Ist Direct Debit dasselbe wie Lastschrift?

von | 2017-12-27T20:01:31+00:00 06.03.2014|Allgemein, Payment|Kommentare deaktiviert für Ist Direct Debit dasselbe wie Lastschrift?
Direct Debit (DD) ist die englische Terminologie für eine Lastschrift. Im interaktiven Handel liegt Direct Debit, also der Kauf und die Bezahlung per Bankeinzug, auf Platz zwei der erfolgreichsten Zahlarten, so das Ergebnis der bvh-Studie „Interaktiver Handel in Deutschland“ aus dem Jahr 2013. Online-Händler sollten demnach aus Wettbewerbsgesichtspunkten dieses Zahlungsmittel innerhalb ihres Online-Shops anbieten. Doch was ist Direct Debit bzw. eine Lastschrift überhaupt und welche Neuerungen bringt die SEPA-Umstellung mit sich?

Direct Debit – cashless payment method

Direct debit or direct debit is a cashless payment procedure. The payee switches his bank to debit a certain amount from the account of the debtor. In contrast to the transfer, where the payment is triggered by the payer, the bank’s payment process is initiated by the recipient in the direct debit. However, Direct Debit requires the consent of the debtor. For the creditor, the advantage of the direct debit is that it can determine when the payment is made and when it can dispose of the amount. For debtors, this procedure is a considerable relief, since it does not have to monitor the payment dates or make the necessary payments.

Direct debit as part of the SEPA conversion

On 1 February 2014 the transfer and direct debit procedures in Germany were converted to the uniform, European-wide SEPA procedure. The introduction of SEPA direct debit is also accompanied by the SEPA (Single Euro Payments Area) conversion . SEPA Direct Debit thus corresponds to the SEPA Direct Debit. In the SEPA direct debiting system, there is the basic variant, also known as SEPA Core Direct Debit , and the company code, also referred to as SEPA Business to Business Direct Debit . The basic variant of SEPA Direct Debit contains many well-known elements of the German collection authorization procedure. The company logos take account of the needs of business customers and is similar to the debiting procedure.

What are the new features of SEPA Direct Debit?

The switch to SEPA Direct Debit brings some innovations for online retailers. For example, a single text for the SEPA mandate is required on the „collection authorization“. In addition, each SEPA mandate must be accompanied by a mandate reference in order to clearly identify the respective mandate. In addition, the current account numbers of the customers are to be replaced by the IBAN international account number and the international bank code BIC. A SEPA direct debit can only be collected if the account holders concerned are informed of the debit with a pre-payment period of 14 days. However, online merchants may set different terms in the General Terms and Conditions. In addition, online merchants need a creditor identification number to run a SEPA Direct Debit. This creditor ID can be applied for on the Deutsche Bundesbank’s website. The rules for the SEPA-Basis direct debit also stipulate that first-time direct debits must have been received by the Paying Agent five days before the due date. The following must be submitted at least two days before the due date. In the case of one-time direct debits, a pre-term period of five days is also applicable. In the case of the SEPA-Basis direct debiting the debit of the account can be contradicted up to eight weeks after debiting. If there is no valid SEPA mandate, the person charged may request a refund for up to 13 months after the account has been debited. That first-time direct debits must have been received by the Paying Agent five days before the due date. The following must be submitted at least two days before the due date. In the case of one-time direct debits, a pre-term period of five days is also applicable. In the case of the SEPA-Basis direct debiting the debit of the account can be contradicted up to eight weeks after debiting. If there is no valid SEPA mandate, the person charged may request a refund for up to 13 months after the account has been debited. That first-time direct debits must have been received by the Paying Agent five days before the due date. The following must be submitted at least two days before the due date. In the case of one-time direct debits, a pre-term period of five days is also applicable. In the case of the SEPA-Basis direct debiting the debit of the account can be contradicted up to eight weeks after debiting. If there is no valid SEPA mandate, the person charged may request a refund for up to 13 months after the account has been debited.

SEPA Direct Debit – use existing direct debit mandates

Existing direct debit mandates can also be reused at SEPA Direct Debit if the customer has been informed about this. Customers‘ bank data already collected must then be converted into the new IBAN and BIC data. For the relationship between traders and customers, it is advisable to continue to make their own conversion of the bank data or offer it. Otherwise, the new process could become a conversion killer in the online shop as many customers are not yet familiar with the new formats and the input of IBAN / BIC.

In addition, online shop systems must be checked to ensure that they are able to deal with the new formats. In conjunction with the larger memory requirements for the extended data, it should be checked whether additional memory space is required. To convert existing account data into IBAN / BIC data, commercial or free conversion computers can be used. For the conversion of the data there are also special service providers. However, it is not recommended to use these conversion tools for Austrian bank connections because of inconsistencies. Therefore, online merchants should have their account data converted by an Austrian bank.

von | 2017-12-27T20:01:31+00:00 06.03.2014|Allgemein, Payment|Kommentare deaktiviert für Ist Direct Debit dasselbe wie Lastschrift?

Über den Autor:

Holger Bosk

Holger Bosk ist CTO der Novalnet AG. Er verfügt über langjährige Erfahrungen im Payment-Sektor.