Direct Debits

A direct debit is a payment transaction initiated by the payee on the basis of the payer’s consent. Funds are debited from the payer’s account and credited to the payee’s account. Sent direct debits are reported by the payee’s payment service provider.

Direct debits are distinguished according to the direct debit payment scheme used and also according to geographical criteria.

Fraudulent payment transactions are also collected in the statistics. These may involve unauthorised transactions or situations in which a fraudster manipulates the payer into initiating the payment themselves. Fraud may arise, for example, as a result of the loss, theft, or unauthorised acquisition of sensitive data.

The number and value of transactions are stated cumulatively for the calendar half-year.