Things to keep in mind before turning a bank charge to a new customer

Bank charge to a new customer?

Often we do not know how to decide what is the appropriate payment method with our clients, although it is true that the greater the range of possibilities that we provide to our clients, the greater the facilities we will be providing to expand our portfolio.

However, it goes without saying that some types of bank charges involve a risk of default that always varies depending on the amount we are turning to the client, the history we have of this.

Offer the banking charge to a new client

This is the eternal question that gives the biggest possible headaches to the administrative and accounting departments of companies.

bank account

Obviously, the recruitment of new customers depends largely on offering more facilities and payment methods to these, so the bank charge may be the most convenient way to settle the payment of bills despite the fact that it entails a risk.

Is it advisable to offer the bank charge to a new client in the first instance?

Due to our experience in charging incidents of this type, the answer to this question is not completely clear. While it is true that there is a certain degree of distrust and uncertainty when offering this form of payment to a new client, in this way, we will also be getting a new opportunity to expand and improve our client base, which in the end They are what determine the annual volume of our business.

Select customers

If we want to avoid encountering the unpleasant surprise of a first default produced by a new client, perhaps it is a good exercise to make a first selection of those customers to whom we wish to offer this form of payment.

For this and starting from the basis that they are new customers, if we have ignorance of their trajectory as debtors or their payment behavior, we can accept something as simple as checking if this company is also host to a similar debit collection system to Cobratis Spain.

Start little by little

After the reform of the bank receipts that were established in the old notebook 19 of which we already reported in the past year 2014 (it has already rained), this new European format that was called CORE became very popular.

The basic problem that also dragged this option was that it had exactly the same limitations as its predecessor made in Spain notebook 19: TWO MONTHS TO RETURN THE RECEIPTS.

For this and that could be limited to a large extent, a system of bank charges was developed that eliminated this problem in the defaults, it was called the B2B Booklet that we also explained previously.

Although this notebook seemed to be the most appropriate to end undesirable situations of default, its lack of operation as well as the need to be regulated by a mandate that had to be signed in a handwritten form by the two parties in the bank, rest fluidity, speed and operability to the process, being the CORE format the most used and extended nowadays, despite the risks involved in its use.