Marinko Ostojic
Our Services
We offer our clients workshops and training courses concerning "SEPA in companies" and "XML in payment transactions".
If there are any questions, PSA will support you with its expertise.
Payment transfer consists of a variety of standard methods. For that reason, PSA offers some tools:
- IBAN Checker: Verifies the format of the IBAN
- QR-Code Generator: Tool to generate a QR-code for a "Zahlungsanweisung"
- XML Checker: Verifies the format of XML files according to the currently valid rulebook
- Payment references (Tax payment, Postbar, EACT): These tools will help you with creating and checking payment rerferences
- and many more
The most important projects
SEPA Migration
SEPA is the acronym for Single EURO Payment Area and is aimed at aligned processing and agreed standards for EURO payments across the EU and all countries that opted in. Every single transaction within these countries shall be treated exactly like traditional domestic payments, forming a new understanding of the domestic zone. Additionally, all market participants will work with identical SEPA formats and procedures for transactions, debits and card payments.
The domestic transfers and direct debits will be replaced by SEPA as of February 2014 according to EU-Regulation 260/2012.
The regulation requires a clear bank account number "IBAN" and the Business Identifier Code "BIC".
Implementation of eps
The eps e-payment standard is the secure interface, format and procedure for online payment systems (online banking) of Austrian banks. It provides irrevocable payments and has been adopted by various Internet shops as well as public authorities, e.g. E-government.
Implementation of MBS
The Multi Bank Standard (MBS) for Electronic Banking was set up primarily for commercial bank customers who have account relationships at several Austrian banks. They were enabled to administer their accounts through a single local PC software that also allows both transmitting instructions and remittance data and receiving reports directly to / from their ERP system (import / export).
Payment transactions forms
Standardised payment transaction forms were the reason for the foundation of STUZZA in 1991. Since then receipts for payment have been adapted to the current demands. The present receipt for payment is called "ZAHLUNGSANWEISUNG" and is used for Euro-payments in the Single Euro Payments Area.
Technical formats
Before the foundation of STUZZA, standardisations of unitary formats of data mediums existed. For the application of standardised procedures for all credit institutions, formats of data mediums are continuously adapted to requirements. In the meantime, EDIFACT was substituted by XML. The current format descriptions in XML are available in the Download area.
About US
Besides legal aspects and profitability, organisation, technical detail specifications and prototyping count as our tasks. Certainly our corporate philosophy consists of having all the appropriate answers to all questions in payment transactions. We develop harmonised systems which enable smooth payment transactions.
STUZZA is the service contractor for the world of finance in the region of Austrian payment transactions.
Another essential task entails sharing knowledge about payment transactions in Austria such as consulting banks and companies. That ensures that for instance legal guidelines and agreements which were reached at European level are adapted and effectuated to the demands of the Austrian market.
If you require further information about consulting, do not hesitate to contact us.