| 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 |