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SEPA Direct Debit Customer-to-Bank/User Documentation

Contents

About this document

This document describes how to install, configure and use the SEPA Direct Debit Customer-to-Bank (CORE and B2B) module for Openbravo.

About SEPA Direct Debit

SEPA Direct Debit is an European Direct Debit system for payments in EUR. It is the official direct debit schema since February 2014.


The SEPA Core Direct Debit, like any other direct debit scheme, is based on the following concept: "I request money from someone else, with their prior approval, and credit it to myself". The payer and the biller must each hold an account with a payment service provider (PSP) located within SEPA. The accounts may be held in euro or in any other SEPA currency, however the transfer of funds (money) between the payer's bank and the biller's bank always takes place in the euro currency. The SDD Core allows a biller to collect funds from a payer's account, provided that a signed mandate has been granted by the payer to the biller.

The SEPA B2B Direct Debit is similar to the SEPA Core Direct Debit, but it is only available to businesses, i.e. the payer (customer) must not be a private individual. Apart from that, other SEPA B2B features are:

About SEPA Direct Debit (CORE and B2B) implementation for Openbravo

The SEPA Direct Debit (CORE and B2B) implementation for Openbravo is distributed as a commercial module that can be directly installed by the user through the Module Management window.

This module 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 Direct Debit module.

The final objective of the module is to generate a XML file compatible with the SEPA Core or B2B Direct Debit standard based on the ISO 20022, that can be sent to a bank to collect money from your customers.

Installing the module

The SEPA Direct Debit (CORE and B2B) 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 Direct Debit Customer-to-Bank (CORE and B2B) 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 Direct Debit Customer-to-Bank dataset as it is shown in the screenshot. If you haven't applied yet, you must also select the Remittance infrastructure dataset too.

Sepa emm coredd.png

The SEPA Direct Debit Customer-to-Bank dataset adds:

Sepa coredd paymentmethod.png

In the moment of writing this documentation, the supported schema versions are:

pain.008.001.02
pain.008.001.03

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.008.001.02. Sepa coredd remittancetype.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 Core Direct Debit Customer-to-Bank or the SEPA B2B Direct Debit Customer-to-Bank payment method must be included into the list of payment methods for the financial account. Please add any of them, or both if you want to use Core or B2B schemas for different remittances.

These payment methods:

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.

Mandate Information

Inside the Customer tab at Business Partner window, there is a new field group called SEPA Direct Debit Info, which includes 2 new fields:

where you can specify the information about the mandate signed between the debtor and the creditor to allow SEPA remittances.

Sepa bp mandateinfo.png

Depending on your country or bank specific rules, you may need to fill these fields.

For example, the rules in Spain may force you to include this information into the remittance file, within <MndtRltdInf> XML tag. See image below.

Mandato SEPA DD.png

Obviously, if this information is not provided, Openbravo will generate the SEPA XML file without it.

Generating the SEPA Direct Debit XML file

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

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

Sepa dd 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 dd 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.

You should pay special attention to the Transaction Type field under the SEPA Direct Debit Info group.

Sepa dd transactiontype.png

Here you must define the transaction type (Sequence Type) this instruction belongs to. Possible values are:

By default the system sets the transaction type to RCUR - Recurring because it is the usual one. You should change it accordingly if it is not right, specially by the FRST - First or FNAL - Final when necessary.

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_Direct_Debit_Customer-to-Bank/User_Documentation"

This page has been accessed 4,943 times. This page was last modified on 29 December 2015, at 11:29. Content is available under Creative Commons Attribution-ShareAlike 2.5 Spain License.