Finance management
Finance management
Overview
- Electronic Postal Orders
- SpeedCollect
- International transfers
- usunieta-Rachunek Wielowalutowy
- Direct Debit
- Bank Account
- Liquidity management
- Accounts
- Deposits
- Domestic Transfers
Global Markets
Global Markets

Globalne rynki dostępne na wyciągniecie ręki. Światowej klasy rozwiązania automatyzujące procesy związane z wymianą walut. Wsparcie ekspertów w zarządzaniu ryzykiem kursowym, stóp procentowych czy też cen surowców.
Overview
- FX Partner
Trade finance and services
Trade finance and services

Globalne rynki dostępne na wyciągniecie ręki. Światowej klasy rozwiązania automatyzujące procesy związane z wymianą walut. Wsparcie ekspertów w zarządzaniu ryzykiem kursowym, stóp procentowych czy też cen surowców.
Overview
Debt financing
Debt financing
Overview

Direct Debit

This is one of the most effective methods of collecting receivables from payers by initiating the debiting of their accounts by the creditor (the client). The receivables are under the full control of the creditor, booked on the payment due date, without the need for reminders.

For companies with many incoming payments, it is important to receive payments on time, described in a way that allows for their efficient posting. Payers - especially consumers - have different payment habits. It is in the interest of the company (the creditor) to offer payment methods that will be convenient for payers and at the same time will allow the company to save time spent on reminding latecomers and on reconciling inflows, while improving its financial liquidity.

BENEFITS

Amount
Date
Renewals

Amount

Crediting the client's account with an amount always corresponding to the amount of the liability (no overpayments/ underpayments/ collective payments).

Date

The date of initiating the collection of the receivable is decided by the client (the recipient), not the contractor (the payer).

Renewals

Automatic renewals of transactions rejected due to lack of funds in the payer's account.

HOW DOES IT WORK?

The entire process can be divided into two stages:

one-time obtaining of consent from the client,
cyclical collection of payments.

Direct debit is a safe and fully regulated service. We operate based on applicable laws and regulated in the interbank agreement on direct debit and the rules governing the activities of the National Clearing House.

THE MOST IMPORTANT REGULATIONS AND RULES

Right to a refund of a direct debit

The payer has the right to a refund of the amount of a completed direct debit without giving a reason within the following deadlines:

8 weeks (56 calendar days) from the date of debiting the payer's account - when the payer is a consumer within the meaning of the Civil Code
5 business days for other payers
13 months for a refund for unauthorized payment transactions, i.e. the Payer has questioned the consent given to the Beneficiary

Right to cancel a direct debit

The payer has the right to cancel an unexecuted direct debit at the payer's bank on the business day preceding the execution date.

Cancellation of a direct debit is not equivalent to withdrawing consent or blocking the account against this type of debit.

Any transaction amount

The amount of a single direct debit transaction is not subject to any limits.

Right to withdraw and record consent

The payer may at any time apply to the bank for confirmation or withdrawal of the consent based on which his account is debited.

Contact us!

Let's talk about the benefits for your company. Please contact your Relationship Manager to find out how our receivables management solutions can optimize the financial processes in your organization. We will prepare an offer tailored to your needs and expectations.

Schedule a call