{"id":995,"date":"2019-03-12T15:15:28","date_gmt":"2019-03-12T19:15:28","guid":{"rendered":"http:\/\/caissealliance.absoludev.ca\/non-classifiee\/exigences-de-lacp-pour-les-debits-preautorises\/"},"modified":"2019-06-05T13:38:08","modified_gmt":"2019-06-05T17:38:08","slug":"exigences-de-lacp-pour-les-debits-preautorises","status":"publish","type":"post","link":"https:\/\/www.caissealliance.com\/fr\/entreprises\/gestion\/exigences-de-lacp-pour-les-debits-preautorises\/","title":{"rendered":"Exigences de l\u2019ACP pour les d\u00e9bits pr\u00e9autoris\u00e9s"},"content":{"rendered":"

L\u2019Association canadienne des paiements (ACP) a apport\u00e9 des changements importants \u00e0 la R\u00e8gle H1 sur les d\u00e9bits pr\u00e9autoris\u00e9s (DPA). Les changements comportent de nouvelles obligations pour les institutions financi\u00e8res ainsi que pour les organismes \u00e9metteurs de DPA, et des am\u00e9liorations aux droits des payeurs.<\/p>\n

\u00c0 titre d\u2019entreprise \u00e9mettrice de d\u00e9bits pr\u00e9autoris\u00e9s, vous devrez vous conformer aux nouvelles exigences de l\u2019Association canadienne des paiements si vous souhaitez offrir le service de retrait direct \u00e0 vos clients.<\/p>\n

Les responsabilit\u00e9s et obligations relatives aux d\u00e9bits sont d\u00e9crites dans la\u00a0R\u00e8gle H1 \u2013 D\u00e9bits pr\u00e9autoris\u00e9s (DPA)<\/a>\u00a0de l\u2019Association canadienne des paiements et dans la Convention d\u2019adh\u00e9sion au service Retrait direct de votre Caisse populaire.<\/p>\n

Nous vous invitons \u00e0 prendre connaissance de l\u2019information mise \u00e0 votre disposition dans la pr\u00e9sente section et \u00e0 contacter un conseiller du service Acc\u00e8sD Affaires de votre Caisse populaire pour compl\u00e9ter votre dossier du service Retrait direct (d\u00e9bit pr\u00e9autoris\u00e9).<\/p>\n

Les 2 documents obligatoires<\/strong><\/h2>\n

1- Convention d\u2019adh\u00e9sion au service Retrait direct<\/strong><\/h3>\n

Vous devrez signer la Convention d\u2019adh\u00e9sion au service Retrait direct (d\u00e9bit pr\u00e9autoris\u00e9) avec votre Caisse populaire.<\/p>\n

Pour les utilisateurs existants, cette nouvelle convention remplacera les dispositions relatives au Retrait direct dans l\u2019annexe II de votre Convention Acc\u00e8sD Affaires actuelle (Transmission de donn\u00e9es \u2013 d\u00e9p\u00f4t-retrait direct).
\nElle vous sera exp\u00e9di\u00e9e ou transmise lorsque vous contacterez un conseiller du service Acc\u00e8sD Affaires pour mettre votre dossier \u00e0 jour.<\/p>\n

2- Accord de DPA du payeur<\/strong><\/h3>\n

Vous devrez pr\u00e9parer et mettre en vigueur un Accord de DPA du payeur \u00e0 pr\u00e9senter \u00e0 vos clients.<\/p>\n

Il s\u2019agit du formulaire, commun\u00e9ment appel\u00e9 Autorisation de retrait direct, que doit remplir votre client pour autoriser un retrait ou un d\u00e9bit pr\u00e9autoris\u00e9 dans son compte.<\/p>\n

Cet Accord se pr\u00e9sente le plus souvent en version papier et il doit contenir des \u00e9l\u00e9ments obligatoires impos\u00e9s par la R\u00e8gle H1 et sp\u00e9cifi\u00e9s dans votre Convention d\u2019adh\u00e9sion au service Retrait direct. Il est \u00e9galement possible de convenir d\u2019un Accord de DPA du payeur en version \u00e9lectronique (Internet, courriel, t\u00e9l\u00e9phone), \u00e0 la condition que celui-ci r\u00e9ponde aux m\u00eames exigences.<\/p>\n

\u00c9quivalence terminologique<\/strong><\/h2>\n

Le tableau suivant pr\u00e9sente certaines \u00e9quivalences entre les termes utilis\u00e9s dans la documentation de la Caisse populaire et ceux utilis\u00e9s par l\u2019Association canadienne des paiements.<\/p>\n\n\n\n\n\n\n\n
\n

Termes utilis\u00e9s\u00a0<\/strong>\u00e0 la Caisse populaire<\/strong><\/p>\n<\/td>\n

\n

Termes utilis\u00e9s dans la R\u00e8gle H1\u00a0<\/strong>de l\u2019Association canadienne des paiements<\/strong><\/p>\n<\/td>\n<\/tr>\n

Entreprise \u00e9mettrice de DPA ou Organisme \u00e9metteur de DPA<\/td>\n\u00c9metteur de factures ou B\u00e9n\u00e9ficiaire (du DPA)<\/td>\n<\/tr>\n
Convention d\u2019adh\u00e9sion au service Retrait direct<\/td>\nLettre d\u2019engagement du b\u00e9n\u00e9ficiaire<\/td>\n<\/tr>\n
Caisse populaire et service Acc\u00e8sD Affaires<\/td>\nMembre parrain (institution financi\u00e8re membre de l\u2019Association canadienne des paiements qui parraine un b\u00e9n\u00e9ficiaire)<\/td>\n<\/tr>\n
Institution financi\u00e8re qui d\u00e9tient le compte du payeur Institution traitante<\/td>\nMembre traitant (institution financi\u00e8re membre de l\u2019Association canadienne des paiements qui traite le DPA)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

L\u2019Association canadienne des paiements (ACP) a apport\u00e9 des changements importants \u00e0 la R\u00e8gle H1 sur les d\u00e9bits pr\u00e9autoris\u00e9s (DPA). Les changements comportent de nouvelles obligations pour les institutions financi\u00e8res ainsi que pour les organismes \u00e9metteurs de DPA, et des am\u00e9liorations aux droits des payeurs. \u00c0 titre d\u2019entreprise \u00e9mettrice de d\u00e9bits pr\u00e9autoris\u00e9s, vous devrez vous conformer […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[47],"tags":[],"class_list":["post-995","post","type-post","status-publish","format-standard","hentry","category-gestion"],"acf":[],"yoast_head":"\nExigences de l\u2019ACP pour les d\u00e9bits pr\u00e9autoris\u00e9s | Caisse Alliance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.caissealliance.com\/fr\/entreprises\/gestion\/exigences-de-lacp-pour-les-debits-preautorises\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Exigences de l\u2019ACP pour les d\u00e9bits pr\u00e9autoris\u00e9s | Caisse Alliance\" \/>\n<meta property=\"og:description\" content=\"L\u2019Association canadienne des paiements (ACP) a apport\u00e9 des changements importants \u00e0 la R\u00e8gle H1 sur les d\u00e9bits pr\u00e9autoris\u00e9s (DPA). 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