Direct debit mandates really are the ugly stepchild of @EPC_SEPA payments. No digital authorization standard, no mandate tokens, no standardized creditor registry.pic.twitter.com/4ZWWFCoD6z
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Yes and no. This is definitely value-pricing, not cost-pricing. On the other hand, there are loads of costs a bank makes for which they don’t charge their customers directly so they have to make it up somewhere.
Ah wait, you didn't refer to bank fees but payment providers. Similar reasoning applies (something needs to pay for support tickets and the lawyers), but definitely still high margin.
If you have a couple of hundred direct debit transactions, there is definitely a case for running your own through the bank vs using a payment service provider. Especially if practically all your transactions are direct debit.
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