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# Emandate

eMandate is a digital authorization process that allows businesses to collect recurring payments directly from a customer’s bank account. It eliminates the need for physical forms, providing a faster, more secure, and paperless way to set up standing instructions.

### Benefits of eMandate

* **Seamless Payments** – Automates recurring collections (subscriptions, installments, bills).
* **Paperless & Secure** – Fully online, no physical paperwork required.
* **Customer Convenience** – Customers can authorize with their bank account in real-time.
* **Reduced Failures** – Ensures timely debits, reducing missed or late payments.

### How eMandate Works

1. **Initiate Request**
   * The business sends an eMandate request to the customer.
2. **Customer Authentication**
   * The customer logs in to their online banking and approves the mandate.
3. **Mandate Registration**
   * The bank registers the mandate and confirms it back to the business.
4. **Recurring Payments**
   * Payments are collected automatically on the agreed schedule.

### Example Use Cases

* Subscriptions (SaaS, media, gyms, etc.)
* Utility and telecom bills
* Membership renewals

### Frequency Settings

Merchants can enable one or more frequency options for mandates:

* **Daily Frequency** – Customers are charged daily at specified intervals.
* **Weekly Frequency** – Customers are charged weekly on selected weeks.
* **Monthly Frequency** – Customers are charged monthly on chosen months.
* **Yearly Frequency** – Customers are charged yearly at defined intervals.

You can also set multiple values (e.g., `3, 6, 9, 12`) or use `999` to indicate **no limit**.

{% hint style="info" %}
This flexibility allows businesses to tailor recurring billing schedules to customer agreements, ensuring smoother payment automation.
{% endhint %}

<figure><img src="/files/hbrwssfJJERvc5ceMSBd" alt=""><figcaption></figcaption></figure>


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