This refers to a payment arrangement where the payor (e.g., I) gives formal permission to a payee (e.g., electric utility) to draft their monthly bill from the payor's checking account or charge it to a payee's credit card. This would make the most sense in the HR context if the transaction is the direct deposit of salaries or wages, or possibly billing of customers for which this consulting firm would offer training for the accounting department personnel. The SEPA standards for this are quite new, so highlighting the ability to offer training for it in a varied list of offerings is worthwhile.