{"id":20256,"date":"2025-10-21T14:55:38","date_gmt":"2025-10-21T14:55:38","guid":{"rendered":"https:\/\/www.sepaxmlgenerator.com\/blog\/reference-unique-du-mandat-umr-pour-les-prelevements-sepa\/"},"modified":"2025-10-21T16:04:35","modified_gmt":"2025-10-21T16:04:35","slug":"reference-unique-du-mandat-umr-pour-les-prelevements-sepa","status":"publish","type":"post","link":"https:\/\/www.sepaxmlgenerator.com\/fr\/blog\/reference-unique-du-mandat-umr-pour-les-prelevements-sepa\/","title":{"rendered":"R\u00e9f\u00e9rence unique du mandat (UMR) pour les pr\u00e9l\u00e8vements SEPA"},"content":{"rendered":"<p>En g\u00e9n\u00e9ral, dans la partie sup\u00e9rieure d&rsquo;un mandat de pr\u00e9l\u00e8vement, comme dans cet exemple de Digital Sales, vous verrez un champ intitul\u00e9 \u00ab\u00a0R\u00e9f\u00e9rence unique du mandat\u00a0\u00bb (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=\"R\u00e9f\u00e9rence unique du mandat\" 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>L&rsquo;entr\u00e9e est utilis\u00e9e comme r\u00e9f\u00e9rence interne pour le d\u00e9biteur afin d&rsquo;identifier et de faire correspondre le mandat, le champ est rempli par le destinataire du paiement (la soci\u00e9t\u00e9 de domiciliation, dans cet exemple Digital Sales), et non par le d\u00e9biteur.<\/p>\n<p>Essentiellement, une r\u00e9f\u00e9rence de mandat unique est une r\u00e9f\u00e9rence unique qui identifie chaque mandat de pr\u00e9l\u00e8vement sign\u00e9 par le d\u00e9biteur pour un cr\u00e9ancier donn\u00e9, connu sous le nom d&rsquo;identifiant de mandat sur la transaction de pr\u00e9l\u00e8vement SEPA. C&rsquo;est un peu comme un num\u00e9ro de client sur un logiciel de comptabilit\u00e9. La <strong>r\u00e9f\u00e9rence unique du mandat (<\/strong>UMR <strong>)<\/strong>est fournie par le cr\u00e9ancier.  <\/p>\n<p>L&rsquo;attribution d&rsquo;une R\u00e9f\u00e9rence Unique de Mandat (RUM) est soumise \u00e0 quelques conditions. Si ces conditions ne sont pas respect\u00e9es, le fichier sera rejet\u00e9 par votre banque. <\/p>\n<h2><strong>Stipulations pour un num\u00e9ro de r\u00e9f\u00e9rence unique de mandat (UMR)<\/strong><\/h2>\n<ul>\n<li>Ce code est g\u00e9n\u00e9r\u00e9 par le b\u00e9n\u00e9ficiaire du paiement<\/li>\n<li>Il doit \u00eatre unique<\/li>\n<li>Le code est un champ de texte libre de 35 caract\u00e8res maximum.<\/li>\n<li>Il doit s&rsquo;agir d&rsquo;un fichier de pr\u00e9l\u00e8vement SEPA xml.<\/li>\n<li>Ce TMU doit rester constant pendant toute la dur\u00e9e du mandat et doit \u00eatre mentionn\u00e9 sur chaque collecte.<\/li>\n<\/ul>\n<h2><strong>D\u00e9signation d&rsquo;une r\u00e9f\u00e9rence de mandat unique (UMR) &#8211; 5 Lignes directrices concernant les caract\u00e8res<\/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; ? : ( ) . , &lsquo; + (ces caract\u00e8res sont \u00e9galement valables mais ne doivent pas \u00eatre ins\u00e9r\u00e9s comme premier ou dernier caract\u00e8re dans un champ) &#8211; il est pr\u00e9f\u00e9rable d&rsquo;\u00e9viter compl\u00e8tement ces caract\u00e8res.<\/em><\/p>\n<p><em>Espace Les caract\u00e8res en dehors de ce jeu de caract\u00e8res ne seront pas pris en charge dans le sch\u00e9ma SEPA, par exemple @, \u00e1, \u00dc.<\/em><\/p>\n<h3><strong>Fonctionnalit\u00e9 de la r\u00e9f\u00e9rence unique de mandat (UMR) au sein du SEPA XML GENERATOR<\/strong><\/h3>\n<p>Dans <a href=\"https:\/\/www.sepaxmlgenerator.com\/fr\/\" target=\"_blank\" rel=\"noopener\">SEPA XML GENERATION<\/a>, il existe deux m\u00e9thodes pour ajouter une r\u00e9f\u00e9rence unique de mandat (UMR) via un t\u00e9l\u00e9chargement csv ou manuellement. Voir le fichier joint <a href=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2025\/10\/sample_customers_aib_debit_transfer_UMR.csv\" target=\"_blank\" rel=\"noopener\">ici<\/a> et \u00e9galement ci-dessous pour l&rsquo;ajout manuel d&rsquo;un client. <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=\"R\u00e9f\u00e9rence unique du mandat - SEPA XML GENERATOR - format 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-20256 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\/fr\/blog\/reference-unique-du-mandat-umr-pour-les-prelevements-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\/fr\/blog\/reference-unique-du-mandat-umr-pour-les-prelevements-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>R\u00e9sum\u00e9, R\u00e9f\u00e9rence unique du mandat (RUM)<\/strong><\/h3>\n<p>La r\u00e9f\u00e9rence unique du mandat (RUM) est un champ de texte libre de 35 caract\u00e8res maximum qui doit \u00eatre identique pour le premier paiement par pr\u00e9l\u00e8vement automatique et pour chaque paiement par pr\u00e9l\u00e8vement automatique ult\u00e9rieur. Si l&rsquo;UMR ne peut pas \u00eatre fournie sur le formulaire de mandat avant que le client ne signe le mandat, l&rsquo;UMR doit \u00eatre fournie s\u00e9par\u00e9ment au client avant le premier pr\u00e9l\u00e8vement. <\/p>\n","protected":false},"excerpt":{"rendered":"En g\u00e9n\u00e9ral, dans la partie sup\u00e9rieure d&rsquo;un mandat de pr\u00e9l\u00e8vement, comme dans cet exemple de Digital Sales, vous verrez un champ intitul\u00e9 \u00ab\u00a0R\u00e9f\u00e9rence unique du mandat\u00a0\u00bb (UMR). L&rsquo;entr\u00e9e est utilis\u00e9e comme r\u00e9f\u00e9rence interne pour le d\u00e9biteur afin d&rsquo;identifier et de faire correspondre le mandat, le champ est rempli par le destinataire du paiement (la soci\u00e9t\u00e9 [&hellip;]","protected":false},"author":2,"featured_media":20295,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[59,80],"tags":[],"class_list":["post-20256","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-logiciel-de-prelevement-automatique","category-sepa-fr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>R\u00e9f\u00e9rence unique du mandat (UMR) pour les pr\u00e9l\u00e8vements SEPA<\/title>\n<meta name=\"description\" content=\"R\u00e9f\u00e9rence unique du mandat (UMR) pour le pr\u00e9l\u00e8vement SEPA, stipulations et lignes directrices de SEPA XML GENERATOR\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sepaxmlgenerator.com\/fr\/blog\/reference-unique-du-mandat-umr-pour-les-prelevements-sepa\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"R\u00e9f\u00e9rence unique du mandat (UMR) pour les pr\u00e9l\u00e8vements SEPA\" \/>\n<meta property=\"og:description\" content=\"R\u00e9f\u00e9rence unique du mandat (UMR) pour le pr\u00e9l\u00e8vement SEPA, stipulations et lignes directrices de SEPA XML GENERATOR\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.sepaxmlgenerator.com\/fr\/blog\/reference-unique-du-mandat-umr-pour-les-prelevements-sepa\/\" \/>\n<meta property=\"og:site_name\" content=\"SEPA XML GENERATOR\" \/>\n<meta property=\"article:published_time\" 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