Signing mechanisms

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• Best Practices for Creating a Mandate

This article describes each signing mechanism available in Twikey. As the signing mechanism may impact your costs, these can only be activated by us — request the ones you need from your Customer Onboarding agent.

E-Machtiging (Only NL) (also Called DIM or Digitaal Incassomachtigen)

• e-Machtiging is an electronic authorization system for direct debits in the Netherlands. It simplifies mandate creation by verifying through the users' bank login.
• Countries: Netherlands.
• Reliability: High. e-Machtiging is reliable for recurring payments and is widely accepted in the Netherlands due to its integration with local banks. It guarantees the IBAN, identifies the signer, checks if the account can be used for direct debits, registers the mandate at bank side and delivers for B2B mandates also the maximum amount identified by the end-user.
• For more info, see Digitaal Incassomachtigen

iDIN (Only NL)

• iDIN is an identification and signing method offered by Dutch banks, similar to eID and itsme in Belgium. It authenticates users for secure online signing.
• Countries: Netherlands.
• Reliability: High. iDIN is as secure as eID, and since it's managed through banks, it provides a high level of trust and reliability.

itsme

• Itsme is a digital identity app used for secure login and signing, leveraging mobile phones for identity verification.
• Countries: Belgium, Luxembourg and the Netherlands.
• Reliability: High. Itsme offers secure mobile-based authentication, making it a convenient and reliable signing option, especially for users familiar with digital identity verification.

eID (only BE)

• eID allows users to sign using their national electronic identity card, which provides a high-security level by verifying both identity and intent to sign.
• Countries: Belgium.
• Reliability: Very high. Since it requires a PIN and a physical card reader, this method is highly reliable and widely trusted for legal agreements.

Bancontact Pay (first payment)

• Bancontact Pay allows signing with an initial payment in Belgium, linking the mandate to the payment confirmation.
• Countries: Belgium.
• Reliability: High. Bancontact Pay is the preferred payment method in Belgium. It provides the IBAN and ensures end-user identification during the signature process. It's also perfect to have a real first payment in a subscription.

iDEAL | Wero (first payment)

• iDEAL | Wero enables signing through a bank transfer for the initial payment. Common in the Netherlands, it links the mandate with a verified payment.
• Countries: Netherlands.
• Reliability: High. Since iDEAL | Wero is widely used and highly secure. It provides the IBAN and ensures end-user identification during the signature process. It's also perfect to have a real first payment in a subscription.

PayPal (first Payment)

• Using PayPal as a signing method involves making an initial payment through PayPal to confirm both the mandate agreement and payment authorization. This approach leverages PayPal's trusted online payment system, adding an extra layer of security through account verification.
• Countries: Available across many countries globally, including Belgium, Netherlands, and SEPA regions.
• Reliability: Moderate to High. PayPal is widely trusted for online transactions, making it a reliable option for mandates. However, it might not hold the same legal weight as local methods like eID or bank-linked signing mechanisms. It's useful for customers familiar with PayPal and international clients who prefer PayPal's convenience.
• Best For: Recurring payments where users can rely on PayPal's secure, widely recognized system without needing a separate verification process. Ideal for international use.
• Important: PayPal is only available as a signing method on Credit Card type profiles. It is not supported on direct debit profiles (CORE, B2B, BACS).

Bankcard signing (Debit Visa, Debit Mastercard, Visa, Mastercard)

• Users can sign a mandate using their Debit Visa, Debit Mastercard, Visa and Mastercard card, which is widely used for debit payments or credit payments. Maestro as "brandname" will be replaced by Debit Mastercard.
• Countries: Belgium, Netherlands, and other SEPA countries.
• Reliability: Moderate to High. Debit Mastercard and Visa, Visa and Mastercard are suitable for signing mandates, but it may not offer the same level of identification such as itsme, eID or iDIN. It guarantees that the end-user possesses their bank card and has access to their bank account. The mandate is approved by the end-user using Face ID, a PIN, a Digipass, a fingerprint, or another bank validation method. While it does not share the account holder's name, it meets the strict requirements for generating signatures and ensuring strong customer authentication.

Sms

• SMS verification allows users to confirm their identity and sign a mandate by entering a code sent via SMS. It adds an extra layer of security by requiring phone access. In a second use case, SMS is used in a dialogue with the end-customer in a challenge response session.
• Countries: Belgium, Netherlands, and other SEPA countries.
• Reliability: Moderate. While convenient and commonly used, it's less secure than eID, itsme or a bankcard. It's suitable for straightforward agreements but may lack the robustness needed for high-value contracts.

Wet signature

• A wet signature is a signature drawn by hand with a mouse or finger, directly on screen during the online signing flow — not a printed and scanned document. It's the traditional signing method, widely recognized for its legal enforceability.
• Countries: Available and legally recognized across Belgium, Netherlands, SEPA, and most countries globally.
• Reliability: Medium. While legally valid and widely accepted, wet signatures may not offer the same level of identification or security as digital signing methods like eID or itsme.
• Best For: Situations where other electronic signing methods are unavailable or not legally enforceable, or where a concrete, hand-drawn signature is expected as proof of intent.

Open Banking Check

• As part of the fraud module, the Open Banking Check signature can be used. The person signs the agreement via their own bank, providing one-time access to live bank data. Based on your pre-defined rules (e.g. the signer must be a private individual, have a balance over €100, or at least 50 transactions), the agreement will either be approved for signature or automatically declined.

In the signing methods of your profile, this method is shown as Open Banking (Account Information).

Note: You will not see any bank details - only whether the signature was successful or the reason it was rejected, based on your configured rules.

• Countries: Available in SEPA countries, for banks that support SEPA and have at least 1 connected bank available
• Reliability: High - data comes directly from the customer's bank via Open Banking Check
• Best For: Companies needing automated, real-time fraud prevention and a secure digital signing process
• Profiles: available on CORE Direct Debit profiles only. It cannot be used on B2B, BACS or credit card profiles.
• Languages: the consent text and the bank selection screen are shown in your customer's own language.

See Fraud rules settings for how the check works step by step, what your customer sees, and what to prepare before activation.

• Related articles:
• Published profiles
• General settings
• Emails settings and variables
• SMS settings
• Options settings
• Fraud rules settings