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What is Betalingsservice?

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As Global Head of Content Marketing, Chris oversees all of the content requirements for our organic, growth marketing, and demand generation campaigns. This requires a fundamental understanding of the pain points our customers are experiencing and a thorough comprehension of the ways those customers consume and engage with content. A growth marketing expert in the tech space, Chris has worked with complex global businesses such as Google, AWS, Microsoft, SAP, Adobe, Dell and Oracle to grow their most valuable customers, increase revenue and speed up deal cycles. He has also led on customer lifecycle management programs and account-based marketing strategies for BlackRock, EY, Grant Thornton and UBS. ConnectSee full bio

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David and his team manage relationships with banks, scheme providers, and other parties involved in payment transactions in the UK and Scandinavia. David has worked in the finance and payment industry for over 12 years, primarily focusing on the BACs and Faster Payments schemes. He has sat on governance committees and chaired cross-government public sector working groups. David is also a regular attendee at the SIBOS and MoneyLIVE financial conferences. ConnectSee full bio

Last editedApr 20231 min read

Betalingsservice is the Direct Debit scheme within Denmark, it enables merchants to automatically collect krone-denominated payments from their customers.

Direct Debit is a cashless payment method which revolves around the following two key elements:

Pull-based payments. The merchant (or creditor) can initiate Direct Debit payments, providing that the customer has successfully completed a mandate outlining their authorisation to do so.
Bank-to-bank payments. Direct Debit involves banks directly communicating with the scheme clearing house, Nets. There are no card networks involved.

How to collect Direct Debit payments with GoCardless

1.

Create your free GoCardless account, access your user-friendly payments dashboard & connect your accounting software (if you use one).

2.

Easily set up & schedule Direct Debit payments via payment pages on your website checkout or secure payment links.

3.

From now on you'll get paid on time, every time, as GoCardless automatically collects payment on the scheduled Direct Debit collection date. Simple.

Collect by Direct Debit easily — link your Xero account to GoCardless and set up Direct Debit payments!Learn more about Direct Debit collections

Direct Debit is pull-based

Once a mandate is in place, Direct Debit allows the merchant to initiate payment collection without future action needed from the customer. This is called a pull-based approach and can be an optimal method of payment for the following reasons:

Take control of cash flow. With Direct Debit, it is the merchant who controls when they get paid. This can dramatically decrease the number of late payments they receive.
Convenient automation. Direct Debit can offer a high level of automation with the right tools, resulting in reduced admin hours for both merchants and their customers.
Greater flexibility. Direct Debit allows the merchant to vary payment amounts and frequencies.

Due to the pull-based nature of Direct Debit, customer protection is provided under the Betalingsservice scheme rules.

Direct Debit payments are bank-to-bank

In Denmark, Direct Debit operates through the Betalingsservice clearing scheme, and as with all countries, avoids the need to use any card networks. Operating in this way can be beneficial when taking payments on an regular basis, for example:

Lower costs. Direct Debit payments are typically cheaper than Denmark’s card network.
Higher retention. Direct Debit eliminates the risk of customer churn from card expiry, meaning your customers can enjoy a longer relationship with your service.
Open to everyone. Anyone with a bank account can use Direct Debit to make payments, as long as they have signed a debtor agreement with their bank.

Direct Debit payments through GoCardless

GoCardless is a specialist in online Direct Debit, enabling businesses to take recurring payments internationally without the need to manage the collection process. There’s a variety of ways to start collecting Direct Debit payments from customers; either through our simple online dashboard, connecting to one of our pre-built integrations with 100+ popular accounting and billing software providers, or by taking advantage of our modern REST API and integrating GoCardless into your existing software.