Debit Success vs IBANC pay-collect-control

Debit Success provides recurring payment services for businesses and software providers. It collects authorized payments from customers’ credit cards or bank accounts, with schedules available weekly, fortnightly, every four weeks, monthly, quarterly or ad hoc. When a payment reverses, a three-phase follow-up can involve SMS, phone, email and letters, and payment catch-up arrangements are available. Clients can receive automated daily and weekly reports or use an online portal. Reporting covers reversal rates by day, payment type and frequency, as well as sales trends by day, week and month. The billing system integrates with Xplor Clubware, PerfectMind and Xplor Education. Its web service can connect to an application, software or website and supports one-off and recurring schedules, customer detail updates, payment suspension, real-time payments, and retrieval of account status, call notes and transaction history. Business owners can use a self-service portal to run reports, manage members and update payment and contact details. Debit Success states that it is Level I PCI DSS compliant, independently certified and externally audited. Pricing is available on request.

IBANC pay-collect-control creates and executes SEPA credit transfers and direct debits, checks payment input, and supplies payment information by account. Its offline system keeps customer relations, mandates, groups, and payment data under the user’s control. Imports include Excel, CSV, SEPA XML (PAIN), BTL91, and CAMT.053 bank statements; the maker says the software works with every European bank and with accounting and ERP software. Automatic checks help verify that transaction files are correct and accepted by the bank. Reconciliation tools track and reschedule returns and rejects. Standard costs €279, paid once and covers one bank account and up to 1,000 transactions per batch. Business costs €599, paid once and adds five accounts, larger batches, salary payments, and CAMT053 reconciliation. Ultimate costs €1,099, paid once and lists unlimited accounts and batch transactions. Server pricing is on request. A free trial is available, limited to three transactions per batch. IBANC runs on Linux, macOS, and Windows.