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… largely as a substitute for legacy payment methods such as cheques which entail a higher social cost from a processing … of direct credits and pre-authorized debits in displacing cheques in Canada over the past two decades. Payments … rely on more socially-costly methods of payment, including cheque and cash, despite a general willingness to move away …
… de la Norme 013 et qui peut être utilisée pour le retour conformément à la Règle A10. … Document de remplacement d’effet retourné (DRER) …