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Easy way to make regular payments

Regular Debit Card Payment

Pay regular bills automatically, such as magazine subscriptions, using your debit card. The payments are agreed between you and the company or organisation, often by telephone. If you need to cancel a payment, you'll need to speak directly to the organisation that set it up.

This is different form Direct Debit (DD), because you can cancel DD at any time, but you need to speak directly to the organisation first to cancel regular debit card payment.

Direct Debit 

DD is convenient to pay regular bills such as gas or electricity automatically, direct from your account. You can cancel DD payments at any time online, via telephone banking or in branch, and you have also to remember to cancel them with the organisation that set them up.

When you fill a direct debit form, you may notice that there is a "Direct Debit Guarantee", so what is the Direct Debit Guarantee? Simply speaking, Direct Debit Guarantee means two things: one is the amounts to be paid or the payment dates "guaranteed", another is security guaranteed, if something go wrong, you may get immediate and full refund.

Standing Order

Set up regular payments for a fixed amount to transfer money to a different bank account, like setting up an allowance for your child. In banking, standing may refer payment is continuing without cessation or change, because standing order payment amount is fixed and the payment is long lasting unless you cancel it.

What’s the difference between Standing Order and Direct Debit? Standing orders are customers' instructions to their bank to pay a set amount, to a named beneficiary, at regular intervals (say on the 1st of the month) – either for a specific period of time or until cancelled. Direct debits are customers' authority for beneficiaries to claim payments (variable in amount and frequency) from the customers’ accounts; and customers’ instructions to their bank to allow the taking of those payments. A standing order requires the customer's bank to send the money. A direct debit requires the beneficiary to claim the money. Typically, a standing order might be used to pay a fixed amount to a savings account or to a local club. A direct debit is more likely to be used to make payments that can vary from time to time – such as mortgage instalments or utility bills. The day-to-day advantage of a direct debit over a standing order is that, as and when the payment amount changes, the beneficiary will claim the new amount automatically – after telling the customer of the change, normally 14 days in advance. With a standing order, customers need to give their bank new instructions each time a change is needed.

What happens when a payment is missed? or simply speaking, if there are no fund in your account to pay. By Direct Debit, if a payment is missed, the supplier can request the missed payment on a number of occasions. If the payments are continually missed over a period of time, the customers bank will cancel the direct debit. The customer pays a significant transaction fee when payments are missed: fees are also charged for every occasion that the supplier requests a missed payment (this adds up very quickly). But, by standing order, the payments are only made if there are sufficient funds in the account. Payments cannot be backdated. If a payment is missed, the standing order will still operate at the next payment date. A bank will usually accept and set up all standing order mandates on their system.

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