# Mandate Setup

Mandates are a prerequisite for direct debit funding and can be considered as a power of attorney. With a mandate, a user authorises Upvest to collect payments on his behalf.

In the EU, the mandate is created in accordance with the **SEPA Core Regulation** standard.

**Coming soon**

Further direct debit methods will follow for non-EU countries.

Soon, your users will also be able to top up their [cash balance](/products/byol/guides/payments/cash_balances/cash_balances_intro) with additional funding methods such as credit transfers.

## How mandate creation works

Before a mandate creation request can be initiated, the mandate details must be presented for the user to review. The mandate information that should be present includes:

- **Personal datails of the user**
You can obtain this information, including full name and address by calling
**GET** [`/users/{user_id}`](/api/users/retrieve_user).
- **Creditor (Upvest) information**
This information will be provided to you during your onboarding process.


After the end user has verified the content of the mandate, he/she must explicitly authorise Upvest to collect money on his/her behalf.

The responsibility for the validity of a mandate lies with you, the client. The authorisation is therefore handled by you; it can be granted, for example, in the front-end of your applications in the form of a checkbox in which the user confirms the verification of the mandate.