Wer ist von der SEPA-Umstellung betroffen?

von | 2017-12-27T19:57:58+00:00 09.03.2014|Allgemein, Payment|Kommentare deaktiviert für Wer ist von der SEPA-Umstellung betroffen?
Im März 2012 hat der europäische Gesetzgeber festgelegt, dass die nationalen Zahlungsverfahren für Überweisungen und Lastschriften bis zum 1. Februar 2014 von den europaweit einheitlichen SEPA-Verfahren abgelöst werden. Angesichts der unzureichenden Vorbereitung bei vielen Unternehmen hat die EU-Kommission den Auslauftermin für die nationalen Verfahren auf den 1. August 2014 verschoben. Mit SEPA, kurz für „Single Euro Payments Area“, wird der europaweit einheitlich Zahlungsverkehrsraum bezeichnet. Ziel der SEPA-Umsetzung ist es, den Zahlungsverkehr in Europa zu harmonisieren, sodass grenzüberschreitende Euro-Zahlungen ebenso einfach und schnell abgewickelt werden können wie inländische Transaktionen. Die SEPA-Einführung gilt als dritte Stufe der Euro-Einführung. Von der SEPA-Umstellung betroffen ist grundsätzlich jeder, der über ein Konto innerhalb der EU verfügt, also sowohl Unternehmen, Handel und Vereine als auch Privatkunden.

SEPA-Introduction: EU laid the foundation in 2000

The foundation for the introduction of the SEPA has already been laid by the European Union with the Lisbon Agenda in 2000. In 2002, Deutsche Kreditwirtschaft established the European Payments Council (EPC) in order to be able to create a payment area with uniform payment standards and procedures across Europe. One of the main tasks of the EPC is the development and implementation of SEPA payment procedures within Europe. The EU supported this process, inter alia, with the Payment Services Directive establishing a European legal framework. In addition, the EU adopted the so-called price regulation, which contained provisions on cross-border payments in the Community. Since the end of January 2008, a large number of European payment service providers have offered the SEPA transfer, The SEPA direct debit was launched one and a half years later. However, the switchover was only hesitant, so that at the end of 2010 the EU Commission drafted the SEPA Regulation, which entered into force at the end of March 2012. One of the core elements of this regulation was the fixed deadlines for national payment procedures.

The aim of the SEPA conversion

As described above, the aim of the SEPA introduction is to harmonize payment transactions in Europe in order to bring European integration one step further. Despite the increasing globalization, the payment traffic in the individual countries is characterized by national procedures. The bulk of the barriers to payment are still large. Both direct debits and transfers are handled differently in each country. With the introduction of the SEPA, these obstacles are now to be reduced and uniform rules for domestic and cross-border payment transactions apply. In short, cashless payment transactions are to be regulated and processed uniformly throughout the euro area.

What new features does the SEPA transfer entail?

One of the most fundamental differences between the previous transfer and the SEPA transfer is that account identification is no longer done with the previous account numbers and bank sort codes. Instead, the international account number IBAN (International Bank Account Number) and the international account number BIC (Business Identifier Code) are used for contingency. While the BIC is an 11-digit international banking code, the 22-digit IBAN consists of the current bank code and the account number. In addition, the IBAN includes the uniform country code for Germany (DE) and a double-digit check digit. Even though the national procedures had already been converted to uniform SEPA procedures as of 1 February 2014, Private customers can benefit from a transitional arrangement by 1 February 2016 and use the existing account numbers and bank sort codes for domestic transactions, which are then converted free of charge into the new account data by the participating banks. Since 1 February 2014, „IBAN only“ has also been used for domestic payments. This means that the BIC does not have to be specified. As from 1 February 2016, this regulation is also likely to apply to cross-border euro payments. The BIC does not have to be specified. As from 1 February 2016, this regulation is also likely to apply to cross-border euro payments. The BIC does not have to be specified. As from 1 February 2016, this regulation is also likely to apply to cross-border euro payments.

SEPA Direct Debit: What entrepreneurs must pay attention to

In contrast to the SEPA transfer, the SEPA Direct Debit Scheme involves far-reaching changes. In principle, there is a distinction between two types of SEPA direct debit: the SEPA basic lading and the SEPA corporate lading. While the standard or basic variant is aligned to the B2C area, the SEPA company catalog is an additional offer, which can only be used in the B2B area. The IBAN and BIC must also be used for account identification in the SEPA direct debit. For online retailers this means, for example, that they have to change the data of their existing customers accordingly. However, the introduction of the SEPA direct debit still poses further requirements for companies. In order to be able to collect a SEPA direct debit, The consent of the payer is required in the form of an SEPA mandate with a uniform mandate text. In addition, each SEPA mandate must be provided with a type serial number, the mandate reference. In addition, payers must receive a pre-notification notification 14 days prior to the arrival of the SEPA direct debit if the shorter term is not provided for in the General Terms and Conditions. It is also important that the debiting is submitted to the bank five days in advance. The period for submission of orders is limited to two days. Another novelty of the SEPA Direct Debit is that companies need a creditor identification number when they want to execute a direct debit. This is to be applied for once with the Deutsche Bundesbank. In addition, each SEPA mandate must be provided with a type serial number, the mandate reference. In addition, payers must receive a pre-notification notification 14 days prior to the arrival of the SEPA direct debit if the shorter term is not provided in the General Terms and Conditions. It is also important that the debiting is submitted to the bank five days in advance. The period for submission of orders is limited to two days. Another novelty of the SEPA Direct Debit is that companies need a creditor identification number when they want to execute a direct debit. This is to be applied for once with the Deutsche Bundesbank. In addition, each SEPA mandate must be provided with a type serial number, the mandate reference. In addition, payers must receive a pre-notification notification 14 days prior to the arrival of the SEPA direct debit if the shorter term is not provided in the General Terms and Conditions. It is also important that the debiting is submitted to the bank five days in advance. The period for submission of orders is limited to two days. Another novelty of the SEPA Direct Debit is that companies need a creditor identification number when they want to execute a direct debit. This is to be applied for once with the Deutsche Bundesbank. In addition, payers must receive a pre-notification notification 14 days prior to the arrival of the SEPA direct debit if the shorter term is not provided for in the General Terms and Conditions. It is also important that the debiting is submitted to the bank five days in advance. The period for submission of orders is limited to two days. Another novelty of the SEPA Direct Debit is that companies need a creditor identification number when they want to execute a direct debit. This is to be applied for once to the Deutsche Bundesbank. In addition, payers must receive a pre-notification notification 14 days prior to the arrival of the SEPA direct debit if the shorter term is not provided in the General Terms and Conditions. It is also important that the debiting is submitted to the bank five days in advance. The period for submission of orders is limited to two days. Another novelty of the SEPA Direct Debit is that companies need a creditor identification number when they want to execute a direct debit. This is to be applied for once with the Deutsche Bundesbank. Another novelty of the SEPA Direct Debit is that companies need a creditor identification number when they want to execute a direct debit. This is to be applied for once with the Deutsche Bundesbank. Another novelty of the SEPA Direct Debit is that companies need a creditor identification number when they want to execute a direct debit. This is to be applied for once with the Deutsche Bundesbank.

What changes are there for reporting obligations on the balance of payments statistics?

Even after the conversion to the SEPA payment procedures, cross-border payments must take account of the balance of payments statistics under the Foreign Trade Regulation (AWV). Pursuant to Section 26 of the German Foreign Trade Act (AWG), legal and natural persons residing in Germany are obliged to report to the Deutsche Bundesbank payments of more than EUR 12,500 which they make or receive from persons resident abroad.

von | 2017-12-27T19:57:58+00:00 09.03.2014|Allgemein, Payment|Kommentare deaktiviert für Wer ist von der SEPA-Umstellung betroffen?

Über den Autor:

Holger Bosk

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