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Autogiro Pro

Pagero Autogiro Pro - Consents

General information concerning consents
In order for the payee to be entitled to request payments from the payer's account, the payer must give his consent to the payee. The payer can give their consent in one of two ways:
  • By completing, signing and sending in a form (Autogiro notification, consent or BG 600 P) to your company.
  • By giving their consent via his internet bank.
In connection with each change, when a customer signs a new consent or when a consent is cancelled, the payer will receive confirmation from their bank. A description is given below of how the two types of consent work:
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 payers can give, alter or cancel their consents via their internet bank. Electronic consent is simpler for the payee as the process is automated.
STEP
DESCRIPTION
1
The payer registers a new electronic consent with their internet bank. Information on the consent is forwarded by the internet 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 not correct, the payee may alter it to the correct payer number.
4
Within no more than six banking days, the payee must send a reply to Bankgirot stating whether they approve or reject the consent.
5
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.
6
If the payee receives information concerning electronic consents in lists (forms), the payee will approve or reject them and return the list to Bankgirot.
7
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).

This article applies to:

  • PRODUCT: Pagero eBanking

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