Return-debit prevention pool
Data pool solutions for individual and industry-specific requirements
Return-debit Prevention Pool (RPP)
SEPA direct debiting is the payment method par excellence across all industries. What all industries have in common is that they face the risk of returned SEPA direct debits (chargeback) if accounts are uncovered. There are further risks which, however, can vary according to the industry.
Your hedge for SEPA direct debiting
While, for example, EC cards stolen at a POS present a high risk for the banking industry, it is in the e-commerce sector that the unauthorized use of bank details leads to bad debts. In both cases we talk about fraud, which is very painful for you as a company, because the chance of having your invoice paid is extremely unlikely. Contrary to locked files, the RPP not only comprises the bank details from a specific segment (e.g. POS), but also bank details from all of the segments described above. Furthermore, information on nearly 250,000 public bank details is available, e.g. from charitable organisations, public offices, clubs, associations and other public institutions. Thus, the RPP also prevents such bank details from being used with intent to fraud.
Using the arvato Financial Solutions chargeback pool, you reduce your chargeback rate and achieve more security for the direct debit payment method that is so very attractive to your customers.
Protect yourself from defaults
Avoid chargebacks by
Rejecting the “direct debiting” payment method for bank data with open chargebacks