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SEPA Credit Transfer Customer-to-Bank/User Documentation

Contents

About this document

This document describes how to install, configure and use the SEPA Credit Transfer Customer-to-Bank module for Openbravo.

About SEPA Credit Transfer

SEPA Credit Transfer is an European Credit Transfer system for payments in EUR. It is the official credit schema since February 2014.


The SEPA Credit Transfer (SCT) Scheme enables payment service providers (PSPs) to offer a core and basic credit transfer service throughout SEPA for either single or bulk payments. The scheme's standards facilitate payment initiation, processing and reconciliation, based on straight-through-processing (STP). The scope is limited to payments made in euro, within the 33 SEPA countries. The PSPs executing the credit transfer must formally participate in the SCT Scheme.


About SEPA Credit Transfer implementation for Openbravo

The SEPA Credit Transfer implementation for Openbravo is distributed as a commercial module that can be directly installed by the user through the Module Management window.

This modules is based on the Remittances infrastructure for Openbravo. It is highly recommend to read its Configuration Manual and the User Documentation before working with the SEPA Credit Transfer module.

The final objective of the module is to generate a XML file compatible with the SEPA Credit Transfer standard based on the ISO 20022, that can be sent to a bank to pay money to your vendors.

Installing the module

The SEPA Credit Transfer is a commercial module that requires:

To install the module and its dependencies, you just need to login as System Administrator, go to the Module Management window, search for the SEPA Credit Transfer Customer-to-Bank module and install & rebuild the system as usual.

Sepa install.png


Configuring the module

Applying the dataset

Go to the Enterprise module management window and apply the SEPA Credit Transfer Customer-to-Bank dataset as it is shown in the screenshot.
Remittance infrastructure dataset needs also to be applied.

Sepa emm corect.png

The SEPA Credit Transfer Customer-to-Bank dataset adds:

Sepa corect paymentmethod.png

Current supported schema versions are:

Each country and bank may support different schema versions. Contact your bank and ask about the right version to use. Currently, the most extended version is *pain.001.001.03. SepaCredit 03.png

Configuring the Remittance Type Parameters

As you can see in the previous screenshot, the remittance type contains a set of parameters that define the way the XML SEPA file will be generated. In general it shouldn't be necessary to modify these parameters, but depending on your country or bank specific rules, you may need to change any of them. It is recommend to use the default configuration and, if the bank doesn't accept the file, then try to change the configuration accordingly.

This is the list of parameters:

Configuring the Financial Account

IBAN and BIC (Swift Code)

If you haven't entered it before, you must define the IBAN and bank BIC (Swift Code) associated to the financial account. Openbravo will automatically validate the IBAN code format based on the bank's country.

Sepa financial account.png

This information is mandatory in order to generate the SEPA XML file. If you try to generate the file without providing this information, the process will fail informing about the problem.

Optionally, you can set the BIC (Swift Code) as not mandatory by setting the remittance type parameter called BIC_SWIFT_MANDATORY to N.

Associate the Payment Method

Finally, the SEPA Credit Transfer Customer-to-Bank payment method must be included into the list of payment methods for the financial account.

This payment method:

Configuring the Business Partners

IBAN and BIC (Swift Code)

If you haven't entered it before, you must define for each business partner:

In that case, Openbravo can generate business partner's IBAN code on the fly based on the Generic Account Nº entered by setting the remittance type parameter called GENERATE_BUSINESSPARTNER_IBAN to Y.

It is also possible to define the bank BIC (Swift Code) associated to each business partner.
Optionally, and in case it is not known, you can set the BIC (Swift Code) as not mandatory by setting the remittance type parameter called BIC_SWIFT_MANDATORY to N.

This information is mandatory in order to generate the SEPA XML file. If you try to generate the file without providing this information, the process will fail informing about the problem.

Generating the SEPA Credit Transfer XML file

The remittances must be created and executed at the Remittance window.

In order to get the SEPA Credit Transfer XML file it is necessary to create a new record and enter:

Sepa ct remittance.png

After that you just need to select the payments/orders/invoices to be included into the file. This can be done through the Select Payments and Select Orders or Invoices buttons, which open a popup where you can pick the records. Remember that you can also add payments associated to any payment method by setting the Show payments for alternative payment methods to Yes.

Sepa ct selectpayments.png

Once you have included all the lines, you must process the remittance (clicking the Process button). This will enter the list of Bank Instructions that will be used for creating the file. Inside this tab, you can review or even modify some data.

To generate the SEPA XML file, just click on the Create Remittance File button. If everything is OK, your browser will download the file ready to be sent to the bank. In case of errors, the system show the error description and won't generate the file.

Finally, you just need to send the SEPA XML file to your bank that should import it successfully.

EPC Guidelines

SEPA XML file generated from Openbravo fulfill the EPC Guidelines for the basic Latin characters set, therefore:

Common characters such as "á" or "Á" will be replaced as "a" and "A" in the SEPA XML file, same applies to characters "ñ" and "Ñ" which will be replaced as "n" and "N".

The character "\n" that indicates a new paragraph will be replaced as " ", that indicates an "empty" space.

Finally, any other character not in the following list will be removed from the SEPA XML file:

a b c d e f g h i j k l m n o p q r s t u v w x y z
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
0 1 2 3 4 5 6 7 8 9
/ - ? : ( ) . , ' +
Space

Retrieved from "http://wiki.openbravo.com/wiki/SEPA_Credit_Transfer_Customer-to-Bank/User_Documentation"

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