Storing and archiving signed mandates

The location for storing and archiving mandates depends on the signature mode:
  • Signature by SMS

    By default, mandates are signed by entering a code received by SMS.

    The mandate benefits from a legally binding archiving. The payment gateway is responsible for transmitting the signed mandate for storing and archiving in the electronic safe of the Deposit and Consignment Office.

    In case of consignment, this signature serves as guarantee that no changes have been made to the mandate by a third party. The Deposit and Consignment Office provides lines of evidence that cannot be challenged or objected.

  • Signature by e-mail

    The mandate is signed via a code received by e-mail. Legally binding archiving is also applied within this signature mode.

    If you wish, you can disable the mandate signature by SMS or by e-mail. For this, please contact sales administration.

  • Signature using a checkbox

    The mandate is signed by ticking the checkbox “By checking this box, you agree that you have read and understood the details of this mandate and that you append your signature to it”.

    The payment gateway is responsible for storing and archiving the signed mandate.

    The creditor (merchant) also has the possibility to store and archive mandates. However, in this case, the merchant will need to import the UMRs of mandates to the gateway in order to make direct debit requests (by form or by file).