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Typically, the Italian market Direct Debit, CBI, is one of the most modern in Europe. The system is available in two distinct activities:
1) Electronic Record Alignment (Called AEA)

2) Direct Debit Financial (CBI)

The first structure has the ability to bring businesses and banks on a processor of all supplementary services necessary to put in a separate file phisical diagnostic and validation of the bank codification of a number of reports formality (c That is to say, received file, the file on banks, banks get the file to the collection completed, the Bank has a return flight from different Direct Debit Return page - Techniques / Abwertender / alligned mandate / order to withdraw the initiative of the bank, customers complain, etc.). Financial participation of the receipt, the CBI follows the cycle begins each time change. It sets up an interesting possibility and, once again, the amount previously denied “Not to have access to resources, and sharing with our customers for a total or separately.
The provisions are underway within the framework of the extension of SEPA (Single Euro Payment Area), the compulsory introduction of the IBAN (IBAN - International Bank Account Number), and in the near future, the BIC (Bank Identifier Code - the company Swift).
SEPA is a set of common rules, which are incorporated in the national legislation of Italy (CBI).
The CBI is to establish a connection with the Inter Banking network and the ability to send files DD-peer-to-peer mode in an XML format.

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