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Discounting, Clearing and Payment System

Discounting, Clearing and Payment Systems

Setting-up of services rendered to credit institutions and corporate clients for the integral management of bank collections and payments, discounting transactions, reverse factoring of payments and technical coverage of connectivity to SWIFT as detailed below:

  • Global coverage in the area of Payment Systems. Administration, monitoring and settlement of bank transactions and retail payment instruments swapped by a company within the framework of the national and international payment systems in a represented capacity. Channelling and processing of collections and payments in euros and in foreign currencies to corporate clients.
  • Integral Discounting management. Economic and administrative management of all bill portfolio transactions of a company from the collection of data on the bills for their settlement with respect to the client to their application for collection.
  • Global Reverse Factoring Service (FINVERSIÓN). Administration of the payment commitments (invoices) acquired by clients of the credit institution with their goods and services suppliers at a maturity date, through the technical application? so-called FINVERSIÓN transaction that expedites the financing or investment both of clients and of suppliers.
  • Technical SWIFT coverage. Technical coverage service involving connection of a BIC code of a company or client to the SWIFT Network, allowing all SwiftNet services to be used in the same way as if the company / client had a direct connection to the SWIFT platform.
  • To consult the Quality Policy of the Discounting, Clearing and Payment Systems Department, click here.

Our experts will explain it to you

David Pérez Barrio:Expert in Retail Transactional Banking

Team manager with the necessary technical resources to provide global collection and payment services to credit institutions and corporate clients. He has extensive knowledge and experience in national and international payment systems and in SEPA instruments, and he is highly qualified to provide operational and regulatory consultancy in the area of retail transactional banking.