SEPA SCT and SDD COREB2B in GERMANY

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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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