This functional limitation in Dynamics 365 Finance regarding Direct Debit Mandates (SEPA) is causing significant operational, financial, and compliance issues for companies working with multiple company bank accounts under the same creditor identifier (Direct Debit ID). Today, D365 Finance forces the mandate to be linked to a single company bank account, even when the creditor identifier (Direct Debit ID) is the same across all company bank accounts. As a result, customers must sign multiple mandates, and users must manually select the correct mandate depending on which company bank account is used for settlement.This behavior is not aligned with SEPA standards, where one mandate per customer per creditor should be sufficient—regardless of how many bank accounts the creditor uses.This limitation impacts organizations that operate with multiple bank accounts due to treasury optimization, discount lines, credit facilities, or multi-bank strategies. The consequences include:Additional administrative effort. Companies must manage and store 2–10× more mandates per customer depending on the number of bank accounts used.Manual errors in mandate selection. Risks increases in high volume payment environments. This process is critical for many business and companies.Slower onboarding, Take longer to create a customer. Time to create a mandate increases 2–10× per customer depending on the number of bank accounts used.Inefficiency in collections. Finance teams spend significant time validating which mandate applies to each transaction.