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Re:Can the Visa-Mastercard duopoly be broken? by nephanth on Thursday August 18, 2022 @12:05PM (#32511483)
Note that, at least in France, you can't do a SEPA direct debit with only the account number.

You need a SEPA dd "mandate" which is a (paper or electronic) document account owner asks their bank for, containing a unique identifier

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