Replace paper-based direct debit mandates with a fully digital SEPA mandate backed by strong customer authentication — IBAN and account holder are verified simultaneously.
Use Case · Payments
Issue the mandate, verify the account, in one step
Built for: Real Estate · Energy Providers · Telecommunications · Insurance · NGOs · Mobility & Subscription Services
- Mandate & IBAN Verification in One Step
- Strong Customer Authentication (2FA)
- Full Legal Compliance
- Available Across Europe
About This Solution
Paper mandates create friction: forms never get returned, incorrect IBANs lead to failed direct debits, and in a chargeback dispute, proof of consent is often missing. The FINcredible SEPA eMandate solves this by combining mandate signing and IBAN verification into a single digital step — right at the point of contract, with no break in the process.
Not just a digital form — real account verification
Unlike a simple digital signature, the customer authenticates directly with their own bank via 2FA. The bank account is verified at the same time — the result: a verified IBAN, a confirmed account holder, and a legally compliant mandate in one step.
Full legal compliance for chargeback disputes
Documented consent with a timestamp, 2FA proof, and a verified bank account — the strongest possible protection if a payer disputes a direct debit within the SEPA reclaim period.
How FINcredible Works? Technology and infrastructure for secure digital financial, identity and verification processes.
Ready to Secure Your Business. Contact Us Today & Scale Your Growth
Questions
How can I set up a SEPA direct debit mandate online?
With the FINcredible SEPA eMandate, the mandate is issued entirely online: the customer opens a mandate link, selects their bank, and confirms the mandate through strong customer authentication (2FA) with their own bank — no paper form, no mail required.
What's the difference between a SEPA eMandate and a digitally signed mandate?
Many digital solutions rely on an electronic signature (such as a QES), where a document is signed digitally. The FINcredible SEPA eMandate works differently: the account holder authenticates directly with their bank via 2FA, which verifies the IBAN and account holder at the same time — mandate signing and account verification happen in one step instead of two separate processes.
Is a digitally issued SEPA mandate legally valid?
The requirements for a legally valid SEPA mandate depend on the contractual agreement between the payment recipient and their payment service provider; in the event of a dispute, the payment recipient must be able to prove the direct debit was authorized. Strong customer authentication via the payer’s own bank provides a documented proof of consent, including a timestamp and 2FA evidence. For a binding legal assessment in your specific case, we recommend confirming the requirements with your own payment service provider.
What happens in the event of a SEPA chargeback, and how long can a payer dispute it?
A payer can revoke a SEPA direct debit within 8 weeks, or up to 13 months in the case of an unauthorized transaction. The burden of proof for a valid mandate lies with the payment recipient — the FINcredible eMandate provides complete documented evidence, including a verified bank account.
Why does simultaneous IBAN verification matter for a SEPA mandate?
Incorrectly entered IBANs are among the most common causes of failed direct debits. Because the FINcredible eMandate retrieves the IBAN directly via the bank’s Open Banking interface, manual entry — the most common source of error — is eliminated entirely.
How is the SEPA eMandate integrated into existing systems?
Via a REST API into existing onboarding, ERP, or CRM systems, or directly through the WebApp with no development effort required — the mandate link is sent by email, SMS, or QR code.
How long does it take to issue a SEPA direct debit mandate digitally?
The entire process — opening the link, selecting a bank, logging in with familiar credentials, and confirming the mandate — typically takes end customers within one minute, with no app download required.
Testimonials
See what our clients say about working with us.
5/5
“FINcredible demonstrates what responsible handling of user data protection can look like. For the founders, data privacy is a top priority.”
Philipp Kinsky, Partner, HERBST KINSKY Rechtsanwälte GmbH
5/5
“FINcredible has an enormously strong team. With their product ‘FINcredible MietCheck’ and their focused market approach, this FinTech company has extraordinary potential.”
Patrick Pöschl, Chairman, Fintech Austria
5/5
“ImmoScout24 continuously improves its service for property seekers. The partnership with FINcredible for creditworthiness checks helps future tenants present themselves competently and credibly to landlords, while protecting their data far better than has traditionally been common practice.”
Markus Dejmek, Austria Country Manager, ImmoScout24
5/5
“Currently, willhaben lists more than 20,000 rental apartments and over 1,300 houses for rent. Once someone has found their dream property with us, they often have very little time to stand out against other prospective tenants. That’s why we’re glad to have FINcredible as a partner at our side, making the property search even easier for our users while placing just as much value on security and data protection as we do.”
Judith Kössner, Head of Real Estate, willhaben
5/5
“We wanted to close the gap between modern property management and well-founded tenant decisions. With FINcredible, we’re integrating a solution that creates transparency and supports owners in one of the most important decisions in the rental process.”
Laurens Pohl, CEO, ImmoAssist
5/5
“Our goal is to make financing as simple as possible, without losing sight of responsibility or reliability.”
Herbert Hirscher, CEO, Mercedes-Benz Financial Services Austria
5/5
“With this modern solution, which we are initially testing in the Diocese of St. Pölten and then plan to roll out across Austria, we are creating a win-win situation: more efficient processes for us, the highest security for our donors, and an active contribution to environmental protection.”
Christoph Riedl, Secretary General, Caritas St. Pölten
Ready to collect SEPA direct debit mandates GDPR-compliant with simultaneous IBAN verification?
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