04 October 2011

EPC（欧州決済委員会）による既存の自動引き落とし制度に関するサーベイ：現在では利用者のほぼ75%がSEPA（単一ユーロ決済地域）の自動引き落とし（SDD）制度を好んでいる

The findings demonstrate that more than 73 per cent of all direct debit payments in the EU are executed on the accounts of consumers who, today, do not request such mandate checks. The average number of direct debit payments per consumer/year is 68 in countries with a direct debit model not supporting these checks. In countries with more complex direct debit scheme models, this average is around 23. The findings are in line with the experience of bank customers; namely, that millions of direct debits are securely and correctly collected in Europe every day - without checks required to be performed by law.

The EPC would like to invite the EU legislator to take into account proven preferences of the majority of direct debit users. As such, the forthcoming SEPA Regulation should refrain from making mandatory mandate checks which are optional in the SDD Core Scheme. Instead, mandate checking  options should be agreed between payment service providers (PSPs) and their customers.

Full article

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