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FinDock e-mandates

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FinDock e-mandates is in pilot. If you would like to participate in the pilot, please contact FinDock Support.

FinDock e-mandates is an optional paid feature that enables organizations to leverage the growing popularity of electronic identification (eID).

For many payment methods, payer authorization requires an explicit signature from the payer. Through the e-mandate service, FinDock offers a simple, seamless process for creating and storing digitally signed electronic mandates (e-mandates).

Availability

What counts as a legally binding eID varies from country to country, and payment method to payment method.

Currently, the FinDock e-mandate feature supports Autogiro direct debit payments in Sweden where the eID for online mandate signup uses the payer’s BankID app for verification.

Pre-requisites

  • FinDock contract includes the e-mandate feature
  • FinDock with the FinDock for Sweden fully configured
  • A Bankgirot contract allowing online mandate signup

How the e-mandate service works​

The e-mandate service can be initiated for direct debit payments accepted online through Giving Pages or a custom front-end integrated to the Payment API.

FinDock e-mandate flow

  • Step 1 - When a new payment is set up, FinDock creates a mandate for the one-time installment or recurring payment and sets the status to Pending signature while the online signature process proceeds.
  • Step 2 - The payer is redirected to the FinDock e-mandate service and prompted to sign the mandate with the BankID app.
  • Step 3 - The payer uses the BankID app to digitally sign the mandate. (This can be done on the same device or another device by scanning a QR code.)
  • Step 4 & 5 - FinDock generates and stores a digitally signed PDF of the payer’s authorization on a Mandate record and sets the record status to Pending registration.

Mandates with status Pending registration are picked up by the next mandate schedule run and sent to Bankgirot for registration. Once the mandate schedule is completed and the records sent to Bankgirot for registration, the mandate status is changed to Pending registration acceptance.

When FinDock receives confirmation of the registration, the mandate status is set to Success and the record is marked as active (Is Active set to true). At this point, payments against the mandate can be collected.

Configure e-mandate service​

Signed mandates are needed for both one-time and recurring Autogiro payments. Once the e-mandate feature is activated, you will get additional fields on the Target configuration. These additional fields are required to be able to present and create a fully compliant, signed mandate.

Special testing considerations​

When testing the e-mandate service, you should use a target that has the isTest setting enabled. In addition, you need to set up a special test variant of the BankID app.

To set up a BankID app for testing:

  1. Download the BankID security app from your respective mobile app store.
  2. Configure the app to use the BankID testing environment as instructed here.
  3. Create a test account according to the test BankID instructions, using the "order personal code" option to register.

Once the test app is configured, you can start testing e-mandates, for example, by setting up a Giving Page as described in the next section.

E-mandate service with Giving Pages​

For orgs with FinDock for Sweden and the e-mandate feature activated, e-mandates are a built-in step for new Autogiro payments made through Giving Pages.

When configuring the Payment Form component of a Giving Page, you see as part of the payment methods configuration an additional required parameter for the Autogiro method with FinDock as processor. The appDevice parameter allows payers to choose to use the BankID app on their current device or another device for completing the digital signature.

Autogiro payment method parameters

E-mandate service via Payment API​

For custom front-end integrations to the Payment API, it is important to ensure the paymentIntent message includes all required parameters for Autogiro. If FinDock e-mandates are used, this means including the required appDevice parameter amongst others (see above).

Mandate archiving​

Autogiro mandates need to be archived and available to payers on request as outlined in the Bankgirot user manual. The digitally signed PDFs stored on Mandate records in Salesforce can service as your archive if data retention and access policies permit.