How it works
Four simple steps to manage SEPA mandates digitally.
1
Create the mandate
Enter the debtor's details and mandate information. Custodita automatically generates the unique reference (UMR) and prepares the document.
2
Send the signing link
The debtor receives a secure link to review and sign the mandate from any device.
3
The debtor signs
Digital signature with IP, user agent and timestamp capture. A SHA-256 hash is generated to guarantee document integrity.
4
Manage the lifecycle
Record usage, renew expiring mandates, modify IBANs and maintain a complete audit trail.
5
Generate the remittance
Group active mandates into a remittance, set amounts and generate the pain.008 XML file for your bank.
6
Reconcile with the bank
Upload the bank response (pain.002) and Custodita automatically updates the status of each debit.
