Direct Debit Authorization: Fill & Download for Free

Actually, Stanislas Polu (one of Software Engineers of the company) wrote in the official blog of the organization that now they work with 5 new European payments methods: Bancontact, GiroPay, SOFORT, iDeal and SEPA Direct Debit, and how, any European business can activate 3D Secure for their clients.In the case of SEPA Direct Debit, they put this in their docs:Stripe users in Europe can use Sources—a single integration path for creating payments using any supported method—to accept SEPA Direct Debit payments from customers in countries within the Single Euro Payments Area.During the payment process, your integration collects your customer’s EUR-denominated IBAN bank account information. SEPA Direct Debits require the bank account holder to accept a mandate (debit authorization) that allows you to debit their account. A Source object is then created and your integration uses this to make a charge request and complete the payment.Within the scope of Sources, SEPA Direct Debit is a pull-based, asynchronous method of payment. This means that you take action to debit the amount from the customer’s account. It can take up to 14 business days to confirm the success or failure of a payment.BTW, if you have any comment, question or problem with this, Stanislas let his email in the post: [email protected]

Once a direct debit is set up, you can use GoCardless (http://www.gocardless.com) to charge against direct debits without getting the customer involved.You can do this in two ways:Subscriptions - once a user signs up to a subscription (e.g. £100/month rent for 6 months), they don't have to do anything more. They will be charged automatically every month for what they signed up for.Pre-authorizations - a user can authorize you to take payment (e.g. up to £500 / month in fees for a year). You can then trigger an API call to bill against the authorization whenever you want to collect the payment - again, meaning the user doesn't have to do anything after the initial limit is set up (you can see how here, using the Ruby library: Ruby Library For Merchants)Hope that helps.

You might be able to get your money back after you’ve been scammed.What you should do, and whether you’ll get a refund, depends on what happened and the steps you take.Managing someone else’s bank accountIf you're helping someone who's been scammed, there are ways you can manage their bank account for them. You might need to do this if you want to stop payments or claim back money.The person you're helping needs to fill in a form giving you permission to manage their account. This is known as a third party mandate. Most banks have a third party mandate on their website.If the person you're helping wants you to manage more than one account, they might need to give you power of attorney. They might also need to give you power of attorney if you have to manage their finances for a long time.If there’s an unknown payment from your accountContact your bank immediately if:there’s a payment from your bank account you don’t recognize – this is known as an 'unauthorized transaction'you’ve used your debit card and more money was taken than you expectedExplain what’s happened and ask if you can get a refund. If you’re not happy with how the bank deals with your claim, you can complain to them. Find out how to do this by checking their website.If you’ve bought something from a scammerThere might be ways you can you get your money back – it depends on how you paid.If you paid by card or PayPalIf you've paid for something you haven't received, you might be able to get your money back.Your card provider can ask the seller's bank to refund the money. This is known as the 'chargeback scheme'.If you paid by debit card, you can use chargeback however much you paid.If you paid by credit card and the item cost more than £100 but less than £30,000, you might be able to claim under the Consumer Credit Act - this is known as a 'Section 75 claim'.If the item cost less than £100 and you paid by credit card, you can't use Section 75, but you can use chargeback.If you paid by bank transfer or Direct DebitContact your bank immediately to let them know what’s happened and ask if you can get a refund.Most banks should reimburse you if you’ve transferred money to someone because of a scam. This type of scam is known as an ‘authorized push payment’.If you've paid by Direct Debit, you should be able to get a full refund under the Direct Debit Guarantee.If you used a money transfer serviceIt’s unlikely you’ll be able to get your money back if you’ve paid through a wire service such as MoneyGram, PayPoint or Western Union.Even if you can’t get your money back, there are other things you can do – like reporting the scam and getting financial or emotional support.Report the scamIt's a good idea to report the scam – even if you haven’t got your money back yet.Check ( oxo wealth recovery) on how to report a scam and recover your money.