KalplexGuide
Both let shoppers pay after delivery. The difference is who has to act for the money to arrive.
| Plain invoice | SEPA Direct Debit (merchant-run) | |
|---|---|---|
| Who starts the payment | The shopper, by bank transfer | You, on the scheduled date |
| Late payment | Common; needs manual reminders | Only if the debit is returned |
| Reconciliation | Match transfers to invoices by hand | Each debit carries the order reference |
| Shopper's refund right | n/a — they simply don't pay | 8 weeks under SEPA Core |
| Payment risk | Yours | Yours, reduced by automatic collection |
| CCD2 | Excluded if interest-free, fee-free, within 50 days | Same |
Account