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- bewidata sends the aging schedule (as a file and as a PDF) to the affiliate company. This lists all invoices released for payment and due by the affiliate company, as well as the submitted credit notes and debits.
- The contract supplier receives a settlement list stating the invoices due for payment.
- The payment transaction files are created from the information in the aging schedule and regulation list, which are then cleared via the principal bank connections of bewidata.
- The due payments of the affiliate companies are collected primarily via SEPA corporate customer direct debit B2B.
- The settlement to the contract suppliers is carried out via SEPA transfer.
- The association receives a statement of the retained conditions along with a payment by SEPA credit transfer.
The del credere management is carried out for each affiliate company of an affiliated group without any limitation with regard to the contractual supplier – i.e. without any limits.
In contrast to other protection models, bewidata does not assign individual limits per affiliate company vis-à-vis the contract supplier, up to the limit of which the protection is maximally effective.
Neither is there a maximum compensation limit for the secured supplier for all the secured affiliate company risks. In this respect, the del credere service of the central regulator is also without any limit.
Del credere management is carried out at the full nominal amount of the invoice (gross invoice amount minus discount and conditions), i.e. 100%.
In contrast to other protection models, bewidata does not stipulate any protection quotas (e.g. 80% of the invoice amount), the contractual supplier does not bear any deductible for the risk of default.
Furthermore, no pre-risk (until the pre-risk limit is reached, the contract supplier bears 100% of the risk) limits the liability of the central regulator.
The del credere payment to the contract supplier is always made in the first condition upon confirmation of the invoices.
In contrast to other protection models, at bewidata, payments are not delayed until after a defined case of damage has occurred (for example, after filing for insolvency or after completion of the dunning procedure).