Payer is a term used in payment services law . The payment service law applicable in all EU member states uses the term payer, but does not offer a legal definition . It assumes the word is known. A cash payment can be made in cash or cashless . In the latter case, both the debtor and the payee need a bank account .
A technical payer is generally considered to be an economic entity ( private household , company , public administration , state ) who receives a debit on his bank account in order to fulfill his payment obligation . Debtors are specifically also borrowers for repayments and interest payments and lenders for loan disbursements , payers of cash payments or importers .
In everyday sales contracts, the payer is the buyer, who gives the seller a cash payment and thus fulfills the payment conditions. According to German Commercial Code (HGB) , shop employees in a shop are also authorized to accept the goods. In all other contracts, the debtor is generally called the debtor ( tenant , lessee , lessee ).
- Payment transactions
The focus is on the concept of the payer for direct debits within cashless payment transactions , where he is also called the “payer”. According to ZAG , the payer is a natural or legal person who is the owner of a payment account and who is permitted to execute a payment order from this payment account or, if there is no payment account, a natural or legal person who issues the payment order. The paying agent redeems the direct debit with the authorization of the debtor by debiting the account. This applies regardless of whether any one in the legal sense obligation consisted of the payer. Without authorization, the debit according to Paragraph 1 Clause 1 BGB is ineffective and must be reversed . In the case of the direct debit authorization procedure for payment cards , the effectiveness of the account debit depends on the debtor approving this to his paying agent ( sentence 2 BGB). In the absence of giro-contractual instructions, the paying agent in the cover relationship is not entitled to a claim for reimbursement of expenses in accordance with BGB until the debtor has approved the unauthorized debiting of his account in accordance with Section 684 sentence 2 BGB.
- Electronic commerce
In the case of orders in electronic business transactions , according to BGB, the obligation of the entrepreneur towards consumers is only fulfilled if a button on the website is clearly legible with nothing other than the words "order with obligation to pay" or is labeled with a corresponding unambiguous wording.
In foreign trade , the importer is the payer. In letters of credit and documentary collections , the bank puts her from the exporter submitted shipping documents prior to testing and provide the importer this train to train against account debit.