Manually signing an agreement: Core vs B2B
Tags:ondertekenensignsigningmandaatmandatemachtigingcoreb2bincassouitnodigenmanualmanueelhandtekeningnatte handtekeningwet signatureemachtigingincassomachtigingnetherlandsnederlandrabobank cash managementinside businessaccess onlinepaperpapiermark as signedsign datesignature datehandtekeningdatum
Although Twikey is built for electronic signing, a manual signing process may be necessary when a customer does not have an eID or when their bank does not support electronic mandate registration. The available options depend on the agreement type.
Already have the signed document back from your customer? You don't need this article — see the "How to mark an agreement as signed" article instead. Keep reading if you still need to send or collect the paper signature first.
Core mandates
For Core mandates, only the merchant can initiate a manual signing process. The customer cannot choose to sign manually themselves during the signing process.
You can send an invite to sign manually via the Print tab in the invite screen:
- Download and sign yourself — Download the PDF, print it, and have the customer sign it directly (for example at your agency).
- Send invite by email — Send the customer an email with a link to download, sign, and return the document.
- Send letter — Send the invitation letter via postal delivery.
- Send Letter (incl. Mandate) — Send both the cover letter and the mandate document via post.
Once you receive the signed document back, mark it as signed in your environment. See How to mark an agreement as signed.
For Core mandates, bank registration is rarely required. Once you mark the agreement as signed, it is ready to use for direct debits.
B2B mandates
For B2B mandates, the merchant can send an invite to sign manually using the same methods as above. In addition, you can allow the customer to choose to sign manually themselves during the signing process, by enabling the On paper option in the profile settings.
B2B mandates must be registered at the bank by your customer, even when signed manually. The customer must visit their bank or complete the registration via their banking app. Without bank registration, the mandate cannot be used for direct debits.
When you mark a B2B mandate as signed, double-check the signature date. Some banks (most often seen with Dutch banks, occasionally Belgian ones) reject the collection if the signature date registered with Twikey doesn't match the date the customer registered at their bank. See the "How to mark an agreement as signed" article for how to set it correctly.
For full details — including how to enable the customer-facing option and how to process returned documents — see How to sign and register a B2B mandate on paper.
Bank support for electronic signing (Netherlands)
In the Netherlands, electronic mandate signing uses the eMachtiging protocol. Not all banks support this — customers at unsupported banks must sign manually instead.
| Bank | B2B | Core |
|---|
| ING | Electronic | Electronic |
| ABN AMRO | Electronic | Electronic |
| Rabobank | Electronic | Electronic |
| BUNQ | Manual required | Not supported |
| KNAB | Manual required | Electronic |
| SNS Bank | Manual required | Electronic |
| ASN Bank | Manual required | Electronic |
| RegioBank | Manual required | Electronic |
| Triodos | Manual required | Electronic |
For ING Bank Inside Business Payments, ABN AMRO Access Online and Rabobank Cash Management, electronic eMachtiging signing is not available for B2B. Manual signing is required in these environments.
BUNQ uses a dedicated signing flow with a specific document template, but this is still a manual process requiring a physical signature. BUNQ does not support electronic Core mandate signing through Twikey.
Last Update: 2026-10-15
