Step-by-step Licensing


Automatic Returned Debit Processing

Payment for goods at point of sale (POS) and in online shops via direct debit (ELV, OLV) continues to enjoy great popularity also in the SEPA era. In Germany, it has retained its relevancy as an important method of payment over the years. Narrow profit margins in sales have caused retailers to seek cost-effective alternatives to credit cards and electronic cash.

Common disadvantages result from the resource-intensive processing of incidental returned debits and emergent default risks. In recent years, however, reverse debit frequencies and the proportion of complete payment failures have declined significantly (Source: empirical study by EHI Retail Institute). Efficient systems for surveillance and processing – such as bc:pos by Tembit – contribute to this development.

Cost advantages relative to other methods of payment hinge on efficient and successful returned debit processing despite individual irredeemable claims. This is why we developed bc:pos:


  • efficient and automated processing of returned debits
  • automatic generation, processing and evaluation of resubmissions (so-called ‘trial run‘) aiming for a collection of the major part of outstanding claims while forestalling further steps and associated costs
  • process-driven task execution aimed at tracing the card owner’s address including receipt requests and bank letter composition for address disclosure
  • setup and administration of blacklists to preempt purchases by card owners in default
  • support of partial payment agreements with the card owner via direct debit by installments
  • user-friendly reports on collected and outstanding claims
  • software-driven data analysis, e. g. for detection of deliberate abuse
  • user-friendly administration of retailers, branches, banks, card owners and blacklists
  • automatic generation of various letters based on templates (receipt request, bank letter, overdue notice, etc.)
  • complete dunning process and collection management hub