SEPA Coverage
+30
SEPA countries
+100
Banks connected
Mandates List
Anna Müller
GM-10234-NL-2026
Textile Logistics AB
GM-10235-DE-2026
Marcia van der Leeden
GM-10236-NL-2026
Anna Müller
GM-10234-NL-2026
Textile Logistics AB
Textile Logistics
GM-10235-DE-2026
Marcia van der Leeden
Marcia van der Leeden
GM-10236-NL-2026
Performance
98.05%
Mandate Completion Rate
100%
90%
Jan
Dec
About Green Mandate
Green Mandate Infrastructure
Green Mandate Infrastructure
Green Mandate is a mandate automation platform built by Bluem that simplifies and standardizes SEPA direct debit authorization across banks, merchants, and mandate service providers.
Green Mandate is a mandate automation platform built by Bluem that simplifies and standardizes SEPA direct debit authorization across banks, merchants, and mandate service providers.
+400
+400
Mandate Clients
Mandate Clients
Merchants, banks & MSPs across Europe
Merchants, banks & MSPs across Europe
50K+
50K+
Monthly Mandates Processed
Monthly Mandates Processed
CORE and B2B, fully automated
CORE and B2B, fully automated
<1 Min
<1 Min
Mandate Journey
Mandate Journey
From invitation to signed certificate
From invitation to signed certificate
The Problem
Why SEPA Mandates Are Still Complex?
Why SEPA Mandates Are Still Complex?
Every bank handles SEPA direct debit mandates differently. There is no single standard for digital mandate creation, authorization, or registration — leading to fragmented processes, manual workarounds, and compliance risks.
Every bank handles SEPA direct debit mandates differently. There is no single standard for digital mandate creation, authorization, or registration — leading to fragmented processes, manual workarounds, and compliance risks.
No Unified Standard
No Unified Standard
What passes validation at ING gets rejected at Deutsche Bank. There is no consistent SEPA mandate schema across European banks.
What passes validation at ING gets rejected at Deutsche Bank. There is no consistent SEPA mandate schema across European banks.
Manual & Paper Processes
Manual & Paper Processes
B2B mandates still rely on PDF forms, wet signatures, and fax submissions — creating days of delay and exposing audit gaps.
B2B mandates still rely on PDF forms, wet signatures, and fax submissions — creating days of delay and exposing audit gaps.
Weak Consent Evidence
Weak Consent Evidence
Without verified identity and timestamped e-sign, mandates become legally vulnerable the moment a customer disputes a collection.
Without verified identity and timestamped e-sign, mandates become legally vulnerable the moment a customer disputes a collection.
Paper Only
Bank A
Bank A
Paper mandate required. 5–7 day processing time.
Paper mandate required. 5–7 day processing time.
Paper Only
Proprietary
Bank B
Bank B
Proprietary portal. No API. Manual upload required.
Proprietary portal. No API. Manual upload required.
Proprietary
Manual
Bank C
Bank C
B2B requires physical registration.
B2B requires physical registration.
Manual
Manual
Bank C
B2B requires physical registration.
Manual
PDF form
Bank D
Bank D
PDF via email. Delayed confirmation. No audit trail.
PDF via email. Delayed confirmation. No audit trail.
PDF form
PDF form
Bank D
PDF via email. Delayed confirmation. No audit trail.
PDF form
The result:
40+ different mandate flows across European banks. Zero cross-bank standardisation. Maximum compliance risk.
The Solution
One Mandate Lifecycle Across SEPA
One Mandate Lifecycle Across SEPA
Green Mandate standardises every step from identity verification to bank registration — into one compliant, auditable, and fully automated flow.
Green Mandate standardises every step from identity verification to bank registration — into one compliant, auditable, and fully automated flow.
STEP 01
Authenticate Identity
Bank-grade identity verification via iDIN. Name and IBAN pre-filled automatically — no manual entry.
Bank-grade identity verification via iDIN. Name and IBAN pre-filled automatically — no manual entry.
STEP 02
Create E-Mandate
Customer reviews full terms and applies a legally binding e-signature. Complete in under one minute.
Customer reviews full terms and applies a legally binding e-signature. Complete in under one minute.
STEP 03
Bank Registration
B2B mandates are auto-submitted to the debtor's bank for verification and registration via ISO 20022.
B2B mandates are auto-submitted to the debtor's bank for verification and registration via ISO 20022.
STEP 04
Certificate Generated
A tamper-proof GM Certificate and full audit report are instantly issued, stored, and available on demand.
A tamper-proof GM Certificate and full audit report are instantly issued, stored, and available on demand.
Ecosystem
Operational Performance Advantages for MSPs
Operational Performance Advantages for MSPs
Banks
Receive high-quality mandate data, automated registration flows, and full ISO 20022 compliance — reducing operational load and fraud exposure.
Auto PAIN.009–012 message handling
Traceable approvals & rejections
Tamper-proof audit reports
Lower dispute resolution cost
Request Bank Console Access
Mandate Service Providers (MSPs)
Connect your platform to the Green Mandate Router and instantly expand the value you deliver to merchants.
White-label API & branded dashboard
Multi-merchant management
Revenue-share model available
Dedicated integration support
Request Bank Console Access
Merchants
Collect digital mandates from consumers and businesses in a simple, uniform, and fully SEPA-compliant way.
CORE & B2B mandate creation
Real-time status dashboard
Plugin or REST API integration
Fewer disputes & rejections
Request Bank Console Access
Banks
Receive high-quality mandate data, automated registration flows, and full ISO 20022 compliance — reducing operational load and fraud exposure.
Auto PAIN.009–012 message handling
Traceable approvals & rejections
Tamper-proof audit reports
Lower dispute resolution cost
Mandate Service Providers (MSPs)
Connect your platform to the Green Mandate Router and instantly expand the value you deliver to merchants.
White-label API & branded dashboard
Multi-merchant management
Revenue-share model available
Dedicated integration support
Merchants
Collect digital mandates from consumers and businesses in a simple, uniform, and fully SEPA-compliant way.
CORE & B2B mandate creation
Real-time status dashboard
Plugin or REST API integration
Fewer disputes & rejections
Our Team
Built by Bluem
Green Mandate is built by a global team that combines deep technical expertise with real-world business insight and decades of payment industry experience.
Rieko Kester
CEO
Aviël Ossi
CTO
Emanuele Di Bene
Full-Stack Developer
Teoman Kirac
Full-Stack Developer
Our Team
Built by Bluem
Green Mandate is built by a global team that combines deep technical expertise with real-world business insight and decades of payment industry experience.
Rieko Kester
CEO
Aviël Ossi
CTO
Emanuele Di Bene
Full-Stack Developer
Teoman Kirac
Full-Stack Developer
Our Team
Built by Bluem
Green Mandate is built by a global team that combines deep technical expertise with real-world business insight and decades of payment industry experience.
Rieko Kester
CEO
Aviël Ossi
CTO
Emanuele Di Bene
Full-Stack Developer
Teoman Kirac
Full-Stack Developer
Our Culture
A Culture of Trust, Quality and Standards
A Culture of Trust, Quality and Standards
At Bluem, we live and breathe payments. As a 24×7 transaction factory for onboarding to payments, we understand that reliable, secure, and efficient transaction processing depends on one thing: standards and process.
At Bluem, we live and breathe payments. As a 24×7 transaction factory for onboarding to payments, we understand that reliable, secure, and efficient transaction processing depends on one thing: standards and process.
+10
+10
Years in Fintech
Years in Fintech
Netherlands
NL
Headquartered
Headquartered
SEPA
SEPA
Coverage
Coverage
Get Started
Set a New Standard for Direct Debit
Replace paper and grey mandates with one secure, bank-agnostic digital flow that improves data quality, speeds up onboarding, and strengthens compliance for CORE and B2B.
Solution
Bluem Websites
Contact us
Get Started
Set a New Standard for Direct Debit
Replace paper and grey mandates with one secure, bank-agnostic digital flow that improves data quality, speeds up onboarding, and strengthens compliance for CORE and B2B.
Solution
Bluem Websites
Contact us
Get Started
Set a New Standard for Direct Debit
Replace paper and grey mandates with one secure, bank-agnostic digital flow that improves data quality, speeds up onboarding, and strengthens compliance for CORE and B2B.
A SEPA-compliant digital Direct Debit solution, built by Bluem.
Solution
Bluem Websites
Contact us
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