Properly structuring the payment systems infrastructure has positive effects on the development of national economies. Especially a healthy, safe, risk-free and fast-working payment system is important not only for the economy of the country, for the financial system and for the monetary policy, but also for the institutions and individuals within the economic world. Any congestion that may occur in payment systems can affect the operation of banks, manufacturing industries, individuals and the country's economy as a chain. Therefore, proper functioning of payment infrastructures that do not exist in normal conditions has a strategic precaution for our country.
Direct Debit System is a payment system that provides for the transfer of funds between the accounts of companies that are in regular commercial relations or between the accounts of individuals (seller and buyer) in different banks. The seller credits the buyer's account in the Y bank to the creditor account in the X bank in order to obtain the approval by sending the "Direct Collection Request" message to the buyer's account in the Y bank via the X bank that he / she works.
The Advantages of Direct Debit are;