Create an e-mandate

Creating an e-mandate registers your customer's details and returns the link where they verify their account and sign. The e-mandate starts in draft and becomes active once signed.

1. Send the request

Call POST /v1/e-mandates with an E-Mandate access token.

curl -X POST "https://api.sandbox.fintecture.com/v1/e-mandates?redirect_uri=https://www.my-shop.com/mandate/return&state=order-1234" \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -H "Accept: application/json" \
  -d '{
    "meta": {
      "authentication_methods": ["bank_account", "bank_transfer"],
      "send_invitation_email": false
    },
    "data": {
      "type": "e-mandates",
      "attributes": {
        "creditor_identifier": "FR38ZZZ882BC6",
        "debtor": {
          "name": "Jon Doe",
          "first_name": "Jon",
          "last_name": "Doe",
          "email": "[email protected]",
          "address": {
            "number": "12",
            "street": "rue de la Paix",
            "zip": "75002",
            "city": "Paris",
            "country": "FR"
          }
        }
      }
    }
  }'

const params = new URLSearchParams({
  redirect_uri: 'https://www.my-shop.com/mandate/return',
  state: 'order-1234',
});

const response = await fetch(`https://api.sandbox.fintecture.com/v1/e-mandates?${params}`, {
  method: 'POST',
  headers: {
    Authorization: `Bearer ${accessToken}`,
    'Content-Type': 'application/json',
    Accept: 'application/json',
  },
  body: JSON.stringify({
    meta: { authentication_methods: ['bank_account', 'bank_transfer'], send_invitation_email: false },
    data: {
      type: 'e-mandates',
      attributes: {
        creditor_identifier: 'FR38ZZZ882BC6',
        debtor: {
          name: 'Jon Doe',
          first_name: 'Jon',
          last_name: 'Doe',
          email: '[email protected]',
          address: { number: '12', street: 'rue de la Paix', zip: '75002', city: 'Paris', country: 'FR' },
        },
      },
    },
  }),
});

const { data } = await response.json();
const signingUrl = data.links.next;

Query parameters

Parameter	Required	Description
`redirect_uri`	No	Where the customer is sent once the e-mandate is signed. Without it, the customer stays on a Fintecture confirmation page.
`state`	No	Your own reference, up to 36 characters, returned on the redirect and in webhooks.
`with_beneficiary`	No	`true` to include your beneficiary details in the response.

Body

Attribute	Required	Description
`meta.authentication_methods`	No	Verification methods offered to the customer, in order of preference: `bank_account` (bank connection) and/or `bank_transfer`. The first one is shown first; the others are offered as fallbacks. A single value removes the fallback. Default: `["bank_account", "bank_transfer"]`.
`meta.send_invitation_email`	No	`true` to have Fintecture email the signing link to the customer. Default: `false`, in which case you send the customer to `links.next` yourself.
`data.type`	No	`e-mandates`
`data.attributes.creditor_identifier`	Yes	Your SEPA creditor identifier (ICS), up to 35 characters.
`data.attributes.rum`	No	Unique mandate reference (RUM), 1 to 35 characters. It must be unique among your e-mandates. If omitted, Fintecture generates one (`FTE` followed by 32 characters).
`data.attributes.currency`	No	`EUR`, the only accepted value.
`data.attributes.debtor.name`	Yes	Customer's full name, 1 to 70 characters. Printed on the mandate.
`data.attributes.debtor.email`	Yes	Customer's email. Fintecture sends the signed mandate PDF to it.
`data.attributes.debtor.address`	Yes	Customer's postal address, see below.
`data.attributes.debtor.first_name`	No	Customer's first name.
`data.attributes.debtor.last_name`	No	Customer's last name.
`data.attributes.debtor.phone_prefix`	No	International dialling prefix, for example `+33`.
`data.attributes.debtor.phone`	No	Phone number without the prefix.
`data.attributes.debtor.company_name`	No	For a business customer. When set, `incorporation` is required.
`data.attributes.debtor.incorporation`	If `company_name`	Company registration, see below.

debtor.address

Attribute	Required	Description
`number`	No	Street number, up to 10 characters.
`street`	Yes	Street name, up to 60 characters.
`zip`	Yes	Postal code, up to 15 characters.
`city`	Yes	City, up to 50 characters.
`country`	Yes	ISO 3166-1 alpha-2 country code, for example `FR`.

debtor.incorporation

Attribute	Required	Description
`registry`	Yes	`SIREN` (9 digits), `SIRET` (14 digits), `VAT` (2-letter country code followed by 2 to 13 characters), `HRB` or `CREF`.
`id`	Yes	Registration number for that registry, 7 to 15 characters. Spaces are removed.
`country`	Yes	ISO 3166-1 alpha-2 country code of the registry.

📘
The customer's IBAN comes from the verification
You don't send the account to debit. The customer selects it during verification, and it appears in debtor.iban once the e-mandate is signed.

2. Read the response

A 201 Created returns the e-mandate in draft:

{
  "data": {
    "type": "e-mandates",
    "id": "9e2c7e69-732d-4adf-bede-f4ad15d9e8a3",
    "attributes": {
      "status": "draft",
      "flow_step": "bank_account_verification",
      "rum": "FTEa3f69fe87aa34b57b0b1274de55947f1",
      "creditor_identifier": "FR38ZZZ882BC6",
      "scheme": "core",
      "currency": "EUR",
      "created_at": "2026-10-27T15:20:11.000Z",
      "debtor": {
        "name": "Jon Doe",
        "email": "[email protected]",
        "address": { "number": "12", "street": "rue de la Paix", "zip": "75002", "city": "Paris", "country": "FR" }
      }
    },
    "links": {
      "next": "https://api.sandbox.fintecture.com/v1/kyu/redirect?state=emandates:9e2c7e69-732d-4adf-bede-f4ad15d9e8a3:emandate"
    }
  }
}

Store data.id: it is the emandate_id you use for every later call.

3. Send the customer to sign

Redirect the customer to data.links.next, or set meta.send_invitation_email to true to let Fintecture email it. The link takes them through verification and signature, as shown in Integrate e-mandates.

Once signed, the customer is redirected to your redirect_uri with three query parameters:

https://www.my-shop.com/mandate/return?emandate_id=9e2c7e69-732d-4adf-bede-f4ad15d9e8a3&status=active&state=order-1234

❗️
Don't rely on the redirect alone
The customer may close the browser before the redirect. Confirm the status with the emandates.status.active webhook or by reading the e-mandate.

Errors

Status	Cause	Fix
`400`	A required field is missing, a value is too long or badly formatted, or an unknown field was sent.	The error details name the field.
`401`	Missing or expired access token, or an invalid signature in production.	Request a new token; check the HTTP Signature.
`403`	The application does not have the `e-mandates` scope.	Check your application in the Console, or contact support.
`404` `BENEFICIARY_NOT_FOUND`	Your application has no beneficiary.	Add a beneficiary to the application in the Console.
`409` `CONFLICT`	An e-mandate with this `rum` already exists.	Use a new `rum`, or omit it to let Fintecture generate one.