# Direct debit discount

Source: https://contracko.com/es/glosario/descuento-por-domiciliacion

# Direct debit discount

A small price reduction offered to customers who authorise payment by automatic direct debit.

## Definición

A direct debit discount rewards customers who allow the supplier to collect payment automatically from their bank account, improving payment certainty and cash-flow predictability for the supplier. It is common in utility, telecom and subscription contracts. The discount must be reflected clearly in the pricing schedule and is subject to SEPA direct debit mandate rules.

## Ejemplo

> An energy supplier offers a EUR 1 per month reduction for customers who pay by SEPA direct debit rather than manual transfer.

## Por qué es un riesgo para la empresa

If the direct debit discount is not clearly documented in the contract and pricing schedule, disputes arise when a customer revokes the mandate and the supplier starts invoicing at the full rate. Customers may not realise the discount is conditional, or suppliers may fail to remove it when the mandate lapses, creating inconsistency across the billing system.

## Cómo gestionarlo

- State the discount amount and the condition (active SEPA direct debit mandate) explicitly in the contract pricing schedule.
- Specify what happens to the discount if the mandate is revoked: the full price applies from the next billing period.
- Ensure the SEPA mandate references the correct creditor identifier and that mandates are archived for audit purposes.
- Build a billing system check that automatically removes the discount when a mandate is cancelled or returned unpaid.
- Notify customers in advance before applying the full price, in line with the contract change notification requirements.

### Cómo ayuda Contracko

Contracko stores payment condition metadata extracted from contracts, making it easy to see which agreements carry a direct debit discount and what the triggering condition is. This reduces billing errors when payment methods change across a large customer portfolio.

## Relevante para

[Telecomunicaciones](https://contracko.com/es/sectores/telecomunicaciones)[Servicios financieros](https://contracko.com/es/sectores/servicios-financieros)[Comercio minorista y mayorista](https://contracko.com/es/sectores/comercio-minorista-mayorista)

## Cláusulas relacionadas

- [Payment Terms Clause](https://contracko.com/es/biblioteca-de-clausulas/condiciones-de-pago)

## Términos relacionados

- [Payment terms](https://contracko.com/es/glosario/condiciones-de-pago)
- [Volume discount](https://contracko.com/es/glosario/descuento-por-volumen)
- [Payment default](https://contracko.com/es/glosario/impago)

### No vuelva a perder un plazo de contrato

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## Preguntas frecuentes

Preguntas comunes sobre este término.

- **Q:** Is a SEPA direct debit mandate the same as authorising payment?
  **A:** Yes. A SEPA direct debit mandate is the formal authorisation a payer gives to the payee to collect payments from the payer bank account. It must be provided before the first collection and archived by the creditor.

- **Q:** Can a customer reclaim a direct debit that was taken in error?
  **A:** Under SEPA rules, a payer can request a refund of any authorised direct debit within eight weeks without giving a reason. For unauthorised debits the refund period is 13 months.

- **Q:** Does the direct debit discount need to be shown on the invoice?
  **A:** As a matter of transparency and to avoid billing disputes, it is best practice to show the discount as a separate line item. Tax rules may also require this depending on how the discount is structured.

- **Q:** What happens if a direct debit is returned by the bank?
  **A:** A returned direct debit puts the customer in payment default. The supplier should notify the customer, apply the full rate from the next period and may charge a returned-payment fee if the contract provides for it.

- **Q:** Can a supplier withdraw the direct debit discount without notice?
  **A:** Not in a fixed-term contract without a change clause. In recurring service contracts the supplier typically must give advance notice of any price change in line with the notification period in the contract or applicable consumer law.

## Vea estos términos en sus propios contratos

Suba un contrato y Contracko extrae los términos, fechas y obligaciones clave, y luego le recuerda cada uno de ellos antes de que importe.

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