KalplexCreditor identifier
Your SEPA creditor ID and name, so the mandate and every debit are clearly yours.
SEPA e-mandates
Every pay-later order starts with a SEPA Core mandate: the shopper's authorisation for you to debit their account. Kalplex captures it in seconds and keeps the proof.
Unique mandate reference
A reference that appears on each debit and ties it back to the order.
Debtor details
Account holder name and IBAN, validated before the mandate is created.
Consent and timestamp
The text the shopper agreed to and when they agreed to it.
Device evidence
IP address and session details captured at signing.
Status history
Every change, from submitted to active, cancelled or expired.
Hosted by GoCardless, in your name
Shoppers enter their bank details on GoCardless's secure, scheme-compliant pages. Kalplex never sees or stores the full IBAN — only the bank name and last digits, so you can show which account a mandate uses.
Key points:
- Scheme-compliant mandate wording
- Bank details collected by a regulated payment institution
- Mobile-friendly, multi-language pages
36
Months of inactivity
A Core mandate lapses if no debit is collected for 36 months.
SEPA Core rulebook
1
Mandate, many orders
One signed mandate can cover a shopper's future pay-later orders.
8
Weeks refund right
For authorised debits, payers can ask their bank for a refund within 8 weeks.
SEPA Core rulebook
Do shoppers need to print or sign anything?
No. The mandate is signed online during checkout — an e-mandate — and the evidence is stored electronically.
Whose name appears on the bank statement?
Yours. Debits are collected under your creditor identifier and creditor name.
Can one mandate be used again?
Yes. A returning shopper's active mandate can be reused for later pay-later orders, without signing again.
What if the shopper cancels the mandate?
Kalplex receives the cancellation, stops future debits on it and flags any open orders so you can ask for another payment method.
Account