In order to make payments through the direct debit system, a payee must agree to use this collection system and sign a contract with the payer establishing the terms and conditions for direct debit collection. The debtor must give the creditor a direct debit mandate in order for the latter to execute direct debits from the payer’s designated account through its payment service provider. The payer’s payment service provider must also agree to perform direct debits, by entering with the payer into a payment services contract that includes direct debits. The contract establishes the rights and obligations of both parties regarding the payment of direct debits.