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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.

Authorizations and restrictions

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✅
Authorized
  1. 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. 2.
    You can present the functionalities considered as banking fees to your customers.
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⛔
Restrictions
  1. 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. 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.
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✅
You can bill for the functionalities of detecting the data and filling out the payment order.
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⛔
You cannot bill for the execution of the payment order itself, or for the opening of the account.

Fee classification table

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