Benefits for users (RUBIS)

This page is a translated version of the page Les avantages pour le client (RUBIS) and the translation is 100% complete.

SEPAmail – 1206 Norm
This page is part of the SEPAmail Norm in the context of the #1206 version Unless other indication, this page has been validated by the relevant instances. Thus, it shall be taken into account by all SEPAmail actors.

RUBIS@SEPAMAIL
RUBIS Basics General principles (RUBIS) Benefits for users Use cases The management of debtors enrollment Flows management Used standards The credit transfers lettering Les messages Les messages Les règles métier Les directives d'implémentation Le fonctionnement La protection des identifiants La gestion des refus Le cas d'une entreprise en tant que débiteur L'assurance du transfert des fonds L'aspect créancier L'envoi des demandes de règlements La réception des règlements rapprochement ActivationPaymentRequest/Report<->SCT L'aspect juridique Avertissements pour les utilisateurs

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.

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.

Other languages: