To be allowed to collect from your customers, you need a valid authorisation. This is an agreement from your customer giving you permission to collect the agreed amount within the agreed period. That is why the authorisation must meet a number of rules. You can use a standard authorisation form(traffic light card) or create an authorisation form yourself.
"}},{"componentType":"sectionTitle","title":"Sample authorisation form"},{"componentType":"paragraph","richBody":{"value":"To quickly and easily start with direct debit collection, the standard authorisation form, also known as the traffic light card, is ideal. This SEPA form meets all rules and is ready for use. You can download the authorisation form here.
"},"textLinks":[{"url":"https://assets.ing.com/m/fccac2f4e68d6241/original/stoplichtenkaart.pdf","text":"Download sample authorisation form"}]},{"componentType":"sectionTitle","title":"Creating your own authorisation form"},{"componentType":"paragraph","richBody":{"value":"You can also choose to create your own mandate design based on the rules on this page. The advantage is that you can adjust the form to your own company both in terms of content and appearance. Read below which elements must in any case be included on the mandate form.
"}},{"componentType":"accordion","accordionList":[{"title":"1. The details of your company","richBody":{"value":"The mandate form must include at least your company name including your full address with town or city and country.
"}},{"title":"2. The details of the person who issues the mandate","richBody":{"value":"The details of the person who issues the mandate:
The IBAN account number of the person issuing the mandate
Place and date of the signature
The signature of the person issuing the mandate (iDIN signing is also valid)
Do not forget:
State for a foreign bank the BIC or SWIFT code of the debtor’s bank
State the address including the town or city and the country if the debtor is outside the European Economic Area (EEA)
The consent text must in any case state that the mandate giver gives you and his bank permission to collect amounts from his account.
In addition the text must contain information about the right of refund and the corresponding refund period for the debtor.
Consult the regulations for the mandatory consent text in the step by step plan of Betaalvereniging Nederland, or download the standard mandate form.
For a recurring mandate:
State that it concerns a recurring mandate
Also state the refund period
For a one off mandate:
State that it concerns a one off mandate
Also state the refund period
You can use the same reference (Mandate ID) only once.
Note: for a mandate for a Business Direct Debit Contract it must be explicitly stated that the payer does not have a right of refund.
"}},{"componentType":"sectionTitle","title":"Frequently asked questions about mandate forms."},{"componentType":"accordion","accordionList":[{"title":"What must a SEPA mandate comply with?","richBody":{"value":"A SEPA mandate must contain the following information::
SEPA logo or the text “SEPA”
Mandate reference (mandate ID) to be completed by the creditor. The mandate reference is a unique number. For a one off direct debit you may use this reference only once.
Text by which the debtor authorises both the creditor and his own bank to collect from his bank account.
Name address and country of the creditor
Creditor ID
IBAN of the debtor
BIC of the debtor’s bank (only required for a foreign bank)
Name address and country of the debtor
Place and date of signing
Signature of the debtor
For a recurring mandate:
- statement that it is a recurring mandate,
- refund period and explanation
For a one off mandate:
- statement that it is a one off mandate,
- refund period and explanation
- a mandate reference may be used only once
For a mandate for a Business European direct debit it must be explicitly stated that the payer does not have a right to reversal refund.
"}}]},{"componentType":"linkList","iconTitle":{"icon":{"transformBaseUrl":"https://assets.ing.com/transform/e2274273-96dc-48a1-9c2c-17f9311aed5e/Feedback-Light_Bulb_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/6c2465a2e1603f5f/original/Feedback-Light_Bulb_Outline.svg","extension":"svg"},"title":"Also interesting for you"},"textLinks":[{"url":"/en/business/accepting-payments/incasso/direct-debit-contract","text":"Apply for a direct debit contract"},{"url":"/en/business/accepting-payments/incasso/direct-debit-authorisation","text":"Arrange direct debit mandates"},{"url":"/en/business/accepting-payments/incasso/direct-debit-authorisation/direct-debit-mandates","text":"Paper mandate?"},{"url":"/en/business/accepting-payments/incasso","text":"Everything about Direct Debit"}]}]}}}