Mandate management is one of those operational challenges that sounds minor until you're responsible for ensuring that thousands of direct debit authorisations are correctly documented, stored, and available for audit. Twikey was founded in Belgium in 2013 to build digital mandate management infrastructure for businesses that collect recurring payments through SEPA Direct Debit. Its platform handles the entire mandate lifecycle — digital signing, storage, amendment, cancellation — and integrates with accounting software and payment processors to connect mandate management with the actual payment collection process. The product targets utility companies, subscription businesses, membership organisations, and any B2B company that collects payments on a recurring schedule. In the European direct debit landscape, where SEPA created a unified technical standard but left the operational complexity of mandate management to individual companies, Twikey fills a genuine gap — making the administrative layer of recurring payments as digital and automated as the payment itself. Its Belgian base gives it natural depth in the Benelux market and access to a business culture where direct debit is the dominant B2B payment method, combined with the broader European coverage that SEPA mandates enable.