What I'm saying that direct debit (the ability to authorize a merchant to draw money from your account repeatedly at a later date, for example to settle a month

What I'm saying that direct debit (the ability to authorize a merchant to draw money from your account repeatedly at a later date, for example to settle a monthly bill, comparable to giving them your credit card number) is a different payment workflow than a SEPA money transfer (initiated by the consumer), which would be presumably be used for an internet settlement protocol.