Scheme specific terminology
| MANDATE | CHARGEBACK | CUSTOMER PROTECTION | PAYOUT | SCHEME IDENTIFIER | |
|---|---|---|---|---|---|
| ACH | Consumer Authorisation | Unauthorised Returns | NACHA and Regulation E | ACH Credit | Company ID |
| Autogiro | Mandate (Autogiro medgivande) | Payment Refund | Swedish Payment Services Act | Credit Transfer | Bankgiro number (Bankgironummer) |
| Bacs | Direct Debit Instruction | Direct Debit Indemnity Claim | Direct Debit Guarantee | Payout (outside the Bacs process, via Faster Payments) | SUN |
| Becs | Direct Debit Request (DDR) | Disputes | No official term, known as AU protection | Direct Credit | User ID / APCA number |
| Becs NZ | Direct Debit Authority (DDA) | Reversal | No official term, known as NZ protection | Credit Transfer | Authorisation Code |
| Betalingsservice | Payment Agreement (betalingsaftale) | Rejection / Reversal | No specific terminology | Credit Transfer | PBS number |
| PAD | Pad Agreement | Recourse / Claim | Recourse | Direct Credit / Direct Deposits (PDS) | Originator ID or GRADS number |
| SEPA | Mandate | Authorised Refund / Unauthorised Refund | Customer protection | SCT (Sepa Credit Transfer) | CID |