Why Custodita
Paper SEPA mandates are a problem. Custodita is the solution, even for the ones you already have.
The problem with paper mandates
They get lost
Paper mandates get misplaced, damaged or filed where nobody can find them when the bank requests them.
They're slow
Sending, signing, scanning and filing a paper mandate can take days or weeks.
They contain errors
Misspelled IBANs, illegible signatures, blank fields. Every error means a returned payment.
No traceability
No record of who signed, when, or evidence that the debtor saw the mandate before signing.
Manual collections
Preparing collection files by hand is tedious and error-prone. One wrong IBAN means a returned payment.
How Custodita solves it
Fully digital
No paper or filing cabinets. Import your existing mandates from CSV, attach scans and request digital signatures from your clients to leave paper behind.
Signed in minutes
The debtor receives a link, reviews and signs from their phone. No trips, no waiting.
Automatic validation
IBAN validated with MOD-97, required fields verified. Zero data errors.
Complete traceability
Every action recorded with IP, timestamp and SHA-256 hash. Meets the most demanding audit requirements.
Automated SEPA remittances
Generate pain.008 XML files in one click. Upload the bank response and reconcile automatically.
