{"id":20264,"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-debitos-diretos-sepa\/"},"modified":"2025-10-21T16:04:46","modified_gmt":"2025-10-21T16:04:46","slug":"referencia-unica-de-mandato-umr-para-debitos-diretos-sepa","status":"publish","type":"post","link":"https:\/\/www.sepaxmlgenerator.com\/pt\/blog\/referencia-unica-de-mandato-umr-para-debitos-diretos-sepa\/","title":{"rendered":"Refer\u00eancia \u00danica de Mandato (UMR) para D\u00e9bitos Diretos SEPA"},"content":{"rendered":"<p>Normalmente, na sec\u00e7\u00e3o superior de um Mandato de D\u00e9bito Direto, como este exemplo das Vendas Digitais, ver\u00e1s um campo intitulado Refer\u00eancia \u00danica do 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=\"Refer\u00eancia \u00fanica do 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>O campo \u00e9 preenchido pelo destinat\u00e1rio do pagamento (a empresa de D\u00e9bito Direto, neste exemplo, a Digital Sales) e n\u00e3o pelo devedor.<\/p>\n<p>Essencialmente, uma Refer\u00eancia \u00danica de Mandato \u00e9 uma refer\u00eancia \u00fanica que identifica cada Mandato de D\u00e9bito Direto assinado pelo Devedor para um determinado Credor, conhecido como identificador de mandato na transa\u00e7\u00e3o de D\u00e9bito Direto SEPA. \u00c9 um pouco como o n\u00famero de cliente num pacote de contabilidade. A <strong>Refer\u00eancia \u00danica de Mandato (<\/strong>UMR) \u00e9 fornecida pelo credor  <\/p>\n<p>Existem algumas condi\u00e7\u00f5es para a atribui\u00e7\u00e3o de uma Unique Mandate Reference (UMR). Se estas n\u00e3o forem cumpridas, o ficheiro ser\u00e1 rejeitado pelo teu banco. <\/p>\n<h2><strong>Estipula\u00e7\u00f5es para um n\u00famero de Refer\u00eancia \u00danica do Mandato (UMR)<\/strong><\/h2>\n<ul>\n<li>Este c\u00f3digo \u00e9 gerado pelo destinat\u00e1rio do pagamento<\/li>\n<li>Deve ser \u00fanico<\/li>\n<li>O c\u00f3digo \u00e9 um campo de texto livre com um m\u00e1ximo de 35 caracteres<\/li>\n<li>Deve constar de um ficheiro de d\u00e9bito direto SEPA xml<\/li>\n<li>Esta UMR deve manter-se constante durante o per\u00edodo de vig\u00eancia do mandato e deve ser mencionada em todas as recolhas.<\/li>\n<\/ul>\n<h2><strong>Designar uma refer\u00eancia \u00fanica de mandato (UMR) &#8211; 5 Orienta\u00e7\u00f5es relativas aos 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; + (Estes caracteres tamb\u00e9m s\u00e3o v\u00e1lidos, mas n\u00e3o devem ser inseridos como primeiro ou \u00faltimo car\u00e1cter em qualquer campo) &#8211; simplesmente \u00e9 melhor evitar completamente estes caracteres<\/em><\/p>\n<p><em>Espa\u00e7o Os caracteres fora deste conjunto de caracteres n\u00e3o ser\u00e3o suportados no esquema SEPA, por exemplo, @, \u00e1, \u00dc.<\/em><\/p>\n<h3><strong>Funcionalidade de refer\u00eancia \u00fanica de mandato (UMR) no SEPA XML GENERATOR<\/strong><\/h3>\n<p>No <a href=\"https:\/\/www.sepaxmlgenerator.com\/pt\/\" target=\"_blank\" rel=\"noopener\">SEPA XML GENERATION<\/a> existem dois m\u00e9todos para adicionar uma Unique Mandate Reference (UMR) \u00fanica atrav\u00e9s de um upload csv ou manualmente. V\u00ea o ficheiro anexado <a href=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2025\/10\/sample_customers_aib_debit_transfer_UMR.csv\" target=\"_blank\" rel=\"noopener\">aqui<\/a> e tamb\u00e9m abaixo quando adicionares um 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=\"Refer\u00eancia \u00fanica do mandato - 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-20264 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\/pt\/blog\/referencia-unica-de-mandato-umr-para-debitos-diretos-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\/pt\/blog\/referencia-unica-de-mandato-umr-para-debitos-diretos-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>Resumo, Refer\u00eancia \u00danica do Mandato (UMR)<\/strong><\/h3>\n<p>A refer\u00eancia \u00fanica do mandato (UMR) \u00e9 um campo de texto livre com um m\u00e1ximo de 35 caracteres que deve ser o mesmo para o primeiro pagamento por d\u00e9bito direto e para cada pagamento por d\u00e9bito direto subsequente. Se a UMR n\u00e3o puder ser fornecida no formul\u00e1rio de mandato antes de o cliente assinar o mandato, ent\u00e3o a UMR deve ser fornecida separadamente ao cliente antes da primeira cobran\u00e7a. <\/p>\n","protected":false},"excerpt":{"rendered":"Normalmente, na sec\u00e7\u00e3o superior de um Mandato de D\u00e9bito Direto, como este exemplo das Vendas Digitais, ver\u00e1s um campo intitulado Refer\u00eancia \u00danica do Mandato (UMR). O campo \u00e9 preenchido pelo destinat\u00e1rio do pagamento (a empresa de D\u00e9bito Direto, neste exemplo, a Digital Sales) e n\u00e3o pelo devedor. Essencialmente, uma Refer\u00eancia \u00danica de Mandato \u00e9 uma [&hellip;]","protected":false},"author":2,"featured_media":20300,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[405,395],"tags":[],"class_list":["post-20264","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sepa-pt","category-software-de-debito-directo-pt"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refer\u00eancia \u00danica de Mandato (UMR) para D\u00e9bitos Diretos SEPA<\/title>\n<meta name=\"description\" content=\"Refer\u00eancia \u00danica de Mandato (UMR) para D\u00e9bitos Diretos SEPA, estipula\u00e7\u00f5es e orienta\u00e7\u00f5es do SEPA XML GENERATOR\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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