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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.


PARTICULAR CONDITIONS for the use of WIRECARD BANK payment in installments

The following applies to the usage of the payment method WIRECARD BANK payment in installments in ONLINE-SHOPS DE and in ONLINE-SHOPS AT:

  1. In choosing WIRECARD BANK payment in installments you decide in favour of payment in monthly installments. Monthly installments are thereby to be paid throughout a fixed running term, whereby the final instalment may, under certain circumstances, deviate from the previous amounts. You may, as a fundamental rule, undertake the payment of the monthly installments by SEPA direct debit. In individual cases your ONLINE MERCHANT may also offer the option of payment by SEPA bank transfer. Please see the instalment plan provided for details of payment.

  2. When using WIRECARD BANK payment in instalment by means of SEPA direct debit you grant the WIRECARD BANK a SEPA direct debit authorisation. The WIRECARD BANK shall then collect the receivable resulting from the contractual relationship between you and the ONLINE MERCHANT in accordance with the authorisation granted by you and the creditor’s identification number from the current account specified by you by the due date.

  3. WIRECARD BANK lwill announce the collection to you by e-mail at the latest one calendar day before the due date of the SEPA-direct date (pre-notification/advance information). Collection shall follow at the earliest on the date specified in the advance information. A later, near-term collection may follow.

  4. Should a reduction of the amount of the payment amount (e.g. due to credit notes) follow between the issuing of the instalment plan or of the separate payment request, advance information and due date, the booked amount may deviate from that indicated on the invoice or separate payment request and from that indicated in the advance information.

  5. You are required to ensure that there are sufficient funds in the current account indicated on the due date. The banking institute managing the account is not under an obligation to redeem the direct debit should the funds in the account not be sufficient.

  6. Should a chargeback of the SEPA direct debit be effected due to a lack of sufficient funds in the account, an unjustified objection on the part of the account holder or due to false or incorrect information for the granting of a SEPA direct debit authorisation or because of the termination of the current account you shall be in default without any separate warning, unless it should be the case that the chargeback was the result of a circumstance for which you do not bear the responsibility.

  7. The fees charged by the account managing banking institute to WIRECARD BANK in the event of a chargeback shall be passed on to you including an appropriate processing fee and are to be paid by you. WIRECARD BANK is entitled, in the event of a chargeback, to adjust the method of payment to the SEPA bank transfer procedure.

  8. In view of the high costs that are connected with a chargeback, we request you, in the event of a rescission of the contractual relationship concluded between yourself and the ONLINE MERCHANT, a return delivery or a complaint, not to object to the SEPA direct debit. In such cases coordination with the ONLINE MERCHANT and the reversal of the payment shall be effected by way of the transfer back of the amount in question or by way of a credit note.

  9. Please refer to the instalment calculator, which will be supplied to you in the course of the order process, for basic information pertaining to your payment in instalments for your planned order with your ONLINE MERCHANT (term, amount of the instalments, borrowing rate p.a., interest, total amount etc.). Here as far as possible your wishes regarding the amount of the instalments or the running term may also be taken into account. Please refer to the instalment plan supplied to you for more details.

  10. The instalments agreed within the framework of the order process shall, as a general rule, be due on the 28th of each respective month during the running term. The first instalment shall, generally speaking, be due in the month subsequent to the date of the invoice or delivery. Please refer to the instalment plan supplied to you for more details regarding maturity.

  11. Should you fail to pay an instalment by its due date at the very latest, you shall be in default without the need for a separate reminder, unless the failure to pay should be due to a circumstance for which you do not bear the responsibility.

  12. If you are in default, the WIRECARD BANK shall be entitled to charge an appropriate reminder fee and default interest amounting to five percentage points above the respective basic interest rate of the European Central Bank.

  13. In the case of a partial return the total amount to be paid shall be reduced. In such an eventuality you shall receive a new instalment plan from WIRECARD BANK. The monthly instalments shall thereby, generally speaking, remain the same, only the running term shall be reduced. Please refer to the new instalment plan for more details.

  14. The following example demonstrates what an instalment plan for WIRECARD BANK payment in instalments could look like, which at the same time is the representative example according to Section 6a Para. 3 PAngV (Price Indication Regulation) ("2/3 example"):

Example for an Instalment Plan


Order date: 19/11/2018
Delivery date: 21/11/2018
Maturity of the installments: By the 28th of the respective month
Cash price: EUR 300.00
Borrowing rate p.a. (bound) 13.70 %
Interest amount EUR 12.22
Fee for conclusion of a contract: EUR 3.95
Sum total EUR 316.17
Running term 6 months

Number of the installments Maturity date Discharging amount in EUR Interest amount in EUR Contractual conclusion fee in EUR Due instalment in EUR Remaining debt in EUR
1 28/12/2018 48.00 4.04 0.66 52.70 255.29
2 28/01/2019 49.33 2.71 0.66 52.70 205.30
3 28/02/2019 49.86 2.18 0.66 52.70 154.78
4 28/03/2019 50.40 1.64 0.66 52.70 103.72
5 28/04/2019 50.94 1.10 0.66 52.70 52.12
6 28/05/2019 51.47 0.55 0.65 52.67 0.00
Total 300.00 12.22 3.95 316.17 -

The instalment plan consists of six payable installments. The first five installments each amount to EUR 52.70. The last instalment (final instalment) amounts to EUR 52.67.