Invoices for canteens, nurseries, municipal swimming pools, local taxes, fines… The DGFiP already offers simplified payment solutions. But the tax authorities are thinking about a new kind of transfer: the request to pay, which would allow the DGFiP to prepare a ready-made transfer for you that you just have to validate to pay when you wish. Explanations.
How will you pay your bills to local authorities and local or national taxes in the years to come? The answer can be found in part in the latest annual report of the Financial Sector Advisory Committee (CCSF), an entity that brings together consumer associations and financial organizations linked to the Banque de France. What is the link between CCSF and the Directorate General of Public Finances (DGFiP)? The two organizations have come together in a CCSF-DGFiP working group in order to focus in particular on the modernization of means of payment and more particularly on the aspect of inclusion and relations with the administration. In concrete terms, these are only food for thought, not yet sounding and stumbling announcements.
This working group evokes, pell-mell, the current development of the PayFiP tool which already allows you to pay your public bills online, or its hopes for the development of instant transfers, by calling for a reduction in prices banks.
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A transfer ready to pay… over which you keep control
But the big bet of this CCSF-DGFiP working group for the future preferred mode of payment for public bills and taxes is quite different: the transfer in request to pay. What is it about? A request for payment by dematerialized way, sent by the creditor and which results in a payment by transfer, which remains the hand of the consumer as to the choice of the moment. To simplify, a transfer ready to pay, where all the information is already pre-filled: the payer only has to activate this transfer ready to pay, and he can choose the day on which to validate this transfer.
Leaving the payer the freedom of the payment activation schedule is important: the goal is to avoid plunging users into the red and therefore to avoid payment incident costs for them due to direct debits for which they do not manage the timing.
This transfer request to pay or referenced transfer leads the DGFiP to believe this CCSF report. Why? This offer will make it possible to solve difficulties for the payment of small amounts related to schooling, canteens, crèches or municipal swimming pools for example. It is also a method of payment that will reduce the handling of cash and checks by children and other intermediaries.
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A solution that also appeals to the DGFiP for physical payments
Bercy is already thinking about how to centralize its means of payment, by integrating this transfer request to pay: The public authorities are working a single application (impots.gouv.fr) for all means of paymentwhich will make it possible to embark a large majority of the invoices to the users of the local public sector, the taxes and the fines, one reads in the report of the CCSF.
In addition to payments on the Internet, this ready-to-pay transfer could even be used for physical payments: it could thus be implemented through a smart phone app which would serve as a support for the user, via a QR code for example, to pay, via a transfer reference its swimming pool entrance for example.
In short, the tax administration has great hopes in this transfer of a new kind. It remains to find a name: the CCSF-DGFiP working group supports this project, provided that the banks are ready at the same time, and above all provided that another name is found. It is up to the DGFiP to find another name than request to pay for his transfer ready to pay.
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