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FAQ – Frequently Asked Questions About PPS Perfunctio

On this page, you'll find answers to frequently asked questions about Perfunctio debits, SEPA direct debits, and our role in payment processing.

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All Frequently Asked Questions

If you see a charge from “PPS Perfunctio Payment Services GmbH” on your bank statement, this overview can help you quickly identify the payment.

What does an " Perfunctio " debit mean?

A debit means that Perfunctio processes a payment on behalf of a company with which you have previously entered into a contract. This is a SEPA direct debit, for example, for a subscription, a membership, or another recurring payment.

Why does my bank statement say “PPS Perfunctio”?

The name appears on your bank statement because Perfunctio handles the technical processing of payments on behalf of a company. The actual contracting party is the company from which you are purchasing a service or offer. The name of this company is often listed in the payment description.

For which company was the payment made?

In most cases, you'll find the company's name in the description of the debit on your bank statement. If you're not sure, you can:
• Check the description
• View past orders or contracts
• Contact the respective provider

Is Perfunctio my contractual partner?

No. Perfunctio is not your contracting party.
The contract is between you and the company from which you purchased a service or subscription. Perfunctio merely handles the technical processing of payments.

How do I cancel my subscription?

You can cancel at any time; written notice is required. There are no waiting periods or cancellation fees. Read our article on cancellation for the exact procedure.

Why was money debited from my account?

In most cases, the payment was made as part of an existing contract or subscription.
This payment is collected via a SEPA direct debit and processed technically through Perfunctio .

What is a SEPA direct debit?

The SEPA direct debit is a standardized procedure used throughout Europe that allows companies to collect payments directly from a bank account.
This requires a direct debit authorization (SEPA mandate) that you have previously granted to the company.

How can I get a direct debit refunded or dispute it?

If you would like to have a direct debit reviewed, you can contact your bank.

In many cases:

• Up to 8 weeks for a chargeback on authorized direct debits
• Up to 13 months for unauthorized direct debits

Is Perfunctio a reputable site?

PPS Perfunctio Payment Services GmbH is a company based in Hamburg that assists businesses with technical payment processing.

Our mission is to securely process payments between businesses and banks.

How can I contact Perfunctio ?

If you are unable to identify a charge from Perfunctio or have questions about a payment, you can contact us through our website.

Go to the contact form

We’ll help you identify the appropriate contact person at the respective company.