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Sign and send payments ​

After initiating a payment from SNDQ, you still need to sign and send it via your banking portal. SNDQ transmits the payment file (SEPA), but the payment is only executed after you approve it. This is a security measure — only authorized signers can approve payments.

Via Isabel 6 ​

1. Log in to Isabel 6 ​

Go to banking.isabel.be and log in with your IsaKey, itsme, or SmartCard.

TIP

The token you use to log in is the same token you use to sign. If you log in with an IsaKey, you also sign with the IsaKey.

2. Go to Transactions ​

Click the Transactions tab in the main menu. You see an overview of all transactions that have not yet been sent. The payment from SNDQ has status To be signed.

3. Sign the payment ​

  1. Select the transaction(s) you want to sign.
  2. Click Sign.
  3. Verify the account numbers, amounts, and any hash codes.
  4. Confirm with your token:
    • IsaKey — scan the cronto image, enter your PIN, and fill in the 8-digit code
    • itsme — open the itsme app and confirm with your PIN
    • SmartCard — enter your PIN on the card reader and press OK

4. Send the payment ​

  1. Select the signed transaction(s).
  2. Click Send.

The payment is now forwarded to the bank for execution.

Important

If you only sign the transaction but do not send it, the payment will not be executed. Do not forget this last step!

Statuses in Isabel 6 ​

StatusMeaning
To be signedWaiting for your signature
Insufficiently signedAnother signature is missing (when multiple signers are required)
Sufficiently signedReady to be sent
RejectedTransaction was rejected by a signer or due to an error

External guides — Isabel ​

Via Ponto ​

1. Log in to Ponto ​

Go to dashboard.myponto.com and log in with your Ponto account.

2. Sign the payment ​

  1. Go to the overview of payments waiting for your signature.
  2. Ponto redirects you to your bank's domain, where you can authenticate the payment with your usual credentials.
  3. After signing, Ponto displays the status of your payment request.

External guides — Ponto ​

FAQ ​

I don't see any transactions in Isabel/Ponto ​

  • Check that the payment was correctly initiated in SNDQ (verify the status in Payment initiation).
  • Wait a few minutes — the file needs to be processed first.
  • Check that you are logged in to the correct contract/account.

The payment was not executed by the bank ​

  • Check that you sent the transaction after signing it (Isabel).
  • Check the beneficiary's IBAN number.
  • Contact your bank if the payment was rejected.

Need help?

Contact our team at info@sndq.be or use the Get Help option in the SNDQ application.