SEPA-Firmenlastschrift: in der Praxis noch nicht empfohlen

von | 2017-12-27T19:39:33+00:00 26.03.2014|Allgemein, Payment|Kommentare deaktiviert für SEPA-Firmenlastschrift: in der Praxis noch nicht empfohlen
Die SEPA-Umstellung bringt unter anderem Änderungen im Lastschriftverfahren mit sich. So wird die SEPA-Lastschrift in zwei Varianten angeboten: in der Standardvariante als SEPA-Basislastschrift (SEPA Core Direct Debit) und für den B2B-Bereich als SEPA-Firmenlastschrift (SEPA Business to Business Direct Debit). Allerdings birgt die SEPA-Firmenlastschrift einige Risiken und wird daher in der Praxis bislang noch nicht empfohlen.

Essential to SEPA Direct Debit

Versions and specifications for the basic variant as well as the SEPA corporate logo can be found in the rules of the European Payments Council, or EPC. As a result, companies which have not yet completed the conversion to the SEPA direct debiting system must have a creditor identification number. This creditor ID can be requested on the Bundesbank website. For the final conversion to the new SEPA procedures, online retailers only have until 1 August 2014. This also includes the need for SEPA mandates for SEPA direct debit mandates and for the change of pre-processing periods as well as the requirement for prior notification. It is also important for the SEPA corporate accountancy that the payer must be a company,

SEPA-Firmenlastschrift: Rebooking not possible

But it is not just the transition to the new SEPA process that poses some challenges. In addition, the use of the SEPA company logo is associated with not insignificant risks. While the basic lading is essentially the same as the previous withdrawal procedure and thus amounts already debited from the account can be reclaimed within a certain period of time, this right of return is no longer foreseen in the corporate lading. It is true that a prepaid debit note is required by the payee, so that a debit order can still be cleared if necessary and thus a faulty debit posting can be prevented. However, if the amount has already been debited, the bank can no longer be required to request repayment.

Wrong comma with devastating effect

If a business partner is given an authorization for a SEPA corporate account, there is a risk that the latter will clear his own business account albeit inadvertently. Already a comma in the wrong place in the debiting amount is sufficient for this. If, however, an excessive amount has been debited, those concerned can only wait for the recipient to return the corresponding sum. In the worst case, the legal process must be taken. This scenario can become extremely threatening, especially for smaller online merchants who deal with all transactions via a single business account. Although such imbalances have so far been the exception, the SEPA company logo should not be easily accepted in view of the risks involved.

Suppliers sometimes demand SEPA company inscriptions

In particular, companies that are in contact with many business customers are looking forward to the new direct debit format in the B2B area, since amounts withdrawn can be recorded as receipts as soon as they are entered into the account. However, customers can not assess this fact quite positively in view of the high risk of an incorrect booking. In addition, it may well happen that the e-mail with the advance notice for the load receipt is lost. Online retailers who are requested by their suppliers to sign a B2B debit authorization should carefully consider this. It may be advisable to switch to the old-fashioned payment form. Alternatively, the use of the basic variant could also be proposed, which can also be used by companies.

von | 2017-12-27T19:39:33+00:00 26.03.2014|Allgemein, Payment|Kommentare deaktiviert für SEPA-Firmenlastschrift: in der Praxis noch nicht empfohlen

Über den Autor:

Holger Bosk

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