One Direct Debit Mandate Solution for the Entire SEPA Zone
Looking for the most cost-effective way to collect recurring invoices and subscriptions?
With a valid SEPA Direct Debit mandate, you can automate collections, improve cash flow, and reduce payment delays. Customers authorize direct debits online in just a few clicks, no paperwork, no manual processing.
Choose your bank
More than 1,500+ clients worldwide, 100+ million transactions annually
Trusted by organizations across Europe and the GCC.
Simple for your customers. Efficient for your business. Secure, compliant, and built for recurring payments across Europe.
Watch VideoWhy Choose
Digital Mandates?
Direct debit is one of the simplest and most reliable ways to collect recurring payments. With digital mandates, your customers can authorize payments online in just a few clicks, quickly, securely, and without paperwork.
Get Paid Faster
Improve collection success rates, reduce late payments, and strengthen cash flow predictability.
Cut Costs & Admin
Eliminate paper forms, manual processing, and physical storage costs with a fully digital process.
Minimize Risk
Reduce fraud, disputes, chargebacks, and data-entry errors through secure digital authorization.
Stay Compliant
Use legally valid mandates that comply with SEPA and eIDAS requirements and stand up to scrutiny.
Legal Validity & Compliance
A Mandate That
Stands Up In Court
Not all online authorizations are legally equivalent.
An internet checkbox or only a €0.01 verification payment does not create a fully compliant SEPA Direct Debit mandate. In the event of a dispute, these methods will not provide sufficient legal certainty, and are not accepted by banks as a valid proof.
Both methods provide a legally valid mandate and are as simple as making an online payment. Together, they ensure complete SEPA-wide coverage, allowing customers to authorize direct debits from virtually any bank account in Europe.
eMandate
Authorization directly within the customer's online banking environment. As simple as an online payment, legally valid and bank-verified.
Green Mandate
authorization through a secure online signing process that complies with both the SEPA DD Rulebook and European eIDAS eSigning regulations.
How it works?
Create A Mandate
In Three Steps
Customers select their bank and authorize the mandate in a few clicks. Bluem then delivers the completed eMandate or Green Mandate automatically.
The Customer Selects His Bank
If his bank supports eMandate, the authorization is completed within his online banking environment.
If not, they are automatically guided through the Green Mandate flow.
The Mandate Is Confirmed
The customer completes the authorization in just a few clicks.
The Signed Mandate Is Delivered Automatically
Your organization instantly receives the completed eMandate or
Green Mandate.
The Universal Digital
SEPA Direct Debit Mandate
One secure platform to automate CORE and B2B mandate authorizations across all European banks. Built for scale, legal compliance, and a seamless customer experience.
Universal Bank Coverage
Works with all SEPA banks, not just those supporting eMandate. No gaps in coverage across Europe.
Legally Compliant
Meets SEPA DD Rulebook and eIDAS eSigning requirements with verifiable proof of consent and full audit trails.
Fully Digital Process
No paper forms or manual processing. Customers authorize payments online in just a few clicks.
CORE & B2B Support
Supports both consumer and business mandates with appropriate identity verification levels.
Powered by Bluem
SEPA-Wide Direct Debit Authorization
One Solution For Every SEPA Bank
Say goodbye to paperwork, invalid grey mandates, fraud risks, and unnecessary chargebacks.
Choose a secure, legally compliant, and universally accepted direct debit authorization solution that works with virtually every bank account in the SEPA zone.
Bluem's unique Green Mandate, combined with eMandate, provides complete coverage across the SEPA zone. Developed by Bluem and open to the entire European payments market, Green Mandate fills a critical gap in digital mandate collection and is an essential solution for both SEPA Core and SEPA B2B Direct Debits.
Keep Existing Mandates. Focus on New Business.
There's no need to replace your existing direct debit mandates. Simply keep them in place and use digital mandates for new opportunities.
Whether you're onboarding new customers or updating customers with a new bank account, requesting a new mandate is quick and effortless. Send a digital authorization request, and your customer approves it in just a few clicks through their own banking environment.
Built for Organizations
of Every Size
Digital Direct Debit Mandates are available for companies of all sizes: from small organizations to high-volume enterprises.
Start with no cost. Pay €0.45 per authorization, with no archiving fees. Send via Dashboard, uploads, plugins, or API.
Grow with reliable direct debit. Bluem manages mandates from authorization through storage across banks.
Transparent Pricing
Start Collecting With
A Valid Digital Mandate
Invite customers by link, let them authorize securely through their own bank or Green Mandate, and manage every mandate from the Bluem Dashboard.
eMandate authorization
€0.45 / per authorization link
No setup friction
Works across multiple channels
Dashboard reporting included
Price shown excluding volume discounts.
Final pricing depends on your setup and transaction volume.