ae%cf%82-umr-%ce%b3%ce%b9%ce%b1-%ce%ac%ce%bc%ce%b5%cf%83%ce%b5%cf%82\/","title":{"rendered":"\u039c\u03bf\u03bd\u03b1\u03b4\u03b9\u03ba\u03ae \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2 (UMR) \u03b3\u03b9\u03b1 \u03ac\u03bc\u03b5\u03c3\u03b5\u03c2 \u03c7\u03c1\u03b5\u03ce\u03c3\u03b5\u03b9\u03c2 SEPA"},"content":{"rendered":"<p>\u03a3\u03c5\u03bd\u03ae\u03b8\u03c9\u03c2, \u03c3\u03c4\u03bf \u03b5\u03c0\u03ac\u03bd\u03c9 \u03c4\u03bc\u03ae\u03bc\u03b1 \u03bc\u03b9\u03b1\u03c2 \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2 \u03ac\u03bc\u03b5\u03c3\u03b7\u03c2 \u03c7\u03c1\u03ad\u03c9\u03c3\u03b7\u03c2, \u03cc\u03c0\u03c9\u03c2 \u03b1\u03c5\u03c4\u03cc \u03c4\u03bf \u03c0\u03b1\u03c1\u03ac\u03b4\u03b5\u03b9\u03b3\u03bc\u03b1 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd Digital Sales, \u03b8\u03b1 \u03b4\u03b5\u03af\u03c4\u03b5 \u03ad\u03bd\u03b1 \u03c0\u03b5\u03b4\u03af\u03bf \u03bc\u03b5 \u03c4\u03af\u03c4\u03bb\u03bf, \u039c\u03bf\u03bd\u03b1\u03b4\u03b9\u03ba\u03ae \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2 (UMR).<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-20270 size-large\" src=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2025\/10\/Unique-Mandate-Reference-1024x285.png\" alt=\"\u039c\u03bf\u03bd\u03b1\u03b4\u03b9\u03ba\u03ae \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2\" width=\"580\" height=\"161\" srcset=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2025\/10\/Unique-Mandate-Reference-1024x285.png 1024w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2025\/10\/Unique-Mandate-Reference-300x83.png 300w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2025\/10\/Unique-Mandate-Reference-768x213.png 768w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2025\/10\/Unique-Mandate-Reference.png 1101w\" sizes=\"auto, (max-width: 580px) 100vw, 580px\" \/><\/p>\n<p>\u0397 \u03ba\u03b1\u03c4\u03b1\u03c7\u03ce\u03c1\u03b7\u03c3\u03b7 \u03c7\u03c1\u03b7\u03c3\u03b9\u03bc\u03bf\u03c0\u03bf\u03b9\u03b5\u03af\u03c4\u03b1\u03b9 \u03c9\u03c2 \u03b5\u03c3\u03c9\u03c4\u03b5\u03c1\u03b9\u03ba\u03ae \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac \u03b3\u03b9\u03b1 \u03c4\u03bf\u03bd \u03bf\u03c6\u03b5\u03b9\u03bb\u03ad\u03c4\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b1\u03bd\u03b1\u03b3\u03bd\u03ce\u03c1\u03b9\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03b1\u03bd\u03c4\u03b9\u03c3\u03c4\u03bf\u03af\u03c7\u03b9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2, \u03c4\u03bf \u03c0\u03b5\u03b4\u03af\u03bf \u03c3\u03c5\u03bc\u03c0\u03bb\u03b7\u03c1\u03ce\u03bd\u03b5\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03c4\u03bf\u03bd \u03b1\u03c0\u03bf\u03b4\u03ad\u03ba\u03c4\u03b7 \u03c4\u03b7\u03c2 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae\u03c2 (\u03c4\u03b7\u03bd \u03b5\u03c4\u03b1\u03b9\u03c1\u03b5\u03af\u03b1 \u03ac\u03bc\u03b5\u03c3\u03b7\u03c2 \u03c7\u03c1\u03ad\u03c9\u03c3\u03b7\u03c2, \u03c3\u03b5 \u03b1\u03c5\u03c4\u03cc \u03c4\u03bf \u03c0\u03b1\u03c1\u03ac\u03b4\u03b5\u03b9\u03b3\u03bc\u03b1 \u03c4\u03b7\u03bd Digital Sales) \u03ba\u03b1\u03b9 \u03cc\u03c7\u03b9 \u03b1\u03c0\u03cc \u03c4\u03bf\u03bd \u03bf\u03c6\u03b5\u03b9\u03bb\u03ad\u03c4\u03b7.<\/p>\n<p>\u039f\u03c5\u03c3\u03b9\u03b1\u03c3\u03c4\u03b9\u03ba\u03ac, \u03b7 \u039c\u03bf\u03bd\u03b1\u03b4\u03b9\u03ba\u03ae \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03bc\u03b9\u03b1 \u03bc\u03bf\u03bd\u03b1\u03b4\u03b9\u03ba\u03ae \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac \u03c0\u03bf\u03c5 \u03c0\u03c1\u03bf\u03c3\u03b4\u03b9\u03bf\u03c1\u03af\u03b6\u03b5\u03b9 \u03ba\u03ac\u03b8\u03b5 \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae \u03ac\u03bc\u03b5\u03c3\u03b7\u03c2 \u03c7\u03c1\u03ad\u03c9\u03c3\u03b7\u03c2 \u03c0\u03bf\u03c5 \u03c5\u03c0\u03bf\u03b3\u03c1\u03ac\u03c6\u03b5\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03c4\u03bf\u03bd \u03bf\u03c6\u03b5\u03b9\u03bb\u03ad\u03c4\u03b7 \u03b3\u03b9\u03b1 \u03ba\u03ac\u03b8\u03b5 \u03c3\u03c5\u03b3\u03ba\u03b5\u03ba\u03c1\u03b9\u03bc\u03ad\u03bd\u03bf \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03ae, \u03b3\u03bd\u03c9\u03c3\u03c4\u03ae \u03c9\u03c2 \u03b1\u03bd\u03b1\u03b3\u03bd\u03c9\u03c1\u03b9\u03c3\u03c4\u03b9\u03ba\u03cc \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2 \u03c3\u03c4\u03b7 \u03c3\u03c5\u03bd\u03b1\u03bb\u03bb\u03b1\u03b3\u03ae \u03ac\u03bc\u03b5\u03c3\u03b7\u03c2 \u03c7\u03c1\u03ad\u03c9\u03c3\u03b7\u03c2 SEPA. \u039a\u03ac\u03c4\u03b9 \u03c3\u03b1\u03bd \u03c4\u03bf\u03bd \u03b1\u03c1\u03b9\u03b8\u03bc\u03cc \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7 \u03c3\u03b5 \u03ad\u03bd\u03b1 \u03bb\u03bf\u03b3\u03b9\u03c3\u03c4\u03b9\u03ba\u03cc \u03c0\u03b1\u03ba\u03ad\u03c4\u03bf. \u0397 <strong>\u03bc\u03bf\u03bd\u03b1\u03b4\u03b9\u03ba\u03ae \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2 (UMR<\/strong>) \u03c0\u03b1\u03c1\u03ad\u03c7\u03b5\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03c4\u03bf\u03bd \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03ae.  <\/p>\n<p>\u03a5\u03c0\u03ac\u03c1\u03c7\u03bf\u03c5\u03bd \u03bf\u03c1\u03b9\u03c3\u03bc\u03ad\u03bd\u03b5\u03c2 \u03c0\u03c1\u03bf\u03cb\u03c0\u03bf\u03b8\u03ad\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd \u03b1\u03bd\u03ac\u03b8\u03b5\u03c3\u03b7 \u03bc\u03b9\u03b1\u03c2 \u039c\u03bf\u03bd\u03b1\u03b4\u03b9\u03ba\u03ae\u03c2 \u0391\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac\u03c2 \u0395\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2 (UMR). \u0395\u03ac\u03bd \u03b4\u03b5\u03bd \u03c4\u03b7\u03c1\u03b7\u03b8\u03bf\u03cd\u03bd \u03b1\u03c5\u03c4\u03ad\u03c2, \u03bf \u03c6\u03ac\u03ba\u03b5\u03bb\u03bf\u03c2 \u03b8\u03b1 \u03b1\u03c0\u03bf\u03c1\u03c1\u03b9\u03c6\u03b8\u03b5\u03af \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03ac \u03c3\u03b1\u03c2. <\/p>\n<h2><strong>\u03a0\u03c1\u03bf\u03b4\u03b9\u03b1\u03b3\u03c1\u03b1\u03c6\u03ad\u03c2 \u03b3\u03b9\u03b1 \u03ad\u03bd\u03b1\u03bd \u03bc\u03bf\u03bd\u03b1\u03b4\u03b9\u03ba\u03cc \u03b1\u03c1\u03b9\u03b8\u03bc\u03cc \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac\u03c2 \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2 (UMR)<\/strong><\/h2>\n<ul>\n<li>\u039f \u03ba\u03c9\u03b4\u03b9\u03ba\u03cc\u03c2 \u03b1\u03c5\u03c4\u03cc\u03c2 \u03c0\u03b1\u03c1\u03ac\u03b3\u03b5\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03c4\u03bf\u03bd \u03b4\u03b9\u03ba\u03b1\u03b9\u03bf\u03cd\u03c7\u03bf \u03c4\u03b7\u03c2 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae\u03c2<\/li>\n<li>\u03a0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03bc\u03bf\u03bd\u03b1\u03b4\u03b9\u03ba\u03cc<\/li>\n<li>\u039f \u03ba\u03c9\u03b4\u03b9\u03ba\u03cc\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03ad\u03bd\u03b1 \u03c0\u03b5\u03b4\u03af\u03bf \u03b5\u03bb\u03b5\u03cd\u03b8\u03b5\u03c1\u03bf\u03c5 \u03ba\u03b5\u03b9\u03bc\u03ad\u03bd\u03bf\u03c5 \u03ad\u03c9\u03c2 35 \u03c7\u03b1\u03c1\u03b1\u03ba\u03c4\u03ae\u03c1\u03c9\u03bd.<\/li>\n<li>\u03a0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c3\u03b5 \u03b1\u03c1\u03c7\u03b5\u03af\u03bf \u03ac\u03bc\u03b5\u03c3\u03b7\u03c2 \u03c7\u03c1\u03ad\u03c9\u03c3\u03b7\u03c2 SEPA xml<\/li>\n<li>\u03a4\u03bf \u03b5\u03bd \u03bb\u03cc\u03b3\u03c9 UMR \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03c3\u03c4\u03b1\u03b8\u03b5\u03c1\u03cc \u03b3\u03b9\u03b1 \u03cc\u03bb\u03b7 \u03c4\u03b7 \u03b4\u03b9\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1 \u03c4\u03b7\u03c2 \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2 \u03ba\u03b1\u03b9 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03b1\u03bd\u03b1\u03c6\u03ad\u03c1\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03ba\u03ac\u03b8\u03b5 \u03c3\u03c5\u03bb\u03bb\u03bf\u03b3\u03ae.<\/li>\n<\/ul>\n<h2><strong>\u039a\u03b1\u03b8\u03bf\u03c1\u03b9\u03c3\u03bc\u03cc\u03c2 \u03bc\u03bf\u03bd\u03b1\u03b4\u03b9\u03ba\u03ae\u03c2 \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac\u03c2 \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2 (UMR) &#8211; 5 \u039a\u03b1\u03c4\u03b5\u03c5\u03b8\u03c5\u03bd\u03c4\u03ae\u03c1\u03b9\u03b5\u03c2 \u03b3\u03c1\u03b1\u03bc\u03bc\u03ad\u03c2 \u03c3\u03c7\u03b5\u03c4\u03b9\u03ba\u03ac \u03bc\u03b5 \u03c4\u03bf\u03c5\u03c2 \u03c7\u03b1\u03c1\u03b1\u03ba\u03c4\u03ae\u03c1\u03b5\u03c2<\/strong><\/h2>\n<p><em>a b c d e f g h i j k l m n o p q r s t u v w x y z<\/em><\/p>\n<p><em>A B C D E F G H I J K L M N O P Q R S T U V W X Y Z<\/em><\/p>\n<p><em>0 1 2 3 4 5 6 7 8 9<\/em><\/p>\n<p><em>\/ &#8211; ? : ( ) . , &#8216; + (\u0391\u03c5\u03c4\u03bf\u03af \u03bf\u03b9 \u03c7\u03b1\u03c1\u03b1\u03ba\u03c4\u03ae\u03c1\u03b5\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b5\u03c0\u03af\u03c3\u03b7\u03c2 \u03ad\u03b3\u03ba\u03c5\u03c1\u03bf\u03b9 \u03c7\u03b1\u03c1\u03b1\u03ba\u03c4\u03ae\u03c1\u03b5\u03c2, \u03b1\u03bb\u03bb\u03ac \u03b4\u03b5\u03bd \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03b5\u03b9\u03c3\u03ac\u03b3\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c9\u03c2 \u03c0\u03c1\u03ce\u03c4\u03bf\u03c2 \u03ae \u03c4\u03b5\u03bb\u03b5\u03c5\u03c4\u03b1\u03af\u03bf\u03c2 \u03c7\u03b1\u03c1\u03b1\u03ba\u03c4\u03ae\u03c1\u03b1\u03c2 \u03c3\u03b5 \u03bf\u03c0\u03bf\u03b9\u03bf\u03b4\u03ae\u03c0\u03bf\u03c4\u03b5 \u03c0\u03b5\u03b4\u03af\u03bf) &#8211; \u03b1\u03c0\u03bb\u03ac \u03b5\u03af\u03bd\u03b1\u03b9 \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03bf \u03bd\u03b1 \u03b1\u03c0\u03bf\u03c6\u03b5\u03cd\u03b3\u03bf\u03bd\u03c4\u03b1\u03b9 \u03b5\u03bd\u03c4\u03b5\u03bb\u03ce\u03c2 \u03b1\u03c5\u03c4\u03bf\u03af \u03bf\u03b9 \u03c7\u03b1\u03c1\u03b1\u03ba\u03c4\u03ae\u03c1\u03b5\u03c2.<\/em><\/p>\n<p><em>\u0394\u03b9\u03ac\u03c3\u03c4\u03b7\u03bc\u03b1 \u03a7\u03b1\u03c1\u03b1\u03ba\u03c4\u03ae\u03c1\u03b5\u03c2 \u03b5\u03ba\u03c4\u03cc\u03c2 \u03b1\u03c5\u03c4\u03bf\u03cd \u03c4\u03bf\u03c5 \u03c3\u03c5\u03bd\u03cc\u03bb\u03bf\u03c5 \u03c7\u03b1\u03c1\u03b1\u03ba\u03c4\u03ae\u03c1\u03c9\u03bd \u03b4\u03b5\u03bd \u03b8\u03b1 \u03c5\u03c0\u03bf\u03c3\u03c4\u03b7\u03c1\u03af\u03b6\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03c4\u03bf \u03c3\u03c7\u03ae\u03bc\u03b1 SEPA, \u03c0.\u03c7. @, \u00e1, \u00dc.<\/em><\/p>\n<h3><strong>\u039b\u03b5\u03b9\u03c4\u03bf\u03c5\u03c1\u03b3\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1 \u039c\u03bf\u03bd\u03b1\u03b4\u03b9\u03ba\u03ae\u03c2 \u0391\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac\u03c2 \u0395\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2 (UMR) \u03c3\u03c4\u03bf SEPA XML GENERATOR<\/strong><\/h3>\n<p>\u03a3\u03c4\u03bf \u03c0\u03bb\u03b1\u03af\u03c3\u03b9\u03bf <a href=\"https:\/\/www.sepaxmlgenerator.com\/el\/\" target=\"_blank\" rel=\"noopener\">\u03c4\u03b7\u03c2 SEPA XML GENERATION<\/a> \u03c5\u03c0\u03ac\u03c1\u03c7\u03bf\u03c5\u03bd \u03b4\u03cd\u03bf \u03bc\u03ad\u03b8\u03bf\u03b4\u03bf\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03c0\u03c1\u03bf\u03c3\u03b8\u03ae\u03ba\u03b7 \u03bc\u03b9\u03b1\u03c2 \u03bc\u03bf\u03bd\u03b1\u03b4\u03b9\u03ba\u03ae\u03c2 \u039c\u03bf\u03bd\u03b1\u03b4\u03b9\u03ba\u03ae\u03c2 \u0391\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac\u03c2 \u0395\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2 (UMR) \u03bc\u03ad\u03c3\u03c9 \u03bc\u03b5\u03c4\u03b1\u03c6\u03cc\u03c1\u03c4\u03c9\u03c3\u03b7\u03c2 csv \u03ae \u03c7\u03b5\u03b9\u03c1\u03bf\u03ba\u03af\u03bd\u03b7\u03c4\u03b1. \u0394\u03b5\u03af\u03c4\u03b5 \u03c4\u03bf \u03b1\u03c1\u03c7\u03b5\u03af\u03bf \u03c0\u03bf\u03c5 \u03b5\u03c0\u03b9\u03c3\u03c5\u03bd\u03ac\u03c0\u03c4\u03b5\u03c4\u03b1\u03b9 <a href=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2025\/10\/sample_customers_aib_debit_transfer_UMR.csv\" target=\"_blank\" rel=\"noopener\">\u03b5\u03b4\u03ce<\/a> \u03ba\u03b1\u03b9 \u03b5\u03c0\u03af\u03c3\u03b7\u03c2 \u03c0\u03b1\u03c1\u03b1\u03ba\u03ac\u03c4\u03c9 \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd \u03c0\u03c1\u03bf\u03c3\u03b8\u03ae\u03ba\u03b7 \u03b5\u03bd\u03cc\u03c2 \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7 \u03c7\u03b5\u03b9\u03c1\u03bf\u03ba\u03af\u03bd\u03b7\u03c4\u03b1. <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-20278 size-large\" src=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2025\/10\/Unique-Mandate-Reference-SEPA-XML-GENERATOR-csv-format-1024x280.png\" alt=\"\u039c\u03bf\u03bd\u03b1\u03b4\u03b9\u03ba\u03ae \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2 - SEPA XML GENERATOR - \u03bc\u03bf\u03c1\u03c6\u03ae csv\" width=\"580\" height=\"159\" srcset=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2025\/10\/Unique-Mandate-Reference-SEPA-XML-GENERATOR-csv-format-1024x280.png 1024w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2025\/10\/Unique-Mandate-Reference-SEPA-XML-GENERATOR-csv-format-300x82.png 300w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2025\/10\/Unique-Mandate-Reference-SEPA-XML-GENERATOR-csv-format-768x210.png 768w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2025\/10\/Unique-Mandate-Reference-SEPA-XML-GENERATOR-csv-format.png 1028w\" sizes=\"auto, (max-width: 580px) 100vw, 580px\" \/><\/p>\n<div id='gallery-1' class='gallery galleryid-20258 gallery-columns-3 gallery-size-large'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.sepaxmlgenerator.com\/el\/blog\/%ce%bc%ce%bf%ce%bd%ce%b1%ce%b4%ce%b9%ce%ba%ce%ae-%ce%b1%ce%bd%ce%b1%cf%86%ce%bf%cf%81%ce%ac-%ce%b5%ce%bd%cf%84%ce%bf%ce%bb%ce%ae%cf%82-umr-%ce%b3%ce%b9%ce%b1-%ce%ac%ce%bc%ce%b5%cf%83%ce%b5%cf%82\/umr-sepa-xml-generator-2\/'><img loading=\"lazy\" decoding=\"async\" width=\"229\" height=\"163\" src=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2025\/10\/UMR-SEPA-XML-GENERATOR.png\" class=\"attachment-large size-large\" alt=\"UMR - SEPA XML GENERATOR\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.sepaxmlgenerator.com\/el\/blog\/%ce%bc%ce%bf%ce%bd%ce%b1%ce%b4%ce%b9%ce%ba%ce%ae-%ce%b1%ce%bd%ce%b1%cf%86%ce%bf%cf%81%ce%ac-%ce%b5%ce%bd%cf%84%ce%bf%ce%bb%ce%ae%cf%82-umr-%ce%b3%ce%b9%ce%b1-%ce%ac%ce%bc%ce%b5%cf%83%ce%b5%cf%82\/umr-2\/'><img loading=\"lazy\" decoding=\"async\" width=\"357\" height=\"123\" src=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2025\/10\/UMR.png\" class=\"attachment-large size-large\" alt=\"UMR\" srcset=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2025\/10\/UMR.png 357w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2025\/10\/UMR-300x103.png 300w\" sizes=\"auto, (max-width: 357px) 100vw, 357px\" \/><\/a>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n\n<h3><strong>\u03a0\u03b5\u03c1\u03af\u03bb\u03b7\u03c8\u03b7, \u039c\u03bf\u03bd\u03b1\u03b4\u03b9\u03ba\u03ae \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2 (UMR)<\/strong><\/h3>\n<p>\u0397 \u039c\u03bf\u03bd\u03b1\u03b4\u03b9\u03ba\u03ae \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2 (UMR) \u03b5\u03af\u03bd\u03b1\u03b9 \u03ad\u03bd\u03b1 \u03c0\u03b5\u03b4\u03af\u03bf \u03b5\u03bb\u03b5\u03cd\u03b8\u03b5\u03c1\u03bf\u03c5 \u03ba\u03b5\u03b9\u03bc\u03ad\u03bd\u03bf\u03c5 \u03ad\u03c9\u03c2 35 \u03c7\u03b1\u03c1\u03b1\u03ba\u03c4\u03ae\u03c1\u03c9\u03bd, \u03c4\u03bf \u03bf\u03c0\u03bf\u03af\u03bf \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c4\u03bf \u03af\u03b4\u03b9\u03bf \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03c0\u03c1\u03ce\u03c4\u03b7 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae \u03ac\u03bc\u03b5\u03c3\u03b7\u03c2 \u03c7\u03c1\u03ad\u03c9\u03c3\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03b3\u03b9\u03b1 \u03ba\u03ac\u03b8\u03b5 \u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03b7 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae \u03ac\u03bc\u03b5\u03c3\u03b7\u03c2 \u03c7\u03c1\u03ad\u03c9\u03c3\u03b7\u03c2. \u0395\u03ac\u03bd \u03b7 UMR \u03b4\u03b5\u03bd \u03bc\u03c0\u03bf\u03c1\u03b5\u03af \u03bd\u03b1 \u03c0\u03b1\u03c1\u03b1\u03c3\u03c7\u03b5\u03b8\u03b5\u03af \u03c3\u03c4\u03bf \u03ad\u03bd\u03c4\u03c5\u03c0\u03bf \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2 \u03c0\u03c1\u03b9\u03bd \u03bf \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7\u03c2 \u03c5\u03c0\u03bf\u03b3\u03c1\u03ac\u03c8\u03b5\u03b9 \u03c4\u03b7\u03bd \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae, \u03c4\u03cc\u03c4\u03b5 \u03b7 UMR \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03c0\u03b1\u03c1\u03b1\u03c3\u03c7\u03b5\u03b8\u03b5\u03af \u03be\u03b5\u03c7\u03c9\u03c1\u03b9\u03c3\u03c4\u03ac \u03c3\u03c4\u03bf\u03bd \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7 \u03c0\u03c1\u03b9\u03bd \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03c0\u03c1\u03ce\u03c4\u03b7 \u03b5\u03af\u03c3\u03c0\u03c1\u03b1\u03be\u03b7. <\/p>\n","protected":false},"excerpt":{"rendered":"\u03a3\u03c5\u03bd\u03ae\u03b8\u03c9\u03c2, \u03c3\u03c4\u03bf \u03b5\u03c0\u03ac\u03bd\u03c9 \u03c4\u03bc\u03ae\u03bc\u03b1 \u03bc\u03b9\u03b1\u03c2 \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2 \u03ac\u03bc\u03b5\u03c3\u03b7\u03c2 \u03c7\u03c1\u03ad\u03c9\u03c3\u03b7\u03c2, \u03cc\u03c0\u03c9\u03c2 \u03b1\u03c5\u03c4\u03cc \u03c4\u03bf \u03c0\u03b1\u03c1\u03ac\u03b4\u03b5\u03b9\u03b3\u03bc\u03b1 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd Digital Sales, \u03b8\u03b1 \u03b4\u03b5\u03af\u03c4\u03b5 \u03ad\u03bd\u03b1 \u03c0\u03b5\u03b4\u03af\u03bf \u03bc\u03b5 \u03c4\u03af\u03c4\u03bb\u03bf, \u039c\u03bf\u03bd\u03b1\u03b4\u03b9\u03ba\u03ae \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2 (UMR). \u0397 \u03ba\u03b1\u03c4\u03b1\u03c7\u03ce\u03c1\u03b7\u03c3\u03b7 \u03c7\u03c1\u03b7\u03c3\u03b9\u03bc\u03bf\u03c0\u03bf\u03b9\u03b5\u03af\u03c4\u03b1\u03b9 \u03c9\u03c2 \u03b5\u03c3\u03c9\u03c4\u03b5\u03c1\u03b9\u03ba\u03ae \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac \u03b3\u03b9\u03b1 \u03c4\u03bf\u03bd \u03bf\u03c6\u03b5\u03b9\u03bb\u03ad\u03c4\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b1\u03bd\u03b1\u03b3\u03bd\u03ce\u03c1\u03b9\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03b1\u03bd\u03c4\u03b9\u03c3\u03c4\u03bf\u03af\u03c7\u03b9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2, \u03c4\u03bf \u03c0\u03b5\u03b4\u03af\u03bf \u03c3\u03c5\u03bc\u03c0\u03bb\u03b7\u03c1\u03ce\u03bd\u03b5\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03c4\u03bf\u03bd \u03b1\u03c0\u03bf\u03b4\u03ad\u03ba\u03c4\u03b7 \u03c4\u03b7\u03c2 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae\u03c2 (\u03c4\u03b7\u03bd \u03b5\u03c4\u03b1\u03b9\u03c1\u03b5\u03af\u03b1 \u03ac\u03bc\u03b5\u03c3\u03b7\u03c2 \u03c7\u03c1\u03ad\u03c9\u03c3\u03b7\u03c2, [&hellip;]","protected":false},"author":2,"featured_media":20297,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[189,176],"tags":[],"class_list":["post-20258","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sepa-el","category-176"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u039c\u03bf\u03bd\u03b1\u03b4\u03b9\u03ba\u03ae \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac \u03b5\u03bd\u03c4\u03bf\u03bb\u03ae\u03c2 (UMR) \u03b3\u03b9\u03b1 \u03ac\u03bc\u03b5\u03c3\u03b5\u03c2 \u03c7\u03c1\u03b5\u03ce\u03c3\u03b5\u03b9\u03c2 SEPA<\/title>\n<meta name=\"description\" content=\"\u039c\u03bf\u03bd\u03b1\u03b4\u03b9\u03ba\u03ae 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