![\"Figure](\"https:\/\/www.europesays.com\/germany\/wp-content\/uploads\/2026\/05\/Eon-Article-Figure-3.jpg\")
<\/p>\nOnce a month, E.ON Drive creates an overview of all charging procedures the respective employee conducted at home. This report is submitted to the employer who then reimburses these costs to its employee. Technically, this process is handled by E.ON Drive. But for the payment the company partnered with Deutsche Bank to ensure the payment process is highly automated and in line with the German Federal Financial Supervisory Authority\u2019s (BaFin) regulation. As it involves funds from a third party, i.e. the employer, E.ON Drive would have needed a bank licence and\/or a ZAG licence to manage those payments.<\/p>\n
Once E.ON Drive\u2019s corporate client has checked and approved the reimbursement, it initiates the payment process (see Figure 3). Via an API, E.ON Drive instructs Deutsche Bank to orchestrate that the payment flow. As initial step, Deutsche Bank collects a SEPA Direct Debit from the company. In a second step, it submits a detailed breakdown of the payout to individual employees of the underlying company. Deutsche Bank then conducts the payout via SEPA credit transfers and reconciles.<\/p>\n
<\/p>\n
Figure 3: Reimbursement of e-mobility charging for employees at home<\/p>\n
Source: Deutsche Bank<\/p>\n
Reimbursement is conducted once a month to ensure it aligns with the monthly electricity bill of the employee. \u201cFor a typical household, private EV charging increases annual electricity demand by 1,800 kwh. This accounts for approximately half of the overall electricity demand of an average household, which is why timely reimbursement is necessary,\u201d says Chorosis.<\/p>\n
So, what\u2019s next? In the EU, the Instant Payment Regulation is supposed to make instant payments the normal. As of January 2025, all banks and payment service providers (PSP) in the euro area need to be able to receive real-time payments. Starting in October, they will also be obliged to send instant payments. For treasurers, this creates new opportunities as described in the flow article How the EU Instant Payment Regulation impacts corporate treasurers<\/a>.<\/p>\n As yet, however, he does not see a major benefit in switching to SEPA Instant Payments, which would allow the corporate to immediately reimburse its employee for every single charging process. \u201cThis would create too much administrative work for the employer,\u201d he adds. Yet, going forward there may be other use cases where instant payments could become relevant in EV charging. \u201cIt\u2019s not a question of \u2018if\u2019 we use them, but how we are going to use them.\u201d<\/p>\n For the next stage, the company is looking to expand this solution across Europe; so far it is available in Germany and Austria, while focusing on automating its internal processes to further bring down costs. It also tests artificial intelligence (AI) to improve fraud detection and enable smart charging to minimise grid fees and make use of times when electricity prices are lowest. Ultimately, it\u2019s all about making corporate fleet electrification as attractive as possible and support the clean mobility transition.<\/p>\n","protected":false},"excerpt":{"rendered":"Once a month, E.ON Drive creates an overview of all charging procedures the respective employee conducted at home.…\n","protected":false},"author":2,"featured_media":24569,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21068],"tags":[7776,25866,21104,25865,21103,1098,25867,7077],"class_list":["post-24568","post","type-post","status-publish","format-standard","has-post-thumbnail","category-e-on","tag-apis","tag-application-programming-interfaces","tag-e-on","tag-e-on-drive","tag-e-on-se","tag-electric-vehicles","tag-evs-deutsche-bank","tag-payments"],"_links":{"self":[{"href":"https:\/\/www.europesays.com\/germany\/wp-json\/wp\/v2\/posts\/24568","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/germany\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/germany\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/germany\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/germany\/wp-json\/wp\/v2\/comments?post=24568"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/germany\/wp-json\/wp\/v2\/posts\/24568\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/germany\/wp-json\/wp\/v2\/media\/24569"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/germany\/wp-json\/wp\/v2\/media?parent=24568"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/germany\/wp-json\/wp\/v2\/categories?post=24568"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/germany\/wp-json\/wp\/v2\/tags?post=24568"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}