Meeting ERP/IT Providers

Concertation sociétale sur les
moyens de paiement
IT providers (ERP)
21 septembre 2010
INLEIDING:
SEPA, stand van zaken
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MOB Entreprises
Organisatie van de SEPA migratie in België
Maatschappelijk overleg betaalverkeer
SEPA werkgroepen
IT providers
Grote bedrijven ("big billers")
consumenten
Doel van vandaag=
SDD: antwoorden op uw vragen
Voorbereiding 3é vooruitgangsrapport
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MOB Entreprises
La migration vers SEPA
Virements européens
Domiciliations européennes
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MOB Entreprises
Le virement européen: SCT
Etat des lieux de la migration
CEC Credit Transfers processed in SEPA format (% of total CTs)
30%
25%
20%
Eurozone
15%
CEC
10%
5%
0%
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MOB Entreprises
European Parliament
Text adopted Wednesday, 10 march 2010 Strasbourg
Resolution P7_TA-PROV (2010) 0057 B7-0132/2010
Calls again on the Commission to set a
clear, appropriate and binding end-date,
which should be no later than 31 December
2012, for migrating to SEPA instruments,
after which all payments in euros must be
made using the SEPA standards
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MOB Entreprises
Le virement européen: SCT
"Nouveau" bulletin de virement
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MOB Entreprises
Europese regelgeving
Wet betreffende de betalingsdiensten
van 10/12/2009 gepubliceerd in Staatsblad op 15/01/2010
Transparantie en informatievereisten
Rechten en plichten bij het gebruik van
betalingsdiensten
Aansprakelijkheid
Uitvoeringstermijnen en valutadatum
Verordening betreffende grensoverschrijdende
betalingen
van 16/09/2009 gepubliceerd in het Publicatieblad op 09/10/2009
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MOB Entreprises
Resultaten Enquête
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MOB Entreprises
Scope
Focus on:
Availability of information
Readiness SCT
Readiness Core scheme
Readiness B2B scheme
Interest for e-mandates
Sample (# 26 providers, 31 packages)
Participants
14 providers
19 packages
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MOB Entreprises
SDD readiness: availability of information
YES
Have you been sufficiently informed ?
NO
13
13
12
10
9
7
6
enddates
technical rules
Recurrent questions/remarks:
• enddates
• no customer demand
• possible functionalities of e-mandates
• SDD test files & E2E test procedures
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CIRI=>XML
6
SDD schemes
• R-transactions
• change management of the standards
MOB Entreprises
Readiness SCT
ITC packages: # 19
Not ready yet: # 4
soon (2)
not yet stable
end 2010
N
Y
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MOB Entreprises
SDD Core readiness
not planned
4
4
planned, but
not yet started
4
3
preliminary
study
3
design
testing
1
Core
no
participation
• geen deelname (#1): huidig pakket biedt geen dom80 aan
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MOB Entreprises
SDD B2B readiness
not planned
planned, but not yet
started
preliminary study
5
5
design
3
testing
2
2
2
no participation
B2B
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MOB Entreprises
SDD e-mandates interest
not planned
5
planned, but not yet
started
preliminary study
4
design
3
2
testing
2
no development
0
e-mandates
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MOB Entreprises
Conclusions
Still need for information
SCT: nearly finished
SDD Core well underway
SDD B2B well underway
but, less providers
e-Mandates: some are starting, not yet clear for
others
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MOB Entreprises
SDD
European
developments
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MOB Entreprises
Developments at European level
‘Fixed amount’ Scheme
Specific mandate : the mandate contains the amount of the future
collection(s).
The debtor renounces explicitly his refund right
The periodicity (f.i. one collection per month) is also an option in this
scheme
There wil be eligibility limitations at creditor side : End Users have been
asked to define a code of conduct. There may be a limitation of this
scheme to the payment of goods & services that by their nature cannot
be returned.
This scheme will be optional
Planning : the Rulebook and implementation guidelines are expected to
be submitted to the EPC Plenary end September. No planning yet for
the Code of conduct.
The Belgian banking community aims to support this scheme. The
timing is not yet discussed nor defined.
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MOB Entreprises
Developments at European level
E-mandates
Happens real time over the Internet in a secured way using electronic
signatures
Will be used throughout SEPA in the same way taking away local
differences and organisational barriers
Can replace paper trail
Validation from the Debtor Bank
Can be cancelled or amended in a fully electronic way
Available for Core & B2B
Pilot in Portugal end of 2010
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MOB Entreprises
Developments at European level
AMI - Advanced Mandate Information (successor of the Belgian
proposition ‘MRI before first collection’)
The EPC decided that this will become an option in the Rulebook
But all banks will not be reachable for this option (banks have to adhere)
The technical implementation will be based on XML mandate messages
heavier developments
The Belgian banking community wants to consider other alternatives
1 cent collection
Improvement in the different debtor banks of the process to get the consent
from the debtor
A regulation is considered by the commission to force the adoption
of SEPA.
No final text available
Publication for submission to the Parliement and the Council in the
coming weeks?
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MOB Entreprises
SDD
Meest gestelde
vragen
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MOB Entreprises
Meest gestelde vragen
Creditor Identification
Mandate & Unique mandate reference (UMR)
Wanneer een klant het core mandaat wil wijzigen, moet er een
nieuw contract worden ondertekend?
B2B: consent van de debtor door te geven aan de bank.
Pre-notification
Format : Planning migratie van CIRI naar XML?
First versus recurrent : Info over "notificatie van bank door klant",
foutmeldingen, fout na 1é aanbieding (Acerta)
Migration DOM80
SDD
Conversie van meerdere bestaande domiciliëringscontracten met één rekeningnummer naar
nieuwe mandaten.
Management of the mandates
Isabel planning
Eind-data van de migratie naar SEPA?
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MOB Entreprises
FAQ1 : Creditor Identifier in Belgium
1.
When Creditor has an Enterprise nb:
BE 98 001 0456810810
8 17 : Enterprise number (10 pos.)
This ID remains the same, whatever bank is that delivers it
2.
When Creditor has no Enterprise nb:
BE 98 ZZZ 300 D 000000008
8 10 : Creditor Bank Code (3 pos.) ING=300
11 : “D”
12 20: Sequential Number (9 pos.)
Remark: The dom80 IDs that begin with 4 or more zeros may not be used
Creditor Bank obligations:
Issue the Creditor Identifier (AT-02)
BE 98 001
Issue the unique sequential nb when no enterprise nb exists
Deliver Creditor Identification issuance certificates when requested
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0000012345
MOB Entreprises
FAQ2 : The Mandate (core rulebook)
Unique mandate
reference issued by the
creditor (max 35
positions)
Request type
One-off
Recurrent
Type of
relationship
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MOB Entreprises
Mandates: minimal mandatory details
ING BE
mandate
samples
2 versions
3 languages
PSD
obligation
BE
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MOB Entreprises
FAQ3 : Amendment of a mandate or new
mandate ?
Amendment + recurrent is OK if following fields are changed at creditor level
-> Creditor Identification *
-> Creditor name *
-> Unique reference of the mandate *
Amendment + first is OK if following fields are changed At debtor level
-> IBAN **
-> BIC**
•
•
•
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* D-2 : reception at Debtor Bank (recurrent message) for Core
** D-5 : reception at Debtor Bank (1st message)
for Core
D-1 for B2B…the debtor has to inform any amendment to his bank
MOB Entreprises
FAQ4 : Consent on the B2B mandate
“The debtor “B” has to give his confirmation/consent on the electronic datas sent
by the creditor to the bank”
-> A B2B collection will only be processed by the debtor bank if the Mandate
Related Info (MRI) received from the Creditor with this collection match with the
datas that have been confirmed by the debtor.
Why is this imposed by the SEPA rulebook?
B2B
B2B
no refund right
short timelines for the processing of the collections
The debtor has to send the original mandate to the Creditor & give a copy and his
consent to the Debtor bank
-> the way the debtor bank asks / receives the consent to/from the debtor is
depending on the decision of the debtor bank
Several debtor banks accept to initiate this process based on copies of the
mandates received from the creditor
Further improvements :
-> Proposal of Advanced Mandate Information: Plenary of September at EPC level
-> quid 1st collection 1 cent ?
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MOB Entreprises
B2B : Process for the mandate
1. The customer and the provider
negotiate a commercial transaction
The customer
The buyer
The debtor
3. If the
debtor
chooses the
European
Direct Debit
as payment
instrument,
the mandate
form is to be
filled & signed
The provider
The seller
The creditor
4A. The debtor sends the filled
and signed mandate to the
creditor
5. The
creditor
updates his
administrat
ion and
archives
the
mandate.
2. The customer receives a contract / an
invoice and a mandate form from his provider
Additional step for B2B :
4B. The debtor informs his Bank
(& gives his consent) about the
signed mandate
Debtor’s
bank
Contract / Invoice
Reference : 123456789
Provider’s name : subscription
Magazine ABC
Amount : 57,23 €
Payment by :
European Direct Debit
Mandate
SEPA Direct Debit Mandate
CREDITOR'S
NAME & LOGO
Mandate refer ence - to be completed by the cr editor
By signing this mandate form, you authorise (A) {NAME OF C REDITOR} to send instructions to your bank to debit your
account and (B) your bank to debit your account in accordance with the instructions from {NAME OF CREDITOR}.
As part of your rights, you ar
Your name
+
*
1
Your name
Name of the debtor( s)
Name of the debtor( s)
Your addr ess
2
*
Your address
Street name and number
Street name and numb er
3
*
Postal code
Postal code
City
City
*
4
Country
Countr y
Debtor identification code
5
Deb tor identification code
Creditor's name
For business user s: w r ite any code number here w hich you w ish to have quoted by your bank.
For business users: wr ite any code number her e which you wish to have quoted b y your b ank.
**
Creditor' s name
6
Creditor name
Cr editor name
**
7
Creditor Identif ier
Cr editor Identifier
**
8
Sreet name and number
Street name and numb er
**
9
Postal code
Postal code
City
City
10
**
Country
Countr y
11
Creditor reference par ty: Cr editor must complete this section if collecting payment on behalf of another party .
Cr editor reference par ty: Creditor must complete this section if collecting payment on behalf of another party .
Your account number
*
Your account number
12
Account number - IBAN
Account number - IBAN
*
13
SWIFT BIC
Person on whose behalf
payment is made
14
Debtor Refer ence Party: If you ar e making a payment in respect of an ar rangement betw een { NAME OF CREDITOR} and another
person ( e.g. w her e you are paying the other person' s bill) please w r ite the other per son's name here.
If you are paying on your ow n behalf , leave blank.
Debtor Refer ence Par ty: If you are making a payment in respect of an arr angement between { NAME O F CREDITO R} and another
person ( e.g. wher e you ar e paying the other per son's bill) please wr ite the other person's name here.
If you are paying on your own behalf, leave blank.
Person on whose b ehalf
payment is made
In respect of the contract
**
In r espect of the contr act:
15
Identification number of the underlying contract
Identification number of the under lying contract
**
Type of payment
*
Type of payment
City or town in which you are
signing
16
Description of contr act
Description of contract
Recurr ent payment
Recurrent payment
or
or
One-off payment
O ne- off payment
17
Date *
Location
Location
City or town in which you ar e
signing
D
D
M
M
Y
Y 18
Date
Sig nature(s)
Sig natures
Please sign here
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*
MOB Entreprises
B2B : Process for the payment
Debtor
Creditor
1. The provider sends to
the debtor a pre advice at
least 14 days before the
due date.
2. The creditor sends the
collections with the Mandate
Related Information (MRI) to his
bank
6. The creditor’s
account is credited
4B. The debtor’s bank
debits the account of
the debtor
Debtor’s
bank
Creditor’s
bank
5. The debtor’s bank pays the creditor’s bank
Settlement
Additional step for
B2B : 4A. The debtor’s
bank checks the
agreement of the debtor
Clearing
3. The creditor’s bank sends the collections
+ MRI to the debtor’s bank
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MOB Entreprises
Exception handling & The R messages –
B2B
Time line for the B2B scheme :
D-14
Creditor Presends
notification
Collection
to his bank
D-1
collection
sent
1) to CSM
2) to Deb bank
D
D+2
D+5
Limit to send Due date
collection
Settlement date
1) to CSM
Debit date
2) to Deb bank
Refusal (Debitor)
reject
Return
(Deb Bk)
Specific for B2B :
- Shorter timelines
- No Refund
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MOB Entreprises
FAQ5 : The pre-notification
1. The provider sends to the
debtor a pre advice at least 14
days before the due date.
Pre-notification
The creditor can send the pre-notification
separately or can join it to a statement or
an invoice.
Mandate reference : 123456789
Name of the supplier : Subscription Magazine ABC
Amount : 57,23 euros
Payment date : every year 15th of January
First payment : 15th of January 2009
An overview or a plan for several
collections is also acceptable
The creditor & the debtor can agree about
another timing for the pre-notification
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MOB Entreprises
FAQ6 : Format
XML and only XML
Each DD batch
Same due date
Same Sequence Type:
First
(D-5)
Recurrent (D-2)
Final
(D-2)
One-off
(D-5)
Same scheme
Different batches in file when
Different due date
Different scheme (core vs B2B)
rule
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MOB Entreprises
FAQ7 : first versus recurrent
Sequence type “First” & “ recurrent”
If a “ First” sent is rejected (Reject message) -> need to resend a
“First” message
If a “ First” sent is returned (Return message)-> need to send a “
Recurrent” message
Info:
Reject message occurs before settlement
Return message occurs after settlement
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MOB Entreprises
1. Core scheme :
Exception handling & The R messages (1)
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MOB Entreprises
FAQ8 : migration DOM80
SDD(core)
If a pre-PSD DOM80 mandate covers several
contracts, you can use it further after conversion to
SDD.
New mandate must refer explicitely to the underlying
contract.
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MOB Entreprises
Migration of 'old' BE mandates
Debtor
Debtor
bank
By Nov 1st, 2009
monthly upload
individual
notification of
enriched mandates
data
Active mandates + BIC + IBAN
download request
data of Creditor X
Creditor
bank
Creditor X
request for migration
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MOB Entreprises
FAQ9 Mandate management
-
What was the role of the Bank in a “debtor mandate flow” ?
-
-
SEPA is a “ Creditor Mandate Flow”
-
37 / 37
Archive and manage the mandates
Check on debtor signature
Give the possibility to the customer to open, amend or cancel the
mandates
The creditor is responsible to Archive and manage the mandates
Several Mandate management providers on the market
MOB Entreprises
Other FAQs
Channels
Update Planning Isabel
End date for DOM 80
Depending on joint migration plan
Will be defined when the end-date regulation will be published
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MOB Entreprises
Eindslide
Reserve-slides
voor SDD/PSD
Wet betreffende de betalingsdiensten
van 10/12/2009 gepubliceerd in Staatsblad op 15/01/2010
Transparence des conditions des services de
paiement (art 9 => 14)
opérations de paiement isolées
contrat-cadre
description des principales caractéristiques
l'identifiant unique
délai d'exécution maximal
frais
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MOB Entreprises
Loi relative aux services de paiement
art 38 & 39
Remboursements d'opérations de paiement initiées
par ou via le bénéficiaire
S'applique aux domiciliations "nationales" DOM80 et SDD
Le prestataire de services de paiement du payeur doit
rembourser
si l'autorisation n'indiquait pas le montant exact
et le montant dépassait le montant auquel le payeur pouvait
raisonnablement s'attendre
Contrat-cadre: le payeur et son prestataire de services de
paiement peuvent convenir que le payeur a droit au
remboursement même si ces conditions ne sont pas remplies
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MOB Entreprises
Loi relative aux services de paiement
art 38 & 39
Remboursements d'opérations de paiement initiées
par ou via le bénéficiaire
Contrat-cadre: le payeur n'a pas droit à un remboursement
s'il a donné son consentement directement à son prestataire de
services
les informations relatives ont été fournies au payeur 4 semaines
avant l'échéance
8 semaines
le remboursement est effectué dans un délai de 10 jours
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MOB Entreprises
Droit de refund en pratique en Belgique
Le droit de refund inconditionnel s’applique durant 8
semaines:
aux domiciliations "nationales" DOM80 à partir du 1/4/2010
aux domiciliations européennes SDD – core depuis le
1/11/2009
Au-delà des 8 semaines, Il y a droit de refund durant
13 mois
S’il n’y a pas de mandat valide.
La preuve est à charge :
Du créancier pour SDD & DOM70
De la banque du débiteur pour DOM80
Le droit de refund inconditionnel ne s’applique pas :
aux SDD – B2B
aux SDD – fixed amount (en cours de développement)
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MOB Entreprises
Loi relative aux services de paiement
art 29
Autorisation des opérations de paiement
Le mandat de domiciliation doit répondre aux conditions
suivantes:
Un consentement exprès du payeur
La procuration doit se référer expressément au contrat sous-jacent
(lequel précise la nature, l’échéance…)
La domiciliation ne peut se réaliser valablement que si le
payeur a été précédemment informé du contrat sous-jacent
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MOB Entreprises
Loi relative aux services de paiement
art 45 & 78 délai d'exécution et date valeur
Belgique
Virements: D+1 (papier +1 jour)
Domiciliations:
D+3 jusqu'au 01/01/2012
D+1 après le 01/01/2012
Transfrontaliers (virements & domiciliations)
Jusque 01/01/2012: D+3
D+1 à partir de 01/01/2012
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MOB Entreprises