DDACC = DIRECT DEBIT AND CREDIT CLEARING -> механизм клиринга путем прямого дебетования и кредитования


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Note added at 9 мин (2016-06-01 09:37:15 GMT)
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PART III: DIRECT DEBIT AND CREDIT CLEARING (DDACC) OPERATIONS
43 OVERVIEW OF DDACC
43.1 INTRODUCTION
43.1.1 This section provides a high level overview of DDACC. It covers Direct Debits (DD) and Direct Credits (DC) and their management, how they are controlled, their ownership, how they can benefit the Service Providers and a brief description of the processes involved.
43.2 THE DIRECT DEBIT
43.2.1 The Direct Debit is an efficient way for organisations to collect regularly occurring payments from large numbers of customers. It is a method of collecting payments and Banks are not responsible for any underlying contracts between the Service Provider and the Payer. The Direct Debit has benefits for all parties concerned in the cycle.
43.2.2 The DD can be used by insurance companies, charities, local authorities, public utilities, hire purchase companies, building societies, manufacturers, suppliers and a wide range of other organisations, which collect large volumes of payments.
43.3 DIRECT CREDIT
43.3.1 The Direct Credit (DC) is a system which enables the customer to make payments by electronic transfer directly into bank accounts. It is simple, secure and reliable and dramatically reduces the time and costs associated with traditional methods of payment processing.
43.3.2 Examples of payments by Direct Credit include:
43.3.2.1 Wages
43.3.2.2 Salaries
43.3.2.3 Pensions
43.3.2.4 Expenses
43.3.2.5 Payments to suppliers
43.3.2.6 Interest payments
43.3.2.7 VAT payments
43.3.2.8 Credit card refunds
43.3.2.9 Dividends
43.3.2.10 Savings plans
43.3.2.11 Money Transfer
43.3.2.12 Special Presentations
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