Overview
An e-mandate in Stiply combines a digital signature with SEPA direct debit authorization, making contract and payment sequencing faster and more secure.
1. What is an e-mandate?
A digital SEPA direct debit authorization (e-mandate) allows you to:
- Process both signing and payment authorization in a single step.
- Eliminate manual collection of bank details.
2. Key Benefits
- Fully digital process: No paper forms, everything is completed online.
- Shorter chargeback window: For B2C, reduced from 13 months to 8 weeks.
- No B2B chargeback risk: Business mandates are protected from reversal.
- Instant bank registration: Mandate data is sent directly to the bank.
- Accurate account details: Eliminates manual entry errors.
- Higher debit success rate: Improved reliability on first attempt.
3.How to set E-mandates up in Stiply
- Go to your Account Settings and navigate to the E-mandate tab.
- Fill in all the required fields and verify your bank details
- If everything is correct you'll see a message confirming that it is set up succesfully
Keep in mind that you first need to have this product activated at your bank and Stiply has to be mentioned as the Mandate Service Provider.
4. How it works in Stiply
- Create a sign request for your contract or agreement.
- Enable the e-mandate (direct debit authorization) option.
- Send the request—recipient signs and sets up SEPA mandate simultaneously.
- Stiply forwards mandate information directly to their bank.
4. Use Cases
- Subscription agreements requiring immediate debit authorization.
- Service contracts with recurring payments.
- Streamlined sign-and-pay workflows for faster customer onboarding.
Important Notes
- This functionality enables both legal e-signatures and valid SEPA mandate in one process.
- B2C mandates have a shorter reversal window (8 weeks), while B2B mandates carry no chargeback risk.
- e-Mandate data is registered immediately with the bank for accuracy and efficiency