Germany’s PAY.ON, the international provider of web-based payment infrastructure services, has integrated the single euro payments area (SEPA) direct debit (SDD) payment process from P4 Solutions into its network. 

The PAY.ON platforms have supported SEPA payment processing already for some time, but by integrating P4 Solutions, a further SDD payment process solution is now available to PAY.ON clients. PAY.ON claim that this will give their merchants enough time for the technical implementation by 1 February 2014 and to actively prepare their end customers for the SEPA payment process. The PAY.ON application programming interface (API) provides access to around 300 payment providers in total, including more than 100 payment types.

P4 eMandate solution
The P4 Solutions SEPA Mandate system is accustomed with the German bank system and is suited for any online commerce. The SEPA mandates are provided with an electronic authentication and are accessible to all parties via an independent mandate server.

Mandate Generator

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The P4 Solutions SEPA Mandate system supports the following authentication methods:

• Digital signature
  The digital signature is made possible simply by signing in a signature field, on a computer with a mouse or evenon a touch screen with a pen or your finger. This digital signature is very similar to a POS System with signature.
• SMS Authentification
  Here, a confirming code will be sent via SMS to the previous entered mobile phone number. This code must be entered on the mandate website for confirmation.
• PIN / TAN Authentification
  The mandate is confirmed by using the client’s bank account information, PIN and TAN giving by an online transfer. The transaction is assured by validating the existence of the account and is finalized when the client proclaims his willingness to make the initial online transfer.

Amran Khalid, director international sales for P4 Solutions added: “Direct debit, which is popular in Germany, can continue to be offered beyond 1 February 2014 by means of the P4 SEPA connector. 

“Contrary to the recommendation issued by the German banking association, the SEPA rule book does not require a written paper or fax mandate. The e-mandate tool from P4 Solutions, available as part of the solution provided by PAY.ON, makes it possible to perform this virtually in a secure manner.”