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Rxpay-sepa-germany-01

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SEPA SCT and SDD COREB2B in GERMANY

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Rxpay-sepa-germany-01

  1. 1. SEPA IN GERMANY RXPAY RXPAY SAS 2 Rue de la châtaigneraie 35510 Cesson-Sévigné France Tel : 02 99 12 79 05 Contact@rxpay.fr
  2. 2. RXPAY SAS 2 Rue de la châtaigneraie 35510 Cesson-Sévigné France Tel : 02 99 12 79 05 Contact@rxpay.fr 1- NATIONAL PRODUCTS National formats (DTA, DTAUS) : National credit transfers and direct debits (Einzugsermächtigungslastschrift) Ndirect debits (Abbuchungsauftrag) Niche products : There are no “niche products” products in Germany Direct debit initiated by a payment card “Elektronisches Lastschriftverfahren, ELV” : Transactions made by using a payment card at the point of sale which results in a direct debit
  3. 3. RXPAY SAS 2 Rue de la châtaigneraie 35510 Cesson-Sévigné France Tel : 02 99 12 79 05 Contact@rxpay.fr 2- IBAN Germany IBAN is composed of 22 characters : DE CC 12345678 0123456789 Positions 1 – 2: ISO country code (DE for Germany) Positions 3 – 4: Check digits Positions 5 – 12: Bank and branch identifier Characters 12 – 22: Account number* * Some German account numbers have less than 10 digits; in this case “0” should be added on the left side
  4. 4. RXPAY SAS 2 Rue de la châtaigneraie 35510 Cesson-Sévigné France Tel : 02 99 12 79 05 Contact@rxpay.fr 3- ACCOUNTS CONVERSION SERVICE Migration from legacy account numbers and bank routing codes to IBAN and BIC. This application is reachable via : www.iban-service-portal.de/ibanp/iban/auth/HFlqDwSOFC/Start
  5. 5. RXPAY SAS 2 Rue de la châtaigneraie 35510 Cesson-Sévigné France Tel : 02 99 12 79 05 Contact@rxpay.fr 4- CREDITOR IDENTIFIER (CI) Germany CI is composed of 18 characters : DE CC ZZZ 01234567890 Positions 1 – 2: ISO country code (DE for Germany) Positions 3 – 4: Check digits Positions 5 – 7: Creditor Business Code (by default “ZZZ”) Positions 8 – 18: Creditor National Identifier German CI can be obtained from the German Central Bank
  6. 6. RXPAY SAS 2 Rue de la châtaigneraie 35510 Cesson-Sévigné France Tel : 02 99 12 79 05 Contact@rxpay.fr 5- MANDATES MIGRATION Existent “Einzugsermächtigungsverfahren” mandates remain valid for SDD Core For “Abbuchungsauftragsverfahren” a new SDD B2B mandate needs to be issued and signed by the debtor
  7. 7. RXPAY SAS 2 Rue de la châtaigneraie 35510 Cesson-Sévigné France Tel : 02 99 12 79 05 Contact@rxpay.fr 6- XML SCHEMES FOR SCT SCT Pain.001.001.03 Pain.001.002.02 Pain.001.002.03 Pain.001.003.03
  8. 8. RXPAY SAS 2 Rue de la châtaigneraie 35510 Cesson-Sévigné France Tel : 02 99 12 79 05 Contact@rxpay.fr 6- XML SCHEMES FOR SDD SDD CORE Pain.008.001.02 Pain.008.002.02 Pain.008.002.03 Pain.008.003.02 SDD B2B Pain.008.001.02 Pain.008.002.02 Pain.008.002.03 Pain.008.003.02
  9. 9. RXPAY SAS 2 Rue de la châtaigneraie 35510 Cesson-Sévigné France Tel : 02 99 12 79 05 Contact@rxpay.fr 8- PRACTICES The German banking community has agreed to additionally permit the use of special characters allowed in the existing national payment transactions, such as mutated vowels/ umlauts, i. e. Ä, Ö, Ü, ä, ö, ü, and special letters, such as the ß.
  10. 10. RXPAY SAS 2 Rue de la châtaigneraie 35510 Cesson-Sévigné France Tel : 02 99 12 79 05 Contact@rxpay.fr 9- REASON CODE USAGE In case of unsuccessful collection, German debtor banks will not be able to use the following R-transaction reason codes, due to consumer protection reasons : MD07 Debtor deceased AG01 Direct debit forbidden on this account for regulatory reasons AM04 Insufficient funds RR01- 04 Regulatory reason
  11. 11. RXPAY SAS 2 Rue de la châtaigneraie 35510 Cesson-Sévigné France Tel : 02 99 12 79 05 Contact@rxpay.fr 10- ADDITIONAL OPTIONAL SERVICE German banks offer SEPA Direct Debit COR1 * scheme on a national level on 4 November 2013 * This scheme allows for shorter (D-1) file submission timelines for first/one-off and recurrent collections compared to the regular Core scheme timelines
  12. 12. www.rxpay.eu Questions http://rxpay.eu/services/rxmind/ Email : Contact@rxpay.fr Twitter : https://twitter.com/RXPAY Training : http://rxpay.fr/services/rxlearning/ RXPAY SAS 2 Rue de la châtaigneraie 35510 Cesson-Sévigné France Tel : 02 99 12 79 05 Contact@rxpay.fr RXPAY

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