ediverse

Type to search across standards, messages, tools and glossary.

ediverse Explore the platform

Spotlight PEPPOL BIS Billing 3.0 The EU e-invoicing mandate is here — France Sept 2026, Belgium Jan 2026, Germany 2025.

— 01

Foundations

— 02

Standards

— 03

Flagship messages

— 04

Tools

X12 282 — Direct Debit Authorization

The 282 transmits a direct debit authorization from a debtor to a creditor (insurer, utility, subscription) for an ACH recurring mandate.

Purpose

The 282 documents the debtor's signed authorization allowing the creditor to automatically debit their bank account at a defined frequency. It carries debtor identity, routing+account number, creditor, frequency, maximum or variable amount.

It serves as the authority of record for future debits via NACHA ACH (US). Acknowledged by 997. The debits themselves circulate via NACHA files, not via X12.

Envelope structure

The 282 travels within the three X12 envelope levels (ISA/IEA, GS/GE with functional group DD, and ST/SE). Didactic example in release 004010:

x12 example-282.x12 
ISA*00*          *00*          *ZZ*LIFECARRIER   *ZZ*BANKPARTNER   *260515*1600*U*00401*000000282*0*P*>~
GS*DD*LIFECARRIER*BANKPARTNER*20260515*1600*1*X*004010~
ST*282*0001~
BGN*00*DDA-2026-0099*20260515~
NM1*PE*1*SMITH*JOHN*A***34*SSN-LAST4-5678~
N1*BY*ACME LIFE INSURANCE*24*EIN-CARRIER~
REF*ZZ*ROUTING-NUMBER-021000021~
REF*ZZ*ACCOUNT-LAST4-9876~
AMT*N1*150.00~
DTM*090*20260601~
MSG*FREQUENCY-MONTHLY~
SE*10*0001~
GE*1*1~
IEA*1*000000282~

Common segments

  • Header — ST, BGN.
  • Debtor — NM1*PE (Payee — beneficial holder of the account being debited).
  • Creditor — N1*BY (Buyer / creditor).
  • Account — REF*ZZ (routing number), REF*ZZ (account last 4 — full number must be encrypted separately).
  • Mandate — AMT*N1 (amount or cap), DTM*090 (start date), MSG (frequency).
  • Summary — SE.

Common pitfalls

  • Account number in clear: a full account number in REF violates NACHA and PCI-adjacent rules; always truncate or use a token.
  • Revocation: a mandate revocation must be reversible via a 282 cancel — without cancel, debits continue until manual backout.
  • Bank routing validation: an invalid ABA routing number breaks the debit on first attempt — validate against the Fedwire ABA registry before issuing.

Documentation

The code 282 and the name Direct Debit Authorization are public and listed on x12.org/products/transaction-sets. The complete structure of loops, qualifiers and code lists is distributed by DISA via the proprietary Implementation Guides (TR3). ediverse.io covers only public concepts, the envelope and didactic examples.