SPS Signature is an application that lets end users sign or validate SEPA e-mandates and/or document.
Using one of its 5 different agreement schemes, the user, often called the debtor, gives his agreement to the creditor, the company emitting the mandate, to order SEPA payments using this mandate.
To give his approval there are different agreement schemes:
- The reception of an OTP Code via SMS
- The reception of an OTP Code via Email
- The handwritten signature via pen tablet
- A card payment during the signature.
- 3D Secure verification.
Electronic signature (OTU)
The electronic signature allows the Certification Authority (CA) to generate a personal certificate (OTU certificate) for the debtor with his name in the common name of the certificate. The signature applied on the PDF mandate has the same legal values as the manual signature on paper. A personal certificate implies to know without ambiguity the debtor who will sign a mandate. On internet process, this knowledge is only possible for known customers, and not for prospects.
Electronic validation (ORG)
The electronic validation allows to sign a PDF mandate but with a not personal certificate. For performing this PDF signature, an organization certificate is used (ORG). As a personal certificate is not generate by the CA, the debtor has not to be strictly identified and prospect can sign a PDF mandate by this way. However, the signature on the PDF is not considered as a legal signature even is traces are kept and archived. It’s just a beginning of proof.