SEPA Direct Debit Procedure eLV for short

You can select your preferred option at the card terminal.

Please proceed as follows:

1. Press the button labelled “Selection” on the card terminal before presenting your card.

2. Only then should you insert or present your girocard at the card terminal.

3. The display on the card terminal will then show a list of available payment methods.

4. Select your preferred method or use another payment method accepted by the business.

You can request this selection list again for every card payment.

REVOLV® allows payments with a girocard via the SEPA Direct Debit procedure using a standing ELV mandate. This means that when you make a payment with your signature, you issue an ELV direct debit mandate, which can then be used for subsequent payments (standing ELV mandate).

Payments with your girocard are still debited from your account promptly. The usual high level of security remains: if your card is reported stolen (see www.kuno-sperrdienst.de), it will be declined.

Paying with a girocard or credit card has been an everyday habit for decades – insert the card into the terminal and authorise the payment with a PIN or signature. With REVOLV®, this process becomes even easier and more convenient.

REVOLV® enhances the convenience of paying via SEPA direct debit. With a single signature, subsequent SEPA direct debit payments at participating businesses can be processed without needing another signature – quickly, discreetly and conveniently.

Additionally, as a cardholder, you benefit from security in case of an unauthorised SEPA direct debit charge to your account: you can dispute such charges within eight weeks from the debit date. Unlike unauthorised charges under the girocard procedure, where you always need to contact your bank, a direct debit refund is usually possible without personal contact with your bank. You can simply use the refund function in your online banking.

If a valid mandate from a previous signature-based payment exists (standing ELV mandate), the mandate management system will reference this mandate for subsequent payments made with the same card. This eliminates the need for another signature. This is made possible by the unique SEPA mandate ID printed on the card payment receipt, which references an already issued mandate.

In some cases, such as higher transaction amounts, a PIN entry may still be required, or a new SEPA direct debit mandate may need to be issued. Every new SEPA direct debit mandate replaces any previously issued one. The new mandate must be confirmed with a signature. The terminal display and/or receipt text will provide relevant information.

Yes, according to SEPA direct debit regulations, a mandate is linked to a specific card. Even if, for example, the digital card version in your smart device’s wallet closely resembles the physical plastic card, it is still a separate card. Therefore, a separate mandate must be issued for each card. A mandate previously issued with another card remains valid, allowing subsequent payments with both cards without requiring another signature.

If any characteristics of your girocard change due to a card renewal (the issuance of a replacement card), you will also need to issue a new mandate for the new card.

Certain businesses use a standing ELV mandate within a network, meaning that subsequent payments at participating businesses within the same network can also be processed via REVOLV®. No personal and/or card data is exchanged between participating businesses. Only the SEPA mandate ID generated by the system during mandate issuance is printed on the card payment receipt for subsequent direct debit payments.

In this case, the card should only work with contact-based transactions, including SEPA direct debit payments. If contactless payments are still possible, please contact your card issuer.

The usual high level of security remains unchanged with REVOLV® and the standing ELV mandate: if your card is reported stolen (see www.kuno-sperrdienst.de), payments using REVOLV® will not be possible.

Additionally, payer protection in the form of the right to claim a refund from your bank remains unchanged with REVOLV® and the standing ELV mandate.

The Credit & Collections Service GmbH (CCS) has been commissioned to collect the outstanding amount. CCS is your sole contact for this matter. Further information and contact details can be found here.

If your card is lost or stolen, you should have it blocked immediately.

1. Contact the nearest police station. This can also be done online at: https://portal.onlinewache.polizei.de/de/. The police will report the loss to the central Card blocking service KUNO, which protects you against unauthorised payments made via the signature procedure.

2. Additionally, block your card with your bank via the Online Blocking Service or by calling the emergency blocking number: 116 116. This will also protect you if your PIN has been compromised.

PAYONE is the service provider that supplies businesses with card terminals. Your data is transmitted and processed via PAYONE’s infrastructure when making a card payment. PAYONE primarily stores and processes your data for contract execution, meaning to process your payment(s). Additionally, PAYONE must comply with contractual and legal obligations that may require storing payment, card and mandate data. These obligations include:

• Compliance with commercial and tax retention requirements (e.g. storing accounting-related data for ten years)

• Preserving evidence under statutory limitation periods

• Processing chargebacks

• If storing the data is no longer necessary for contractual or legal obligations and its purpose has expired, the data will be deleted immediately.

Detailed information on data processing for cashless payments can be found on the Data Protection Information Website for cardholders.