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Banca March - Hacer crecer, seguir creciendoCollections and payments

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correct management of receipts
and payment for a good image of your company

At Banca March we can provide you with a whole range of solutions that will allow you to cover any financial need of your company.

How do we do it?

We generate value for your company:

  • We have a complete portfolio of products and services.
  • We have a team of professionals who will consult with you in a personalized manner in accordance with the needs of your company.
  • We will listen to you and together design a correct management of your cash flow, financing of working capital and a structuring of your long term debt.

Payment management

We offer you the following range of products and services that will allow you to comply with the payment needs and obligations of your company at all times:

Business debit and credit cards

Designed to facilitate the payment and the administration of the traveling and representation costs of your company, as well as to pay for office supplies, equipment and even suppliers. The limits can be adjusted to your needs.

CSBWeb Remittance Generator

To quickly and easily manage payments to employees and suppliers from your own computer.

Agreed payment

Product by which you confirm the promissory notes and invoices that your company receives and our entity shall assume the management of the payments to your suppliers.

Confirming

Management of payments to suppliers. Allows you to:

  • simplify and reduce costs
  • improve your image with suppliers through early payment.

Discover our different models:

  • post-financing and repurchase of invoices
  • multiple holders with shared limits
  • possibility of early payment.

Receipts management

Because we know the importance of making your right to collect payment effective for the profitability of your company, at Banca March we can provide the following collection models. You decide which one best suits your needs.

Point Of Sale terminals (POS)

Will facilitate the payment by your clients by means of credit or debit card. Our managers will advise you on the most appropriate model according to the needs of your business: mobility, multi-currency, internet payments, etc

Credit Advances

By means of which, our entity makes it possible to repay the amount of business sales for specific operations of your business activity.

Invoice collection lines

Through which you will be able to issue remittances of receipts to your clients, comfortably through online banking.

SEPA

The Single Euro Payments Area (SEPA) allows you to carry out electronic payments in euros among residents of the SEPA area, with only one account number and a single set of financial instruments.

The SEPA area comprises 34 countries: 28 in the EU as well as Iceland, Liechtenstein, Norway, Switzerland, Monaco and San Marino.

Below you will find all the details you need to know about this type of payments:

SEPA transfers (payment instrument)

They replace national transfers and have the following features: 

  • Transactions in euros
  • The two accounts involved in the transfers were opened in any of the countries belonging to the SEPA area
  • Equal conditions and fees for domestic and cross-border transactions (countries in SEPA area)
  • The amount will be credited no later than the first business date after the issue date by the ordering bank.

SEPA direct debits (payment instrument)

These are national or international, regular or one-off payments that are processed in any of the aforementioned countries.

There are currently two modalities: SEPA CORE/COR1* (former national direct debit) and SEPA B2B (new type of charge which allows for a reduced return/management period plus the debtor renounces the right to have authorized transactions reimbursed).

These are the main differences:

TYPE OF DEBIT SEPA CORE / COR1* SEPA B2B
*The SEPA COR1 direct debit modality has identical features as the SEPA CORE modality; however, the former's presentation period will be 1 day for the creditor bank.
AIMED AT Transactions among companies and/or private customers Transactions among companies and/or self-employed professionals
RETURN / MANAGEMENT PERIOD Up to 5 days after the settlement date Up to 2 days after the settlement date
REIMBURSEMENT PERIOD FOR AUTHORIZED TRANSACTIONS Up to 47 days after the settlement date Not possible
DIRECT DEBIT MANDATE / ORDER There must be a direct debit order from the debtor already in place. Current orders are valid. New direct debit orders must be set up

Calendar and related webs pages

The use of SEPA instruments has been enforced since 1st February 2014 in accordance with the established in the (EU) Regulation 260/2012 of the European Parliament and the Council of Europe.

Webs:

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