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ems-Lastschrift is a simple and safe online service enabling creditors to receive authorisation of a SEPA direct debit mandate from their customers (debtors). This is a prompt, electronic procedure without media discontinuity.
All data file transmission is encrypted and all participants (creditors, debtors, banks) have to authenticate themselves. 

ems-Lastschrift benefits companies from all sectors in different payment situations. Such companies include web shops, insurance companies, telephone providers, utility companies, real estate management companies for the payment of goods, insurance premiums, premium payments for building society savings schemes, instalment payments, etc.

A SEPA direct debit mandate can be obtained on the Austrian market electronically with minimal technical input and without losing time (e.g. by using regular mail services).


With the ems-Lastschrift you can reach all Internet banking customers of banks participating in this standard *).

ems-Lastschrift is multi-bank compatible and SEPA-compliant. With only one standardised technical XML interface and using SEPA formats, you have access to all (Austrian) banks participating in this service.

ems-Lastschrift operates real-time: SEPA direct debitmandates which are verified by the bank’s computing centre and accepted by the bank are instantly confirmed online.

The debtor can use ems-Lastschrift  immediately, without further registration or additional hardware or software.