Managed SEPA e-mandate Processing
The Managed SEPA e-mandate System from P4 provide’s a
Secure, resilent and cost-effective solution for banks
and payment service providers.
Features
Payment page – the SEPA Transaction system delivers a whitelabelled
payment page for the online customer with authentication features like
signature, SMS, PIN-TAN, email and quality call.
P4 offers a simple way to connect
over only one single interface tothe
SEPA e-mandate Processing System.
..............................................................................
Riskmanagement - the SEPA Transaction system is connected to
several different external Risk Assessment tools that provide a greater
overview to minimize the default risks. Each Bank or Payment Service
in your processing needs.
..............................................................................
decide whether a transaction will be declined.
Minimum costs
- the SEPA Transaction system automatically
fully
automated
mandate
chargeback management.
and
..............................................................................
At this point the rules of the European Payment Council are fundamenaccess to a common Payment method in Europe.
tally taken and followed.
The SEPA Transaction - system daily exports the successful trans-
..............................................................................
Customer Satisfaction
Direct-Debit customers can process
after the 01.02.2014.
Bank communication - the SEPA Transaction system accepts upon
request the direct communication with the banks. That means that P4
Solutions SEPA Transaction system automatically transfers the bank
..............................................................................
access to more than 600 million
Europeans.
a processing protocol, the receipt is checked and ensured by the bank.
– a bank usually sees each posting separately and they do not connect them to our postings themselves, this is
done by the SEPA Transaction system. The SEPA Transaction system
the SEPA transaction system.
P4 your SEPA eMandat experts
www.p4-solutions.de
1
Designed for banks and payment service providers to offer the common
European payment method Direct-Debit with the SEPA e-mandate.
SEPA Transaction System
2
3
4
SEPA
Merchant
Payment Page
SEPA Direct Debit
e-mandate Generator
Mandate Server
5
1
Merchant Bank
8
6
10
7
9
10
12
11
SEPA-Processing System
Customer Bank
Customer
1
Order placed online
5
Mandate ID generated
9
Processing from merchant bank to customer bank
2
Paid in shop by SEPA Direct Debit
6
Entry / AVIS
10
Back to bank in event of returned direct debit
3
e-mandate generated
7
PAIN* file created
11
Matching
4
e-mandate saved on Mandate Server
8
PAIN file transferred to bank using EBICS**
12
Feedback to shop / merchandise management system
*PAIN - The Payments Initiation is the message type which is used for the communication to the customer bank
**EBICS - The Electronic Banking Internet Communication Standard is a transmission protocol for banking information for usage by banking clients
P4 Solutions is a solutions provider specialising in online business, which provides PSPs/ISOs and banks with
individually developed gateways and software for online payment processing. P4 has an individual SEPA e-mandate server for online business and offers a complete solution for PSPs, ISOs and banks to handle this. P4 has
been one of the leading specialised solutions providers in Europe for technical processing of direct-debit and
www.p4-solutions.de
10 years of experience in Online Business.
Solutions and gateways for online payment processing.
-
Specialized supplier for payment service providers and banks.
please call: +49 261 988 535 0
e-mail:
[email protected]
P4 your SEPA eMandat experts
www.p4-solutions.de
2