Setting Up a Payment Consent

Before you can charge a customer via Autogiro, they must first sign a payment consent (mandate). This guide walks through that process.

What is a Payment Consent?

A payment consent (also called a mandate in Autogiro terminology) is an agreement where the customer authorizes you to withdraw money from their bank account. The customer selects which bank account to use and signs the agreement using BankID. Once the mandate is approved by the customer's bank, you can initiate payments against it — each payment is automatically debited from the customer's account without requiring any further action from them.

A consent remains active until the customer revokes it, meaning you can use a single consent for an ongoing series of payments (e.g. monthly subscriptions).

How it works

You create a payment consent via the Ping Payments API and receive a sign_url in return. You redirect the customer to this URL where they complete the signing process. Afterward, the customer is redirected back to your site.

For full API details, parameters, and example request/response, see the Payment Consent.

The Customer Signing Flow:

1. Select their bank

The customer is presented with a list of Swedish banks and selects the bank where they want the payments to be withdrawn from.

2. Authenticate with BankID

The customer authenticates using Mobile BankID. A QR code is displayed that the customer scans with the BankID app on their phone.

3. Select bank account

After authenticating, the customer sees their bank accounts and selects which account to use for the autogiro payments. The customer also reviews and accepts the terms and conditions.

4. Sign with BankID

The customer signs the mandate using Mobile BankID (a second QR code is displayed for signing).

5. Confirmation

The customer sees a confirmation that the autogiro mandate has been created and is redirected to your success_url.

After signing

After the customer signs, the consent does not become active immediately — it goes through a bank approval process. Once the bank approves the mandate, the consent status changes to ACTIVE and you can start initiating payments against it.

See the Payment Consent for how to charge against an active consent.