# Mandate Setup

Mandates are a prerequisite for direct debit funding and can be considered as a power of attorney. With a mandate, an end user or business entity authorises Upvest to collect payments on their 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.

## How mandate creation works

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

- **Personal details of the user or business**
You can obtain this information, including full name and address by calling
**GET** [`/users/{user_id}`](/api/users/retrieve_user)
**GET** [`/businesses/{business_id}`](/api/businesses/retrieve_business).
- **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, they must explicitly authorise Upvest to collect money on their 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 frontend of your applications in the form of a checkbox in which the user confirms the verification of the mandate.