A different word for Digital Direct Debit Authorisation is eMandate or e-Mandate. This is a new way to issue a direct debit authorisation online via your bank.
As yet, the direct electronic manner of issuing authorisations is supported only in the Netherlands by the banks themselves. If the Merchant states in the eMandates dashboard (issued by his main bank) that the integraton will take place via Buckaroo, a very fast integration is possible. There are two available types of Digital direct debit authorisations:
Note: if the Core is used for a business authorisation, reversal of payment is possible up to 56 days.
Note: if the B2B is used for a business authorisation, reversal of payment is not possible.
Note with regard to status: When a Merchant decides to apply for a B2C eMandate on a business account, the pending status of the result can run up to a maximum of one week. So if the status for a B2C eMandate is pending for over 30 minutes, it is almost definitely an eMandate request on a business account, which requires more than one signature.
Buckaroo is an accredited party appointed by Currence in the list of Mandate Service Providers. As a Mandate Service Provider, Buckaroo is able to generate eMandates. These eMandates serve as a substitute for the wet signature which up until now was the only legal way of authorisation. The Stichting Derde Gelden of Buckaroo can process these eMandates for all Merchants who process the authorisations via Buckaroo Collecting. It is also possible to let the issuing of the authorisations be handled in a processing manner (on your own link). In that case, Buckaroo will take care of the connection with the banks to generate the eMandates on the subscription that the Merchant has for this purpose at the bank. The direct debits then also have to be executed via the account held in the name of the Merchant. The adjacent figure shows which information is necessary for these two eMandates methods.
PayWithEmandate is an additional service for SEPA Direct Debit processing developed by Buckaroo. The Merchant does not have to save privacy-sensitive payment data, such as BIC, IBAN and the name of the account holder. The service can be managed by means of tokenization. This also makes it easy to let Buckaroo perform updates of the payment data (IBAN switching service) without disrupting the future SEPA Direct Debit payent requests: requesting a modification of the existing eMandate will suffice. Based on the mandate reference, Buckaroo manages the latest version of those payment data in its secured databases. The direct debit data from the successful eMandate are added automatically to the message that is sent to the bank. This working method applies to both processing and collecting SEPA Direct Debits.
When an e-mandate is requested from Buckaroo, a redirect link is returned. This link has different timeout times:
|Type of e-mandate link request||Vallid until||Opmerking|
|Without bank identifier||undefined||Hosted page of Buckaroo will be used|
|With bank identifier||15 minutes||Debtor will be redirected to own bank environment|
Note: For the B2B e-mandate, the second signature must be provided in the bank package of the house bank of the debtor. It can take up to 1 week before an e-mandate is completed.
A mandate reference can be provided when applying for an e-Mandate. If this is not included, Buckaroo generates it itself. The data obtained in a successful e-Mandate interaction is stored by Buckaroo in the mandate reference record.
It is possible to offer an e-mandate at Buckaroo without the choice of the bank. The response that comes back is a URL to a page where the bank choice can be made by the person who wants to issue the digital direct debit authorization. The URL has an unlimited validity and can therefore be added to an email sent by the Merchant. It can also be prepared in a "my" environment. The pre-registered data is shown on the page pointed to by the URL:
In the following cases, the use of the Buckaroo intermediate page is a good addition:
The URL link has an unlimited validity. This enables the Merchant to share this URL with the debtor by e-mail or another digital medium. The link can only be used once to come to a valid e-Mandate. If the first attempt fails, a new link needs to be provided.
For a B2B e-Mandate it is possible to withdraw an e-Mandate. The banks offer a separate message flow for this. This message can be sent to the various banks via Buckaroo. In this case, it is sufficient to state the mandate reference as an identifier and the fact that it must be withdrawn. The reason for the option to withdraw from a B2B e-Mandate is because cancellation is not possible on a Debtor initiative. The funds that are collected with a SEPA Direct Debit with an e-Mandate can only be reclaimed through legal proceedings.
It is not possible to withdraw a B2C e-Mandate. As an alternative, the banks offer a blocking list. This list is part of the consumer's banking environment and can block an individual mandate as well as a complete collector. This means that a mandate previously provided with an e-Mandate can still end up in a reject (cancellation) on the initiative of the bank. The reason that the withdrawal of an e-Mandate is not supported by the banks is related to the right to cancel within 8 weeks. Even after an e-Mandate has been issued, it remains possible for consumers to reverse the funds.
Various terms are used interchangeably within the SEPA Direct Debit product. Therefore below an explanation and a drawing:
Mandatory for all mandates as well as electronic and traditional signatures