Independently of the outcome of the debate about the long term justification for an interchange fee – the European Commission would accept an interim solution. Interim solution means that banks can start with the financial conditions for direct debits in use now – in some markets without interchange fee, in some markets with an interchange fee.
More generally, the guidance regarding the SEPA direct debit interchange fee aims at ensuring a  BIS Review 107/2008  1  level-playing field between the SDD and the national direct debits and at providing an incentive for banks to go ahead with the migration.