{"id":20262,"date":"2025-10-21T14:55:38","date_gmt":"2025-10-21T14:55:38","guid":{"rendered":"https:\/\/www.sepaxmlgenerator.com\/blog\/referencia-unica-de-mandato-umr-para-adeudos-directos-sepa\/"},"modified":"2025-10-21T16:04:47","modified_gmt":"2025-10-21T16:04:47","slug":"referencia-unica-de-mandato-umr-para-adeudos-directos-sepa","status":"publish","type":"post","link":"https:\/\/www.sepaxmlgenerator.com\/es\/blog\/referencia-unica-de-mandato-umr-para-adeudos-directos-sepa\/","title":{"rendered":"Referencia \u00fanica de mandato (UMR) para adeudos directos SEPA"},"content":{"rendered":"<p>Normalmente, en la parte superior de un Mandato de Adeudo Directo, como en este ejemplo de Digital Sales, ver\u00e1s un campo titulado Referencia \u00danica de Mandato (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=\"Referencia \u00fanica de mandato\" 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>La entrada se utiliza como referencia interna para que el deudor identifique y haga coincidir el mandato, el campo lo rellena el receptor del pago (la empresa de domiciliaci\u00f3n bancaria, en este ejemplo Digital Sales), no el deudor.<\/p>\n<p>Esencialmente, una Referencia \u00danica de Mandato es una referencia \u00fanica que identifica cada Mandato de Adeudo Directo firmado por el Deudor para un Acreedor determinado, conocido como identificador de mandato en la transacci\u00f3n de Adeudo Directo SEPA. Algo as\u00ed como un n\u00famero de cliente en un paquete contable. La <strong>Referencia \u00danica de Mandato (UM<\/strong>R) la proporciona el acreedor  <\/p>\n<p>Existen algunas estipulaciones a la hora de asignar una Referencia \u00danica de Mandato (UMR). Si no se respetan, el archivo ser\u00e1 rechazado por tu banco. <\/p>\n<h2><strong>Estipulaciones para un n\u00famero de Referencia \u00danica de Mandato (UMR)<\/strong><\/h2>\n<ul>\n<li>Este c\u00f3digo lo genera el receptor del pago<\/li>\n<li>Debe ser \u00fanico<\/li>\n<li>El c\u00f3digo es un campo de texto libre de hasta 35 caracteres<\/li>\n<li>Debe estar en un Fichero de Adeudos Directos SEPA xml<\/li>\n<li>Esta UMR debe permanecer constante durante la vigencia del mandato y debe cotizarse en cada recogida.<\/li>\n<\/ul>\n<h2><strong>Designar una Referencia \u00danica de Mandato (UMR) &#8211; 5 Directrices relativas a los caracteres<\/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; + (Estos caracteres tambi\u00e9n son v\u00e1lidos, pero no deben insertarse como primer o \u00faltimo car\u00e1cter en ning\u00fan campo) &#8211; simplemente es mejor evitarlos por completo<\/em><\/p>\n<p><em>Espacio Los caracteres fuera de este conjunto de caracteres no se admitir\u00e1n en el esquema SEPA, por ejemplo @, \u00e1, \u00dc.<\/em><\/p>\n<h3><strong>Funcionalidad de Referencia \u00danica de Mandato (UMR) en el GENERADOR XML SEPA<\/strong><\/h3>\n<p>Dentro de <a href=\"https:\/\/www.sepaxmlgenerator.com\/es\/\" target=\"_blank\" rel=\"noopener\">la GENERACI\u00d3N XML SEPA<\/a> hay dos m\u00e9todos para a\u00f1adir una Referencia \u00danica de Mandato (UMR) mediante una carga csv o manualmente. Consulta el archivo adjunto <a href=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2025\/10\/sample_customers_aib_debit_transfer_UMR.csv\" target=\"_blank\" rel=\"noopener\">aqu\u00ed<\/a> y tambi\u00e9n m\u00e1s abajo cuando a\u00f1adas un cliente manualmente. <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=\"Referencia de Mandato \u00danico - SEPA XML GENERATOR - formato 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-20262 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\/es\/blog\/referencia-unica-de-mandato-umr-para-adeudos-directos-sepa\/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\/es\/blog\/referencia-unica-de-mandato-umr-para-adeudos-directos-sepa\/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>Resumen, Referencia \u00danica de Mandato (UMR)<\/strong><\/h3>\n<p>La Referencia \u00danica de Mandato (UMR) es un campo de texto libre de hasta 35 caracteres que debe ser el mismo para el primer pago domiciliado y para cada pago domiciliado posterior. Si el UMR no puede facilitarse en el formulario de mandato antes de que el cliente firme el mandato, entonces el UMR debe facilitarse por separado al cliente antes del primer cobro. <\/p>\n","protected":false},"excerpt":{"rendered":"Normalmente, en la parte superior de un Mandato de Adeudo Directo, como en este ejemplo de Digital Sales, ver\u00e1s un campo titulado Referencia \u00danica de Mandato (UMR). La entrada se utiliza como referencia interna para que el deudor identifique y haga coincidir el mandato, el campo lo rellena el receptor del pago (la empresa de [&hellip;]","protected":false},"author":2,"featured_media":20301,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[316,237],"tags":[],"class_list":["post-20262","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sepa-es","category-software-de-domiciliacion-bancaria"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Referencia \u00fanica de mandato (UMR) para adeudos directos SEPA<\/title>\n<meta name=\"description\" content=\"Referencia de Mandato \u00danico (UMR) para Adeudos Directos SEPA, estipulaciones y directrices del GENERADOR XML SEPA\" \/>\n<meta name=\"robots\" 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