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TL;DR: Choose “internet” for electronic consent obtained via web or mobile apps. Choose “signed” for signed agreements, including e-signatures like DocuSign, obtained before initiating payments.
Note: If you’re a B2B company that holds signed contracts, even though you may submit payments via the web portal or payment app, you would select “Contract”.
During the Straddle application process, you will be asked to select how you obtain authorization for electronic payments from your customers. Choosing the correct method is crucial for payment compliance per regulators like Nacha. The two options are “internet” and “contract.”

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Authorization use cases

Authorization Use CaseConsent Method to Select
Business to Business contractsigned
Business to Consumer contractsigned
Web Authorization via payment portal or mobile applicationinternet
You can select both signed and internet options if your business uses multiple consent methods.
Select this option if you collect electronic consent through a web portal or mobile application.

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Examples

  • Customers agree to terms by clicking a “checkbox” agreeing to electronic consent
  • Users authorize payments within your mobile app
  • Consent is given through an online form submission

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Key considerations

  • Typically used for digital-first businesses
  • Suitable for recurring payments set up online
  • Must comply with electronic consent regulations and WEB SEC code requirements
Select this option if you obtain a signed agreement from your customer before initiating a payment; this includes electronic signatures.

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Examples

  • B2B or B2C contracts signed in person or E-signature services like DocuSign, Adobe sign, etc (relates to PPD or CCD SEC codes)
  • Emailed agreements returned with a digital signature

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Key considerations

  • Often used for high-value or long-term agreements
  • Use this option for business-to-business transactions (see CCD entries for B2B requirements)