Bank payment obligation (BPO) is an irrevocable and independent undertaking given by the obligor bank (usually the buyer’s bank) to pay for goods or services in favour of the recipient bank (seller’s bank) within the agreed period under the condition of a successful electronic matching of data.

Benefits

  1. Simple and fast implementation
    The seller (exporter) directly forwards documents regarding the commercial transaction to the buyer, and delivers the required data from the documents to their bank. The banks involved in a BPO transaction work through the TMA application (TMA - Transaction Matching Application) exclusively using data, and not commercial agreements, documents, goods, services or actions to which the data may refer.
  2. Automated data matching verification process
    The payments are made if the data are automatically matched and predefined BPO requirements are met.
  3. By arranging a BPO, you reduce the risks regarding open account payments and advance payments
    For the seller (exporter), BPO reduces the risks related to payment upon delivery (so-called ‘open account’, the most frequently used method of payment), since BPO includes a payment undertaking incurred by the obligor bank. In terms of advance payment, BPO offers greater security for the buyer (importer) since the payment is made only after matching the BPO conditions.
  4. Financing without new indebtedness
    If you are a seller (exporter), and you have arranged longer payment terms with your partner based on a BPO, we can offer payment before the due date, without recourse, thus improving your liquidity without new indebtedness. In that case, financing is based on the creditworthiness of the obligor bank, and the risk of collecting receivables is transferred to the seller’s bank (the exporter’s bank).
  5. Reduce the risk of a foreign partner and its bank through confirmation of a loro (export) BPO
    If you are in the role of a seller (exporter), we can take over the credit risk of the obligor bank (the buyer’s bank) by confirming the BPO. Upon confirmation, we shall be obliged to pay you if the obligor bank does not meet its due payment obligation.
  6. Application of the International Chamber of Commerce rules
    BPO is regulated by Uniform Rules for Bank Payment Obligations (URBPO) issued by the International Chamber of Commerce in Paris. The Rules are automatically applied to BPO transactions.
  7. Providing expert advice
    Years of experience and expertise in standard and complex transactions, our professional and trained staff and numerous awards in the field of trade finance vouch for a high quality of service.
  8. International presence of UniCredit Group
    Zagrebačka banka and UniCredit Group represent a strong partner that can support your international business operations.

UniCredit Group's video about Bank payment obligation

Zagrebačka banka will process the personal data entered in the form below for the purpose of arranging a meeting in one of its branches and will keep them for 30 days. We suggest that you enter your OIB, so the banker could prepare the best financial offers based on the available data.
Read more in the Information on Personal Data Processing.

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Postavke kolačića

Tehnički kolačići (neophodni)

Performansni kolačići (neobavezni)

Marketinški kolačići (neobavezni)

Tehnički kolačićiUvijek aktivni

Ovi kolačići su neophodni za funkcioniranje web stranice i ne mogu se isključiti u našem sustavu. Obično se postavljaju samo kao reakcija na vašu radnju koja predstavlja zahtjev za uslugom, kao što je postavljanje vaših postavki privatnosti, prijavljivanje ili popunjavanje obrazaca.

Kolačići koji se koriste:

JSESSIONID - čuva stanje sesija kroz zahtjeve za stranicama

PD_STATEFUL - kolačići sigurnosti sesije Server session security cookies

PD_SESSION-ID - jdinstveni Unique server session security cookie

PWSESSIONID – kolačić sesije poslužitelja

Parent_alive - kolačić sesije poslužitelja

Gtm_tracking - čuva korisnikov pristanak na praćenje

Option_set – čuva vrijednost za pokazivanje cookie bara

Zaba_performance- čuva posjetiteljev pristanak za bolje performance


Performansni kolačići

Ovi kolačići omogućuju nam da računamo posjete i izvore prometa, kako bismo mogli izmjeriti i poboljšati performanse naših stranica. Oni nam pomažu da znamo koje su podstranice najpopularnije ili najmanje posjećene, te kako se posjetitelji ponašaju po web stranici. Sve informacije koje ovi kolačići prikupljaju su agregirani a time i anonimizirani. Ako spriječite te kolačiće, nećemo znati kada ste posjetili našu web stranicu.

Kolačići koji se koriste:

ZABGN - postavke naslovnice ovisno o tome je li korisnik građanin ili pravna osoba

ZABRM - kolačić s vrijednošću korisnikovog web preglednika zbog boljih performansi


Marketinški kolačići

Ovi kolačići služe kao pomoć pri tumačenju internetskih aktivnosti korisnika te u svrhu marketinških aktivnosti, poput oglašavanja i remarketinga.

Kolačići koji se koriste:

1P_JAR - prikuplja statistiku web stranice i prati stopu konverzije Google.com/google.hr

CONSENT - postavke kolačića - google.com

DV - Google ad personalizacija - google.com

NID - Google ad personalizacija - google.com

IDE- Koristi se za prepoznavanje preglednika za oglašavanje i praćenje izvedbe i postavki. Google.com/ DoubleClick

ga - Google Universal Analytics postavlja jedinstveni ID koji se koristi za izračunavanje podataka za analitička izvješća

gid - koristi se za razlikovanje korisnika jednog od drugog.

Anj - Anj kolačić sadrži podatke koji označavaju da li se ID kolačića sinkronizira s našim partnerima. ID sinkronizacija omogućuje našim partnerima korištenje svojih podataka izvan platforme na platformi.

uuid2 - Ovaj kolačić sadrži jedinstvenu, slučajno generiranu vrijednost koja Platformu omogućuje razlikovanje preglednika i uređaja.

Sess - Kolačić sesije sadrži jednu ne-jedinstvenu vrijednost: "1". Platforma se koristi za testiranje je li preglednik konfiguriran za prihvaćanje kolačića iz aplikacije AppNexus.

Icu - Kolačić se koristi za odabir oglasa i ograničavanje broja prikaza određenog oglasa. Sadrži informacije poput broja prikaza oglasa, nedavnog prikazivanja oglasa ili broja prikazanih oglasa

Uid - jedinstveni identifikator

cid - Cookie id (legacy) – jedinstveni identifikator

Facebook - prati konverzije FB oglasa, optimizira oglase, gradi ciljanu publiku i radi remarketing

HotJar - prikuplja informacija o ponašanju korisnika i njihovim uređajima