eMandates
Receive online mandates from your clients
eMandates let you receive mandates from your clients through your website in a way that's both secure and legally valid. This makes paper mandates a thing of the past, saving you a lot of paperwork.
You can fully embed eMandates in your online sales process, which makes it very easy for your clients to issue an eMandate.
How eMandates work
Clients paying on your website select the option 'Incassomachtigen via uw bank' (Direct debit mandate through your bank) and select their own bank. They are then taken to their own bank’s familiar online banking environment. All the mandate data you have provided behind the scenes in the correct format is automatically displayed. Your client then selects which account the mandate needs to be issued for, and approves and sends the eMandate. You receive the eMandate almost immediately once your client has sent it.
Your client's bank has already verified that your client is authorised to make payments from the account they have issued the mandate for.
- If your client uses a direct debit approval list (also known as a direct debit whitelist), the list is automatically updated when an eMandate is issued.
- If your client has set up a direct debit block, the block is automatically modified when an eMandate is issued.
- If you use the SEPA business-to-business direct debit, the mandate is automatically registered with your client's bank, and you will no longer receive rejected direct debit instructions because the mandate details have already been registered.
Getting started with eMandates
To start using eMandates, you need to take out a SEPA direct debit contract with us with the eMandates option. Alternatively, you can have eMandates added to your existing SEPA direct debit contract. In the SEPA direct debit contract, we specify which variant of the eMandates you will be using.
Choosing the right variant
We offer you two eMandate variants, which differ in terms of the technical steps you need to take. Read on for information about which variant is right for you.
Both variants give you access to the ABN AMRO eMandates dashboard, which provides information about the status of all digital mandate requests you have sent.
Variants of the eMandate
Own Build
If you want to fully integrate eMandates into your systems, the Own Build variant is right for you. You download the technical specifications and use them to make the necessary technical adjustments yourself. Bear in mind that you will need enough technical knowledge and time for this variant. The estimated lead time is three months. You will need that time to build the eMandate functionality and integrate it into your own systems, including the systems for creating direct debit batches. The estimated time to connect to ABN AMRO eMandates is 5 to 20 working days. This includes testing.
- Download the technical implementation guide (website in Dutch, documents available in English). This technical documentation explains how to integrate eMandates into your website according to your preferences. You create the XML messages yourself, build an interface with ABN AMRO eMandates and take care of the integration with your own systems.
- To make it easier to link eMandates and your systems, software libraries are available in .NET Framework (4.5 or higher), .NET Core (2.2 or higher), Java (SE 7 or higher) and PHP (5.5 or higher).
You must do the following:
- Provide a 'mandate reference' with each request for a new, changed, or cancelled mandate.
- Register the details of the successfully issued, changed or cancelled eMandate in your mandate registration system. You will receive these details in a pain.012 message. You are required to keep the digital mandate for 14 months after executing the final direct debit transaction.
- Include your client's digital signature (validation reference) in the direct debit instruction. The validation reference is in the pain.012 message. More information on this is given in the ABN AMRO Addendum for SEPA direct debit batches.
External service provider
An external service provider can take care of your connection to ABN AMRO eMandates. You outsource the technical connection to a Mandate Service Provider (MSP) of your choice. In consultation with the MSP, you decide how to arrange the integration of eMandates in your systems.
Make sure you are able to do the following:
- Provide a 'mandate reference' with each request for a new, changed, or cancelled mandate.
- Register the details of the successfully issued, changed or cancelled eMandate in your mandate registration system. You will receive these details from the MSP.
- Include your client's digital signature (validation reference) in the direct debit instruction. You will receive the digital signature from the MSP. More information on this is given in the ABN AMRO Addendum for SEPA direct debit batches. You are required to keep the digital mandate for 14 months after executing the final direct debit transaction.
The estimated time to connect to ABN AMRO eMandates is 1 working day. This does not include the time needed for your own activities and those of the MSP.
We work together with the following Mandate Service Providers:
AcceptEmail B.V.
Alphacomm Outbound Solutions
Bluem B.V.
Buckaroo B.V.
Lodder Software B.V.
OneLinQ B.V.
PayIBAN B.V.
Postex Nederland B.V.
Stichting Studielin
Stiply B.V.
TalosLabs B.V
Twikey
Unifiedpost
Payments S.A
Vreugd Software
ABN AMRO implementation guide
Want to know more about how to get started with eMandates? You will find all the steps to follow in the ABN AMRO eMandates implementation guide.