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The electronic direct debit procedure (ELV, called EPS in Canada) is worldwide one of the most popular payment methods at all. Therefore, it is also one of the standard payment methods in many online casinos. The reason for the popularity is that simple, convenient and familiar procedures which almost every bank customer has already used. Today, there are further developments with Sofortüberweisung and Giropay that are even faster.
The direct debit is very popular, especially in German-speaking countries. In Germany, for example, direct debit accounts for almost half of all electronic money transactions. No wonder, they are also issued if you pay, for example, at the cash desk with the debit card. A higher transaction amount is paid annually by direct debit than by bank transfer.
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How does the direct debit work?
The direct debit procedure is probably the easiest payment option ever . Because unlike the transfer, it is not the payer himself who actively carries out the payment process, but instructs the payee to do so. For this, he gives him the data of his current account and issues a official direct debit authorization . The creditor, for example the online casino, submits his claim with the direct debit mandate to the customer's bank, which is the first collection agency. This gives the creditor a provisional credit directly, which is granted to the " Reserved entrance “ shall. The customer's credit institution shall redeem the direct debit with the consent of the payer by debiting the account.
If in the past a distinction was made between the direct debit authorization and the debit order, recently only the uniform SEPA direct debit . The former procedures were abolished by the dollar-Paean Union, partly because they were too unsafe. SEPA direct debits are available in all SEPA participating countries. This includes all EU member states, but also, for example, Switzerland.
Pay in the online casino with direct debit - that's how it works!
The easiest way to tell if an online casino accepts direct debit is by
EC-Direct debit symbol
(see above). If this cannot be found quickly, the overview of the payment methods, which can often be found in the help section, will help.
If you want to top up your casino account with the electronic direct debit procedure, you only have to enter your name (or that of the account holder) and your IBAN on the corresponding page. The BIC, i.e. the bank code, is automatically read out of it. With the sending of the direct debit order, the authorization for the account debit is granted. The banks now regulate everything else among themselves.
With 20 (Canada) and 22 digits (Germany), the newly introduced IBAN is a really long house number. But remembering them is not difficult at all. At least, if you, like many, already know your account number and sort code by heart anyway. Because exactly these numbers follow the two-digit country code (CA, DE, etc.) and the also two-digit check digit (e.g. 26). By the way, we still have a relatively humane
IBAN
. In countries such as France and Italy, it even includes 27 jobs. The syringe rider is Malta with 31 positions.
In the online casino, the advantage of the direct debit, for example compared to the classic bank transfer, lies in the speed of the credit. If you choose this payment method for your deposit, you usually have within seconds or minutes the balance on his account and it can be used directly for bets at Play Casino use. In addition, casinos offer the direct debit procedure in contrast to Creditcards or PayPal is almost always free of charge.
Payment by direct debit?
Since the direct debit is a direct debit procedure, no payment of the casino balance can be made with it. If you want to receive your money into the same account from which the deposit was made, you must Bank transfer as a withdrawal method select. Withdrawals by bank transfer are usually also free of charge, but take much longer than withdrawals by PayPal, Neteller or Skrill. So direct debit can not be chosen as a withdrawal method, but with the transfer you still get your winnings to the bank account.
How secure is the payment by direct debit?
In principle, the direct debit is a secure payment method, since the debtor and account holder consciously choose a
Issue a direct debit authorization
must be done before the bank debits the money from your client's account and credits it to the creditor. By means of the so-called mandate reference, approval and recipients of funds can be easily identified. Both companies and private individuals cannot carry out direct debits without direct debit authorization.
The greater risk lies with hackers rather than the bank. These could intercept the account data during the transfer between the customer's computer and the casino's server and then use the bank details to drive other people crazy. Therefore, you should always make sure that the website has a encrypted data connection , a so-called SSL connection. This can be recognized by the green check mark in the browser line and the URL component "https" (instead of "http"). Hackers have no chance with such an encrypted data connection.
In addition, the payee is obliged to inform the payer at least 14 days before the debit, when exactly this takes place and what amount will be debited. So he still has enough time to react to errors. Shorter deadlines are only possible if they have been agreed in advance. This is at Online casinos this is often the case, so that the desired amount is available on the customer account in a timely manner.
If all this does not help and there is an unwanted direct debit from the account, then the person concerned does not need to worry much. He can make any direct debit revoked within eight weeks and thus let you book back at no cost. Not even reasons need to be given for this. In the case of unauthorized debits (if payers have not issued a mandate or have already revoked it), there are even 13 months available to recover the money.
Advantages of direct debit
The electronic direct debit procedure is not so popular for no reason. It has some advantages to offer:
- Also accepted: As a standard method, there is hardly an online casino in dollarpa that does not accept the direct debit.
- Uncomplicated: If you want to make a deposit from your bank account, you do not have to make the transfer yourself, but simply ask the creditor to debit.
- Toll: Although you do not have to become active yourself, the direct debit is a fee-free payment method.
- International: The SEPA direct debit is an international procedure that enables cross-border payment transactions with all participating countries free of charge.
- Sure: The direct debit must be authorized by the payer and announced by the payee. In addition, there is the possibility to have unjustified direct debits charged back free of charge within eight weeks without giving reasons.
- Transparent: Direct debits usually have to be announced two weeks before debiting with date and amount. Each transaction is assigned to a reference on the bank statement, which can be used, for example, to verify the permission for the collection of money.
