What is Digitaal Incassomachtigen (incassomachtigen)?

Digitaal incassomachtigen (also called eMachtigen) is the Dutch method for customers to digitally authorize Direct Debit mandates through their own bank's online banking environment. Unlike paper mandates or simple online checkboxes, Digitaal incassomachtigen is the only legally valid way to create a digital Direct Debit mandate in the Netherlands, as it can only be established within the secure banking environment.

How to apply for Digitaal Incassomachtigen

Before you can use Digitaal Incassomachtigen in Twikey, you need two things from your bank:

1. A direct debit contract (incassocontract) with your bank.
2. A Digital (Business) European Direct Debit creditor contract — this is a separate contract specifically for digital mandate signing.

To apply, follow the step-by-step process provided by your bank. You can find the application page on your bank's website:

• ABN AMRO — abnamro.nl — Digitaal incassomachtigen
• Rabobank — rabobank.nl — Digitaal incassomachtigen
• ING — ing.nl — Incassomachtigen
• BNP Paribas — bnpparibas.nl
• Deutsche Bank — db.com/netherlands

The average processing time is a few days to about a week.

Activate Digitaal Incassomachtigen in Twikey

Once your bank has processed the application, you receive a MerchantID. This MerchantID must be configured in your Twikey environment before you can start using Digitaal Incassomachtigen.

1. Send your MerchantID to support@twikey.com.
2. Twikey support configures the MerchantID in your environment.
3. After confirmation from Twikey support, Digitaal Incassomachtigen is active and you can start inviting customers to sign B2B mandates digitally.

Supported banks and signing methods

The table below shows which signing methods are supported by each Dutch bank:

Legend:

• ✓ = Supported
• – = Not supported

¹ ING & ABN AMRO limitations:

• ING Bank Inside Business Payments and ABN AMRO Access Online do not support digital eMachtiging signing. Customers using these platforms must complete the eMachtiging on paper.

² Bunq specifics

Bunq uses a different signing process compared to other banks.

• Customer prints and signs the PDF sent by mail.
• Upload it in Twikey or mail it back.
• Must also approve the first collection in the Bunq app.

Knab specifics

More info soon

The bank does not support Digitaal Incassomachtigen

In this case a default paper document is used and needs to be delivered and processed by the bank.