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They all concern transfer of money from your account to another account.
The payment submission process varies.
It is a permission to debit your account. You always define a limit, payment frequency, and counter-account for direct debits.
SIPO is a service provided by Česká pošta (Czech Post). It allows you to combine several regular direct debits into a single payment (e.g. rent, telephone, radio).
It is intended for regular payments of a specific amount in CZK or foreign currency – at a fixed interval to a single payee.
All three types of payments may be submitted, modified or cancelled at any time using your internet banking.
Updated: 13. 04. 2018