Build a compliant billing offer
All banking fees are legally framed and supervised by a regulator (in France, the regulator is the Autorité de Contrôle Prudentiel et de Résolution). Some fees are capped or forbidden because they are considered abusive (depending on the account holder’s status). That’s why only regulated entities can bill banking fees as they are subject to the regulator’s supervision.
Swan Partners are not acting as a regulated financial entity, so you cannot bill directly for banking fees.
However, if the product you’ve built brings value in the preparation of payment orders (or in some other way), you are authorized to bill this functionality under the appropriate denomination. In order to do so, your product must add value for your client.
Authorized
✅
- 1.You can charge your customers for all the functionalities not considered banking fees. If your product improves or eases the preparation of payment orders, you can bill this functionality directly.
- 2.You can present the functionalities considered as banking fees to your customers.
Restrictions
⛔
- 1.You cannot charge your customers for banking-related fees. Opening an account, ordering a payment, or using a card must not appear in your price offer.
- 2.You cannot present your offer with wording reserved by law to the banking and payment services bill. The banking fee descriptions are harmonized by law in order to guarantee better comprehension by all customers. Its use is exclusively dedicated to the presentation of banking fees.
Swan must verify your billing offer regarding the payment-related options before you go live to confirm you aren't billing for unauthorized fees.
Example: Let's say your product helps detect the amount to be paid, the execution date, and the counterparts of an operation, and fills out the payment order to be sent by your customer.
You can bill for the functionalities of detecting the data and filling out the payment order.
✅
You cannot bill for the execution of the payment order itself, or for the opening of the account.
⛔
Any fee classified as
banking cannot be billed directly to your customers.Fee classification | Description |
|---|---|
Debt collection | Fees connected to collecting debts |
Software | Preparation of payment orders |
Other | Fee for shipping a debit card |
Other | Improper use of the account |
Banking | Subscription to remote banking services |
Banking | Subscription to products including account status SMS alerts (per alert) |
Banking | Subscription to products including account status SMS alerts (per month) |
Banking | Payment acquisition services |
Banking | Account funding by credit card |
Banking | Payment card with systematic authorisation |
Banking | Deferred debit card |
Banking | Immediate debit card |
Banking | Provision of a credit card |
Banking | Provision of a debit card |
Banking | Fee for closing the account |
Banking | Stop fees for direct debit |
Banking | Account administration |
Banking | Fee per inactive account |
Banking | Monthly provision of a statement of transactions carried out on the account, in paper format |
Banking | Fees per instant transfer |
Banking | Payment by card |
Banking | Cash withdrawal |
Banking | Receipt of a non-SEPA transfer |
Banking | Transfer |
Banking | Document search fee (drafting a circulation letter for a legal entity holder) |
Banking, Incidents | Intervention fee |
Banking, Incidents | Fee for the notification letter for unauthorised account in debt |
Banking, Incidents | Fee for non execution of a standing order due to lack of funds |
Banking, Incidents | Fee for direct debit rejections due to an insufficient balance |
Banking, Incidents | Stop fees for the card |
Banking, Incidents | Processing of judicial or administrative seizures, notice to third party holders |
Banking, Incidents | Charges for seizure of account |
Banking, Incidents | Fee for information missing or incorrect related to a transfer |
Banking, Incidents | Charges for notifying the Banque de France of a decision to withdraw a credit card |