Is the Certyneo QES recognised by the ACPR?

Yes. Our QES (Qualified Electronic Signature) within the meaning of eIDAS art. 26 is issued by a qualified TSP (Qualified Trust Service Provider) listed in the European TSL. The ACPR recognises it for banking contracts, brokerage agreements, asset management mandates.

Can I sign a B2B SEPA mandate online?

Yes. The B2B SEPA SDD mandate requires advanced (AES) or qualified (QES) e-signature depending on your bank's T&Cs. Certyneo covers both. The signed mandate is exportable in SEPA XML format for CFONB transmission.

Is Certyneo SOX-compliant for my US subsidiaries?

Yes. Our audit trail satisfies SOX 404's 5 pillars (control environment, risk assessment, control activities, information & communication, monitoring). PCAOB / AICPA documentation provided within 48h for your external auditors (Deloitte, EY, KPMG, PwC).

What signature level for a statutory auditor engagement letter?

Advanced e-signature (AES) suffices for the auditor engagement letter (art. R823-7 French Commerce Code). For audit reports themselves, QES is recommended. Certyneo covers both levels.

How long do we keep the audit trail?

Minimum 10-year retention (French Commerce Code art. L123-22) for commercial acts. 30-year retention configurable for banking contracts (banking limitation period). For M&A SPAs, 30 years recommended (residual guarantee duration).

Finance & CFO solution

E-signature for the finance function

Banking contracts, factoring agreements, M&A due diligence, audit engagement letters, SEPA mandates, intra-group treasury agreements: Certyneo offers ACPR-recognised eIDAS qualified signature (QES), SOX-compatible audit trail for US subsidiaries, and a tamper-proof audit log.

Finance constrained by signatures

A CFO signs an average of 30 contracts per month (banking, supplier, intra-group). Missed initials on > €100k contracts delay treasury flows, burden audits, generate operational risk. Certyneo offers eIDAS QES + SOX-compatible audit trail.

Missed approvals delay cash flow

A pending bank or vendor contract freezes significant financial movements. Electronic signature accelerates contract execution and makes the cash flow schedule reliable.

Audits become heavier without exploitable audit trail

Reconstructing who signed what and when keeps the CFO busy at every audit. SOX-compatible audit trail provides timestamped proof immediately actionable.

Sensitive contracts carry high operational risk

Commitments above €100k require strict signature control. QES eIDAS guarantees signatory identity and commitment integrity.

All your financial acts online

6 use cases covering treasury, M&A, audit and factoring.

Banking contract & credit line

Pro current account agreement, revolving credit line, surety contract, B2B SEPA mandate (B2B SDD).

Factoring agreement

Recourse or non-recourse factoring contract, Dailly assignment (art. L313-23 French Monetary Code), commercial pledge, autonomous payment guarantee.

M&A due diligence

Pre-data-room NDA, letter of intent (LoI), term sheet, merger-acquisition contract, SPA (Share Purchase Agreement) with asset/liability guarantees.

Audit engagement letter

Statutory auditor engagement letter, affirmation letter, representation letter (art. R823-7 French Commerce Code).

Intra-group treasury agreement

Cash-pooling agreement, intra-group loan (art. L511-7 CMF banking monopoly derogation), commitment guarantee, letter of patronage.

SEPA SDD / SCT mandate

SEPA B2B SDD mandate, urgent SCT transfer order, automatic supplier payment mandate, intra-European direct debit authorisation.

Why Certyneo for finance

eIDAS qualified signature (QES)

Our QES is recognised by the ACPR for > €1M banking contracts, by the DGFiP for tax returns, by the EBA for cross-border financial contracts. Video KYC pre-verification included.

SOX-compatible audit trail

US subsidiaries of French companies: our audit trail satisfies SOX 404 requirements (Internal Control over Financial Reporting). Immutable logs, cryptographic seal, PCAOB exportable.

ACPR & EBA compliant

Banks, fintech, insurtech: our signatures are recognised by the ACPR (French Prudential Supervisory Authority) and the EBA (European Banking Authority) for regulated contracts.

Frequently asked questions — finance

Is the Certyneo QES recognised by the ACPR?: Yes. Our QES (Qualified Electronic Signature) within the meaning of eIDAS art. 26 is issued by a qualified TSP (Qualified Trust Service Provider) listed in the European TSL. The ACPR recognises it for banking contracts, brokerage agreements, asset management mandates.
Can I sign a B2B SEPA mandate online?: Yes. The B2B SEPA SDD mandate requires advanced (AES) or qualified (QES) e-signature depending on your bank's T&Cs. Certyneo covers both. The signed mandate is exportable in SEPA XML format for CFONB transmission.
Is Certyneo SOX-compliant for my US subsidiaries?: Yes. Our audit trail satisfies SOX 404's 5 pillars (control environment, risk assessment, control activities, information & communication, monitoring). PCAOB / AICPA documentation provided within 48h for your external auditors (Deloitte, EY, KPMG, PwC).
What signature level for a statutory auditor engagement letter?: Advanced e-signature (AES) suffices for the auditor engagement letter (art. R823-7 French Commerce Code). For audit reports themselves, QES is recommended. Certyneo covers both levels.
How long do we keep the audit trail?: Minimum 10-year retention (French Commerce Code art. L123-22) for commercial acts. 30-year retention configurable for banking contracts (banking limitation period). For M&A SPAs, 30 years recommended (residual guarantee duration).

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