View source for Les avantages pour le client (RUBIS)/en

{{Norme 1206/en}}
{{TOC RUBIS/en}}
[[Catégorie:RUBIS|avantages]]
== For the creditor ==
* business and trust relationship which is maintained with its bank
* an electronic transmission of payment requests, leading to postal costs savings and a full integration of the invoicing process 
* the possibility, later, to propose several means of payment (credit transfer, card, direct debit) 
* a reconciliation automation (lettering) 
* a reduction of management costs 
* a minimised risk for its customers data management. The reason is that the QXBAN cannot be used directly for money transfers as it is the case for bank card numbers IBAN 
* a compatibility with the IBAN data in case it owns some
* an option, restricted to creditors issuing invoices, to use the RUBIS enrollment service as well as an increased visibility thanks to the creditors referential 
* a storage of the initial request track in case of dispute.  
== For the debtor ==
* business and trust relationship which is maintained with its bank
* the systematic validation prior each payment, managed by the customer
* the choice of means of payment and of the account to be debited, depending on its banks proposal. The bank may manage a credit transfer from an different account from the one linked to the QXBAN 
* the channels use: remote banking, ATM, mobile or directly its information system for a company
* a 24/7 availability
* a capability to supply automatically an electronic safe in order to store the invoice and its settlement elements
* a simplification to get in touch with creditors, either with the RUBIS enrollment service or with directly using the bar-code format of the QXBAN (this format is called the RIS2D) 
* a security to get in touch with creditor: 
** with a protection of its bank account ID as it only spreads an alias of IBAN 
** with the need for the debtor to provide the creditor with its QXBAN identifier, either directly (SEPAmail, mobile, MMS or email) or using the RUBIS enrollment service.

<languages/>