Italiano | Français | Deutsch



1. Scope and general conditions of use 

The following additional business conditions apply between you and [Merchant] (hereinafter referred to as "Merchant") for all contracts concluded with the Merchant where a Wirecard payment method is used. The additional business conditions shall, in cases of conflict, take precedence over differently worded general business conditions of the Merchant. 

No contract shall be established between you and Wirecard Bank AG (hereinafter referred to as "Wirecard ") unless expressly stated otherwise. The use of Wirecard payment methods is only possible for customers who are consumers in accordance with Section 13 of the German Civil Code (BGB) and have reached 18 years of age. 

The Merchant reserves the right to check your creditworthiness. For further details please refer to the Wirecard data protection information. If using your chosen Wirecard payment method is not possible due to insufficient creditworthiness or because the Merchant transaction limit or the cross-Merchant buyer transaction limit has been reached, the Merchant reserves the right to offer you an alternative billing option. 

The Merchant shall have the right to assign receivables including all associated ancillary rights, arising during the use of a Wirecard payment method, to third parties. 

The receivables that arise when using a Wirecard payment method shall be assigned to Wirecard as part of an ongoing factoring agreement. Where a Wirecard payment method is used, payments with debt discharging effect can be made solely to Wirecard. 

The passing of ownership of the goods shall be subject to full payment being received. 


2. Wirecard payment methods 

For your purchase on the internet, the Merchant can offer you, with Wirecard’s support, the Wirecard billing option(s) listed below for you to choose from:


2.1 Wirecard invoice 

With the Wirecard invoice, you are choosing to make a purchase on account. You will receive an invoice, which will be due for payment without deduction within a period of time specified by the Merchant. 

If you do not pay your invoice by its due date at the latest, you will be in default without a separate reminder being necessary, unless the non-payment results from circumstances for which you cannot be held responsible. 

If you are in default, Wirecard shall be entitled to charge an appropriate reminder fee for each reminder as well as default interest at the amount of five percentage points above the base interest rate of the German Federal Bank. 


2.2 Wirecard direct debit 

With the Wirecard direct debit, you are choosing to make a purchase by SEPA direct debit. You will receive an invoice, which will be due for payment without deduction within a period of time specified by the Merchant. 

With the SEPA direct debit mandate issued to Wirecard, you are authorising Wirecard to debit the payments, which are to be made due to the purchase via Wirecard direct debit, from your current account specified in the ordering process at the specified credit institution (hereinafter referred to as "current account") by SEPA direct debit. 

Wirecard will announce the direct debit to you by e-mail no later than one calendar day before the SEPA direct debit becomes due (hereinafter referred to as "pre-announcement"). The direct debit shall take place on the specified date of pre-announcement at the earliest. A later, timely direct debit may be made.

If, between the drawing up of the invoice, the pre-announcement and the due date, a reduction of the purchase price amount takes place (e.g. as a result of credit advices), the debited amount may differ from the amount specified in the invoice/pre-announcement. 

You must make sure that your current account has sufficient funds on the due date. Your credit institution is not obligated to honour the direct debit where there are not sufficient funds on your current account. 

If a chargeback takes place due to a lack of current account funds, an unauthorised rejection of the account holder or as a result of the current account ceasing to exist, you will be in default without a separate reminder being necessary, unless the chargeback is made as a result of circumstances for which you cannot be held responsible. 

The fees charged by your credit institution to Wirecard in the case of a chargeback will be passed on to you including a reasonable processing fee and must be settled by you. 

If you are in default, Wirecard shall be entitled to charge an appropriate reminder fee for each reminder as well as default interest at the amount of five percentage points above the base interest rate of the German Federal Bank. 

Due to the high costs associated with a chargeback, we would like to please ask you not to reject the SEPA direct debit in the case of withdrawal from the purchase contract, a return or a complaint. In these cases, the Merchant is consulted with, and the reversal of the payment is made by transferring back the corresponding amount or by issuing a credit advice.