With a direct debit you authorise a company (the collector) to withdraw an agreed amount from your business account either once or regularly for example monthly. The condition is that there is always sufficient balance in this account so the collector can collect the money.
"}},{"componentType":"accordion","accordionList":[{"title":"Suppose you don't have enough balance...","richBody":{"value":"Is there insufficient balance in your business account? Then we will try to process the direct debit for four working days. We will also try this during an intervening weekend or on a public holiday and those days do not count as working days.
"}}]},{"componentType":"sectionTitle","title":"How do I give a business authorisation?"},{"componentType":"paragraph","richBody":{"value":"To be able to pay via direct debit you must authorise a company. Complete the company’s authorisation form and return it signed. You can also give an online direct debit authorisation if the collector uses this option. You will then be redirected from the collector’s website to My ING Business where you provide and register the authorisation. Do you want to view an existing authorisation? You can do this via your direct debit overview.
"}},{"componentType":"accordion","accordionList":[{"title":"The two direct debit variants: Standard and Business","richBody":{"value":"The collector determines which type of direct debit is used: Standard or Business.
With a Standard direct debit a company may collect from both private and business customers. As a paying customer you have the option to reverse the amount.
A Business direct debit is only suitable for collecting from business customers and once executed it cannot be reversed.
Standard | Standard | |
|---|---|---|
Type of customer | Private and business | Business only |
Method of authorisation | Written and online | Written and online |
Reversal period for debtor regardless of reason | 56 calendar days | 0 days |
Reversal period for debtor incorrect direct debit | 13 months | 0 days |
Registration of authorisation by debtor at their bank | No | Yes |
If you have given an authorisation for a business direct debit, you must also register it with ING. We check whether the details of the direct debit transaction match the registration. This extra check is necessary because a business direct debit cannot be reversed once it has been debited.
"}},{"title":"Roles and responsibilities","richBody":{"value":"Several parties are involved in a direct debit.
The customer: Gives permission to the collector to collect and registers this with the bank
The collector: Instructs the bank to collect from the customer after receiving the correct authorisation
The bank: Executes the instruction
If you have authorised a company to automatically withdraw money from your account, you can only change or cancel this authorisation by submitting a request to that company, not to ING. Contact the company to agree on the best way to arrange this.
Via your direct debit overview you can block and refuse direct debits yourself, reverse (return) payments, report incorrect direct debits, manage authorisations and set a maximum amount. On the service page you will find more information about this.
"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"View your direct debits","image":{"transformBaseUrl":"https://assets.ing.com/transform/3715894a-612b-49e0-bbc6-f31c3f57b00d/sector-update-overzicht","type":"image","width":1920,"original":"https://assets.ing.com/m/3a87ad3ee9b31809/original/sector-update-overzicht.jpg","extension":"jpg"},"link":{"url":"https://mijnzakelijk.ing.nl/banking/orders/direct-debits"}},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Go to the service page for paying by Direct Debit","image":{"transformBaseUrl":"https://assets.ing.com/transform/4eadfc6f-7519-4ee8-a369-a08d5bd655e0/PORTRAIT-OF-FRIENDS-LYING-ON-GRASS","type":"image","width":5502,"original":"https://assets.ing.com/m/3376a75f225170e/original/PORTRAIT-OF-FRIENDS-LYING-ON-GRASS.jpg","extension":"jpg"},"link":{"url":"/zakelijk/betalen/incasso/alles-over-incasso"}}]},{"componentType":"sectionTitle","title":"Frequently Asked Questions about Paying by Direct Debit"},{"componentType":"accordion","accordionList":[{"title":"How can I be collected via a business direct debit?","richBody":{"value":"Then give a (SEPA) authorisation to your supplier to collect from you. Also register this direct debit authorisation with your own bank. You can register the authorisation online in My ING Business. The authorisation is registered immediately and you have proof for the supplier. Want to change or cancel an existing authorisation? You can easily do that in My ING Business.
"},"textLinks":[{"url":"https://mijnzakelijk.ing.nl/banking/orders/b2b-mandate-overview","text":"Do it directly in My ING Business"}]},{"title":"How can I reverse an incorrect direct debit?","richBody":{"value":"Reversing an incorrect direct debit depends on the direct debit contract.
Standard Direct Debit
Has a standard direct debit been incorrectly debited from your business account? Then you can easily reverse this amount. This can be done within 56 days after the amount has been collected from your business account. After this period you can submit a Report of incorrect direct debit.
Business Direct Debit
A business direct debit cannot be reversed. That is why you must always register such an authorisation first, so that we can check the details in advance.
You can set a maximum amount per authorisation. You do this as follows:
A pop up screen will now appear. Check the details and move the slider at the bottom to the right by clicking on it.
Then enter the maximum amount and click on ‘Save’.
The maximum amount is now set and immediately visible in the authorisation itself.
"}},{"title":"Business customer but no Mijn ING Zakelijk?","richBody":{"value":"Then you can log in to Inside Business and use the authorisation registration form. You will find this registration form after logging in to the Knowledge Centre under the name B2B mandate registration. If you do not have access to Mijn ING Zakelijk or Inside Business, or if you receive an error message during registration, please contact us.
"},"textLinks":[{"url":"https://insidebusiness.ingwb.com/cpa/ekc-knowledge-center/index.html?id=c08e1f29-f42f-40d3-9a0b-70ac8a3bee7c&type=2","text":"Go to Inside Business."}]}]},{"componentType":"linkList","iconTitle":{"title":"Payments"},"textLinks":[{"url":"/en/business/accepting-payments","text":"Accepting payments"},{"url":"/zakelijk/betalen/betalingen-doen","text":"Executing payments"},{"url":"/en/business/payments/cash","text":"Cash withdrawal and deposit"}]}]}}}