When can you pay for a pension from a stranger here

A direct debit order is a payment instrument which, unlike a castle order, is not based on the initiative of the payer, but on the initiative of the payee. Who will give me a direct debit to the bank?

The content of the direct debit order is the payee’s payment order to his bank to mediate the transfer of funds debited to the payer in favor of the direct debit order insert. At present, it is most common to use the collection form of payment if this method has been agreed with your bank. The use of a direct debit order is thus assumed agreed between the payee (ie the insert of the direct debit order) and the payer of the payment. However, banks do not examine mutual contractual arrangements between their clients, and therefore the agreement between the payer and his bank is decisive.

Money for debit years and fees (prices) for services associated with the management and processing of payment items of the bank are usually considered as a direct debit from the current client, unless otherwise stated in the contract for the establishment and management. At present, the most frequent collection of payments is settled in the so-called SIPO (association of collection of payments of the population), which, after agreements between the payer and the payee, provide regular payment castles, e.g. for electricity, gas, telephone charges, including annuities, etc.

The following entities are involved in the direct debit order:

  • consignee (customer, supplier, seller, owner);
  • bank pjemce;
  • bank pltce;
  • pltce (defender, dlunk).

Execute direct debit order

The direct debit order can be submitted to the bank in two ways. The classic form is pre-prescribed bank formulas. The modern form is a single order through various forms of electronic banking products. The order to the castle strengthens the built supplier (payee). From a time point of view, the direct debit order is the risk of the customer (payment payer). For the bank, the collection form of the payment order is risky than the classic castle order, especially in that the bank is obliged to execute more than one castle order when executing the collection order, this is not the case with the castle order.

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Needs of a direct debit order

The requirements for a collection order are the same as for a castle order. The use of this instrument is generally limited to cases where:

  • this instrument is paid in accordance with the first regulations;
  • this method of payment is agreed between the raft and his bank;
  • In addition, the bank is the payer authorized to establish a contract for the establishment and maintained here for the next debit year, a fee for banking services, etc.

ryvek from the book Payments


ryvek is from the book“Classic and electronic payment systemvydan nakladatelstvm City Publishing, who published publications in the FINANCE edition such as:
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