#268 IBAN to German business ID(?) confusion

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opened 1 week ago by kreyren · 4 comments
kreyren commented 1 week ago

image

https://codeberg.org/codeberg/org/src/branch/master/Imprint.md#user-content-sepa-iban-for-donations

Compared to:

image

Is:

DE90 8306 5408 0004 1042 42
DE40 ZZZ0 0002 1728 25

The format is simmilar, but i think that the DE40.. is some kind of german company identification? If so proposing it to be clarified in https://join.codeberg.org/ to avoid confusion

![image](/attachments/062f4fe6-5d1f-4f77-8429-98656ae9aa10) https://codeberg.org/codeberg/org/src/branch/master/Imprint.md#user-content-sepa-iban-for-donations Compared to: ![image](/attachments/be007e39-b8c0-410e-ac59-e26b8a523011) Is: ``` DE90 8306 5408 0004 1042 42 DE40 ZZZ0 0002 1728 25 ``` The format is simmilar, but i think that the DE40.. is some kind of german company identification? If so proposing it to be clarified in https://join.codeberg.org/ to avoid confusion
Masgalor commented 1 week ago

Those are two totally different usecases.

DE90 8306 5408 0004 1042 42

This is an actual IBAN it is linked to the banking account of codeberg and it can be used to transpher money to codeberg.
Wikipedia - IBAN

DE40 ZZZ0 0002 1728 25

This number represents something completely different.
It’s codebergs Creditor Identifier that is used to ask your bank for a direct debit, in this case to collect your membership fees.
Wikipedia - Direct Debit

Wikipedia - SEPA

I see how this can be confusing for someone living outside of europe, no offense here. Maybe we should add something to the docs to clarify how the banking (SEPA) system works?

Those are two totally different usecases. ``` DE90 8306 5408 0004 1042 42 ``` This is an actual IBAN it is linked to the banking account of codeberg and it can be used to transpher money to codeberg. [Wikipedia - IBAN](https://en.wikipedia.org/wiki/International_Bank_Account_Number) ``` DE40 ZZZ0 0002 1728 25 ``` This number represents something completely different. It's codebergs Creditor Identifier that is used to ask your bank for a direct debit, in this case to collect your membership fees. [Wikipedia - Direct Debit](https://en.wikipedia.org/wiki/Direct_debit) [Wikipedia - SEPA](https://en.wikipedia.org/wiki/Single_Euro_Payments_Area) I see how this can be confusing for someone living outside of europe, no offense here. Maybe we should add something to the docs to clarify how the banking (SEPA) system works?
hw commented 1 week ago
Owner

correct. The SEPA direct debit mandate text is legal requirement prescribed by banks, there is little we can change at the core. An additional comment explaining the terms could be worthwhile tho. Contributions to https://codeberg.org/Codeberg/build-deploy-reg-server welcome!

correct. The SEPA direct debit mandate text is legal requirement prescribed by banks, there is little we can change at the core. An additional comment explaining the terms could be worthwhile tho. Contributions to https://codeberg.org/Codeberg/build-deploy-reg-server welcome!
lhinderberger commented 1 week ago
Collaborator

Maybe we should add something to the docs to clarify how the banking (SEPA) system works?

It would probably be enough to add a hint in the Join Codeberg UI, as @hw suggested, because I think it’ll be unlikely that people wondering about this expect there’s something about it in the Docs, if there’s nothing about it in the UI 😉

> Maybe we should add something to the docs to clarify how the banking (SEPA) system works? It would probably be enough to add a hint in the Join Codeberg UI, as @hw suggested, because I think it'll be unlikely that people wondering about this expect there's something about it in the Docs, if there's nothing about it in the UI :wink:
kreyren commented 1 week ago
Poster

An additional comment explaining the terms could be worthwhile tho. Contributions to https://codeberg.org/Codeberg/build-deploy-reg-server welcome!

I think that this would be a better place for it?

https://codeberg.org/Codeberg/org/src/branch/master/Imprint.md

> An additional comment explaining the terms could be worthwhile tho. Contributions to https://codeberg.org/Codeberg/build-deploy-reg-server welcome! I think that this would be a better place for it? https://codeberg.org/Codeberg/org/src/branch/master/Imprint.md
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