A digital mandate flow should not stop at the bank selection page
A digital direct debit journey can run smoothly until the moment a customer selects a bank outside standard eMandate coverage. That is where friction starts. A process that should stay digital suddenly needs a fallback. More explanation, more handling, less consistency. From May 1, Green Mandate is automatically included in our eMandate service to solve exactly that issue.
What Green Mandate is
Green Mandate is the additional digital mandate flow within our eMandate service for customers whose bank is not part of the standard eMandate bank selection. In practice, the customer chooses Other bank on the bank selection page and continues through the Green Mandate flow. This makes it possible to complete a digital, legally valid SEPA Direct Debit CORE mandate within the same service. Green Mandate is therefore not a separate product and it does not replace eMandate. It extends the existing eMandate service for CORE mandates where the standard bank-supported route ends.
Why it is needed
Our eMandate service already offers a strong digital route for SEPA Direct Debit authorization. The issue is not the service itself, but the fact that support among Dutch banks remains limited. That matters more now than it did before. More customers bank with neobanks or foreign banks, and more merchants serve customers across borders. At the same time, there is no broadly available pan-European equivalent that offers one consistent eMandate flow across the full SEPA area. The result is simple: merchants can offer a smooth digital mandate journey to some customers, but not always to all of them.
What changes on May 1
The practical change is straightforward. On the bank selection page, an extra option appears: Other bank. Customers outside the standard eMandate bank set can select it and continue through the Green Mandate flow. For merchants already using our eMandate service, the core setup stays familiar. The service works the same way, but now reaches more customers. That is what makes this launch valuable. It removes a real limitation without introducing a separate service model.
What this means for merchants
Green Mandate helps make digital mandate handling more consistent. Instead of one customer staying in a clean digital flow while another falls into an exception process, more customers can now follow the same digital route. That reduces friction at the point of authorization and helps create a smoother journey from onboarding to collection. In practice, that means:
- fewer fallback situations
- less operational variation
- a more consistent customer experience
- better scalability for direct debit
Built for how merchants work today
Customer journeys are no longer limited to a small domestic bank landscape. Businesses grow across borders, customers bank more widely, and digital onboarding is expected to work without interruption. Green Mandate responds to that reality. It builds on the strength of the eMandate service already in place and extends it in a practical way for today’s market.
Live from May 1
From May 1, Green Mandate is automatically included in our eMandate service for CORE mandates. That means more customers across the SEPA area can complete a digital, legally valid CORE mandate within one trusted service, even when they bank outside the standard Dutch eMandate set.
