Pagero Autogiro Micro Consent
The basis for the payee being entitled to request payments from the payer's account is that the payer gives his consent to the payee. The payer can give his consent to the payee in one of two ways:
- Consent on a form to the payee.
- Electronic consent to their internet bank.
A description of how these consents work is given below:
Form-based consent
STEP | DESCRIPTION |
|---|---|
1 | The payee sends consent forms to their customers (payers). |
2 | The payer fills in and signs the form and then returns it to the payee. |
3 | The payee registers the consent and sends the information to Bankgirot. The payee archives the consent that they received from the payer (in accordance with the Swedish Annual Accounts Act). |
4 | Bankgirot enters the information concerning the new consent in its consent register. |
5 | If the payer or the specified bank account is not already listed in the consent register, Bankgirot will check that the payer's bank will allow the bank account to be debited in Autogiro. |
6 | Bankgirot will collate a data file: Consent notification, which the payee receives from Bankgirot. The file contains confirmations of approved consents and error messages for rejected consents. The payee can also receive this information in a list. The payer's bank sends a notification to the payer when the consent has been approved by the bank. |
7 | No earlier than six calendar days after the information on the new consent has been received by Bankgirot, the payee can execute the first payment from the payer's account. |
Electronic consent
Electronic consent means that the payer can give, change or cancel their consents via their internet bank. Electronic consent is simpler for the payee, as the process can be automated.
STEP | DESCRIPTION |
|---|---|
1 | The payer registers a new electronic consent with their internet bank. Information on the consent is forwarded by the internet bank via Bankgirot to the payee. |
2 | The payee receives information on new electronic consents in a data file from Bankgirot. Pagero Presentation will help you to view incoming material. |
3 | The payee checks that the information in the electronic consent is correct. If the payer number specified by the payer is incorrect, the payee may alter it to the correct payer number. Within no more than six banking days, the payee must send a reply to Bankgirot, stating whether they approve or reject the consent.
If the payee receives information on electronic consents in a data file, the payee must return a data file containing information on whether the consent is approved or rejected. When the payee receives information concerning electronic consents in lists (forms), the payee will approve or reject them and return the list to Bankgirot. |
4 | Bankgirot will send a notification to the payer's internet bank, stating that the consent has been approved or rejected (in the case of some banks, the payer will be notified by post). |
- Type of consent:If your customer gave their consent on a form, “Consent on paper” should be selected. If information on the consent was received from Bankgirot, this means that the customer applied for consent via their internet bank. In this case, Autogiro electronic consent should be selected. You should then fill in the information you have received and approve or reject the consent.
- Payer number:See the section on Payer number.
- The payer's account number:Account numbers are specified with the sort code on the left (four characters) and the account number on the right.
- Unique ID number:When replying to an electronic consent, it is not the account number that is specified but a unique ID number created by Bankgirot. This unique ID number always starts with ‘9918'.
- National ID number or organisation number:National ID numbers are specified according to the format YYYYMMDD-XXXX. The program automatically formats the national ID number if it is written in a different format. If organisation number is used, it must always start with 00.
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