Solution Overview Presentation - SEPA

7/27/2019 Solution Overview Presentation - SEPA

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SEPA (Single European

Payment Area)

Solution Overview

Christian Mnich

Solution Manager, Bank Communication Management, SAP AG

J anuary, 2010



©SAP 2007 /

1. SEPA - Overview

2. Payment Instruments and Formats

3. SEPA Mandate Management

Agenda



©SAP 2007 /

SEPA - Vision And Definition

An area where citizens, companies, and others will be able to

make and receive payments in euro, within Europe, whether between or

within national boundaries under the same basic conditions, rights and

obligations, regardless of their location.

SEPA definition

Source: European Payments

Council Roadmap, 2004

“SEPA is the largest payments initiative ever undertaken within Europe and possibly the world.”

European Payments Council



©SAP 2007 /

Reasons for SEPA

Reasons for SEPA

Improved interoperability by standardizing fragmented payment markets

Reduced risk and complexity by simplifying cross-border payments

Reformation of the payment industry by harmonization and consolidation is supported

Idea of SEPA is used as an catalyst to upgrade payment infrastructures throughout Europe

Validity Area

The European Union – Euro Countries

Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy,Luxembourg, Malta, Netherlands, Portugal, Slovenia and Spain

The European Union – Non Euro Countries

Bulgaria, Czech Republic, Denmark, Estonia, Hungary, Latvia, Lithuania, Poland,Romania, Slovakia, Sweden, United Kingdom

The European Economic Area Iceland, Liechtenstein, Norway

And additionally - Switzerland



SEPA Countries

©SAP 2007 /



©SAP 2007 /

SEPA At A Glance – What Is It All About?

Single

Euro

Payments

Area

Implementation of new payment

instruments and

methods by 2008

Migration of

national paymentmethods (ti ll 201x)

Set-up of new

payment infra-structures

New data t ransfer method for

mass

payments

(SWIFT FileAct)

Establishment of new XML

payment

formats

(ISO 20022)

for SEPA

Replacement of national bank

account

numbers

by IBAN

Replacement of

national bankidentifiers by BIC

Common legal

framework byEurop.

Commission

(Payment Services

Directive)



Payment Instruments used in Europe*

* Source EPC - http://www.europeanpaymentscouncil.eu/knowledge_bank_detail.cfm?documents_id=183



©SAP 2009 / 8

PastPast TodayToday Beyond 201xBeyond 201x

Domesticpayments

Direct

debit

Credit

transfer

Credittransfer

SWIFT-Format

X-Border payments

SWIFT-Format

Europeanpayments

Domesticpayments

Direct

debit

Credittransfer

Direct

debit

Credittransfer

SWIFT-Format

XML-Format

XML-Format

National Format

X-Border payments

SWIFT-Format

Europeanpayments

National Format

Europeanand

Domesticpayments

Direct

debit

Credittransfer

XML-Format

XML-Format

X-Border payments

SWIFT-Format

SEPA Will Change the Payment Landscape



©SAP 2007 /

SEPA – Single Euro Payments AreaUpdate 2009

SEPA CT is live in Europe since Jan 28th 2008 Volume for SEPA transactions currently pretty low – only about 5% of the total credit transfer volume

Direct Debit planned for Q4/2009

Many uncertainties may prevent the timely launch and succesful take up of the scheme

There is currently no official end date for national credit transfers and direct debit schemes officiallyannounced

* Source ECB - http://www.ecb.int/paym/sepa/timeline/use/



©SAP 2009 / 10

SEPA – Single Euro Payments AreaConsequences

SEPA can be considered as a strategic topic to

optimize the whole process of the Financial ValueChain

Harmonized payment instructions for domestic andcross border payments

Credit Transfer, Direct Debit, Card payments

Can be used for domestic payments, cross borderpayments, commercial payments, Payroll payments

Points to consider

Payment structure and instruments, In-House Bank,Netting, Payments on Behalf, Centralized CashManagement

Bank Relationships and Bank Accounts

Bank communication – SWIFTNet/EBICS/Internet

Payment Formats (XML, MT, CSV, IDOC)

Bank Statement processing



©SAP 2009 / 11

SEPA Promise End-to-End InteroperabilitySAP Is on Both Sides

New Message Standards …

Based in UNIFI (ISO 20022) XML Message standards available for complete end-to-end communication

Ordering Customer Beneficiary Customer

Ordering

Customer’s

Financial Institution

Beneficiary

Customer’s

Financial

Institution

XML

Payment initiation

&

FIN MT 101

XML Bulk payments & FIN Category 1 & 2

XML Cash management

&

FIN Category 9

R

E

P

O

R

T

I

N

G

R

E

P

O

R

T

I

N

G

I

N

I

T

I

A

T

I

O

N

R E P O R T I N G

(I N T E R B A N K) P A Y M E N T S

XML Portfolio

FIN Portfolio



©SAP 2009 / 12

SEPA Package from SAP

SAP appreciates and supports the SEPA framework of the European Payment Council,improving straight-through processing and allowing increased transparency into paymentflows

SAP’s Business Suite is already enabled to help customers benefit from the new regulation

A dedicated SEPA package for the SAP Business Suite has been available since the end of 2007

SAP’s SEPA Package is available for all SAP customers with a maintenance contract that is

free of charge (SAP R/3 Enterprise onwards)

Support of new payment formats and inst ruments in SAP ERP

XML enablement of the new standard European SEPA payment formats

SEPA Credit Transfer based on EPC Rulebook 3.2

SEPA Direct Debit based on EPC Rulebook 2.3

Management of SEPA direct debit mandates

Support of IBAN and BIC SEPA Support of MT940 Bank Statements



©SAP 2007 /

SEPA

SAP updates planned 2010

Formats

SEPA Credit Transfer Update according to EPC Rulebook 3.2 (see SAP Note 1305012)

SEPA Direct Debit

Update to EPC Rulebook 3.3 (Core) and 1.2 (B2B)

IDOC Enhancements

Enhance PEXR2002 with new segment for SEPA related fields

– IBAN, BIC

– Mandate ID, Creditor ID, Sequence Type, Ultimate Debtor/Creditor

Applications

SAP FI

Update of mandate management according to EPC Rulebooks

In-House Cash

Support of new IDOC structure

Support of new SEPA direct debit and credit transfer Biller Direct

Support if IBAN and BIC in the UI



©SAP 2007 /

SAP Offering2 Alternatives of Your SEPA Implementation

Minimal solution:

„Master data undformat adjustments

have to suffice“

Streamline and OptimizeBank Communication withSAP Bank Communication

Management

Establish a payment factorywith SAP In-House Cash

Innovation

Standard Solution

SAP SEPA Package

Legal Change

Corporation

Strategic progression:

„Chance to optimize

FSCM process“



©SAP 2007 / ©SAP 2008 / Page 15

What needs to be done

in order to send a SEPA CT to your bank

Bank to Bank

IBAN & BIC required

XML Format is mandatory

SEPA Adherence Agreement between Banks precondition

Customer to Bank

IBAN mandatory required, BIC not mandatory needed

Format – many – XML is just one option

XML, CSV, EDIFACT, SAP-IDOC, SWIFT MT, to be negotiated with the correspondingbank

BIC – SWIFT code required

! n:m relations, complex topic, bank services to use

IBAN - BIC

„Only the bank servicing an account can provide the correct International BankAccount Number (IBAN) of that account and the related Bank Identifier Code (BIC).

If you need an IBAN, you need to contact the owner of the account. If you attempt togenerate IBANs of your suppliers or other business partners, you risk having incorrectIBANs.

If you use an incorrect IBAN in your cross-border payment instructions, you risk

making payment to the wrong account or incurring a delay in payment and higherprocessing fees*.

Source: http://www.ecbs.org/iban/iban.htm#warning



©SAP 2007 /

How to start a SEPA project

SEPA can be considered a s a strategic topic to optimize the wholeprocess of the Financial Value Chain

Points to consider

Payment structure and instruments, In-House Bank, Netting,Payments on Behalf, Centralized Cash Management

Bank Relationships and Bank Accounts

Bank communication – SWIFTNet / EBICS / Internet

Payment Formats (XML, MT, CSV, IDOC)

Bank Statement processing



©SAP 2007 /

Results

Harmonized payment instructions for domestic and cross border payments

Credit Transfer

Direct Debit

Card payments

Can be used for domestic payments, cross border payments, commercial payments, Payrollpayments

Payments in EURO, within European Union, not urgent

Results

Fully automated processing of mass payments will result in high levels of efficiency

Beneficiary receives the amount within 3 days without any fees

Remittance information are not changed by the bank

Possible to use additional fields

Reporting Messages available



©SAP 2007 /

SEPA

Lower costs of payments

Lower total cost of ownership (TCO): fewer formats and so on

Increased transparency and better cash management forecast

Consolidation among banks

Potential for cash management centralization (Payment Factory) with SAP

In-House Cash

Replace excisting bank applications with SAP Bank Communication

Management

Reduce various cost intensive bank communication interfaces with SAPIntegration Package for SWIFT

Expected Consequences and Benefits of SEPA



©SAP 2007 /

1. SEPA - Overview



Agenda



©SAP 2007 /

SEPA changes at a glance (SEPA Credit

Transfer and SEPA Direct Debit)

New formats and standards

Uniform ISO 20022 based SEPA xml format (mandatory for interbank use / recommended forclient/bank interface)

New data elements

IBAN and BIC to replace national bank code and account number

End-to-end data flow for Corporate process improvements: orderer reference field, full

remittance information, uniform standards and codes for exception processes

New processes

Harmonized execution timelines

Harmonized exception processes



©SAP 2007 /

New Payment Methods And Instruments

SEPA Credit Transfer (SCT)

Transfer from an originator (payer) to a beneficiary (payee) via the originator’s ownbank (originator bank), a clearing and settlement mechanism, and the beneficiary bank

SAP Note 1062489 and 1305012

SEPA Direct Debit (SDD)

Payment order triggered bya creditor (payee) to debit a debtor (payer)via the creditor bank, a clearing and settlement mechanism, and thedebtor's bank

SAP Note 1090321

Bank Statement MT940

SEPA support for MT940

SAP Note 1112530 and 1085596



©SAP 2007 /

What has been delivered so far?

For the New Payment Schemes:

SEPA Credit Transfer Scheme Rulebook

SEPA Direct Debit Scheme Rulebook

Supporting documents:

SEPA Data Model

UNIFI (ISO 20022) XML Standards Implementation Guidelines

PE-ACH/Clearing and Settlement Mechanism Framework



©SAP 2007 /

TodayToday 2008 – 201x2008 – 201x Beyond 201xBeyond 201x

SEPA will change the Payment Landscape

Domesticpayments

Direct

debit

Credit

transfer

Credittransfer

SWIFT-Format

X-Border payments

SWIFT-Format

Europeanpayments

Domesticpayments

Direct

debit

Credittransfer

Direct

debit

Credittransfer

SWIFT-Format

XML-Format

XML-Format

National Format

X-Border payments

SWIFT-Format

Europeanpayments

National Format

Europeanand

DomesticPayments

Direct

debit

Credittransfer

XML-Format

XML-Format

X-Border payments

SWIFT-Format



©SAP 2007 /

Four Corner Model: European Credit Transfer

Originator BeneficiaryNeeds to make a payment

BeneficiaryBank

Originator

Bank

Credit

beneficiary

accountCredittransfer

instructionClearing &

Settlement

Mechanisms

Debit or iginator‘s

account & send

credit transfer

message

Forwardcredit transfer

message



©SAP 2007 /

Definition: The Mandate is the authorization and expression of consent given

by the debtor to the creditor to allow such creditor to initiate collections for debiting the specific debtor’s account and to allow the debtor bank to comply

with such instructions…

Mandate Management

Debtor Creditor Creditor

Debtor Bank Creditor Bank

CSMs



©SAP 2007 /

Four Corner Model: Direct Debit

Debtor

gives the mandate to

the creditor to initiate

collections

receives the mandate

from the debtor to initiate

collections

Creditor

Signed Mandate

Creditor Bank

Mandate-related

Data Transmission

Debtor Bank

Pre-notification

Mandate

Direct Debit

Initiation

Direct Debit

ExecutionClearing &

Settlement

Mechanisms

Interbank

Message

Interbank

Message



©SAP 2009 / 29

Management of SEPA Direct Debit MandatesUsing SAP Business Suite

Features

Mandate administration including creation, change, statustracking, and deletion of mandates

Integrate the mandates and operational processes, such asperiodic payment runs – For example, each payment run willensure that SEPA Direct Debits are processed only when a validmandate exists

Apply mandate management to accounts receivable, and contractaccounts receivable and payable, so that mandate management

is useful in many industries, including insurance,telecommunications, media, and utilities

Integration to vendor/customer master data

The payment program checks the existence and validity of theSEPA mandate

The system stores the ID of the SEPA mandate in thepayment data and generates a SEPA-specific paymentmedium as a result

Print out mandates on paper using sample formsSEPA_MANDATE for PDF and SEPA_MANDATE forSmartForms



©SAP 2007 /

SAP Implementation

11 Creation of 2 new payment methods for:

SEPA Credit Transfer

SEPA Direct Debit



©SAP 2007 /

Date Medium Exchange Engine (DMEE)

Transaction

Information

Group

Header

Payment

Information

1.11.1 DMEE Configuration

Data Medium Exchange (DME) is a method of transferring payment

information by way of electronic files. (See SAP Note: 1062489)



©SAP 2007 /

SAP Notes

1.11.1 SEPA Credit Tansfer – SAP Notes

1062489: DMEE Format for SEPA CT

1071341: DMEE Format for SEPA CT in 4.6C

1.21.2 SEPA Direct Debit – SAP Notes

1090321: DMEE-Format for SEPA DD

1046199: Collective Note – Support for SEPA Mandates



©SAP 2007 /

Screenshots



©SAP 2007 /

SEPA Information in Account Statements

In addition to the remittance

information, theSEPA Credit Transfersand Direct Debits contain a set of special fields for the transmission of references. These reference fields canbe used by the ordering andbeneficiary party to streamline and

Automate the Reconciliation of Payments.

In order to distinguish these referencesin the account statements and toenable clients to automatically processthem across all banks, there will be a

uniform approach.



©SAP 2007 /

SAP Notes

1.31.3 Bank Statement Processing – SAP Notes

1112530: SEPA enhancements in MT940

1091178: Inform mandate management of returns



©SAP 2007 /

Enhanced IBAN solution (1)

To assign an IBAN to a vendor, creditor or business partner either:

Enter IBAN manually (bank key, bank country and bank account number

can are derived from the IBAN)

Enter bank country, bank key, bank account number (system proposes the

IBAN). Once confi rmed the IBAN is stored in the master record.

2 1



©SAP 2007 /

Enhanced IBAN solution (2)

Enhanced IBAN solution available as of mySAP ERP 2005

IBAN does not require a mandatory bank account number

Improved visibili ty of the IBAN

Optional activit ion (Transaction: F_TIBAN_WO_ACCNO)



©SAP 2007 /

SAP Notes

1.41.4 Bank Master Data – SAP Notes

1091178: Verfügbarkeit "IBAN ohne Bankkontonummer" im FI

1120972: BICPlusIBAN Directory

1019633: IBAN Schweiz und das SIC IBAN-Tool



©SAP 2007 /

Outbound delivery

SEPA Credit Transfer SP29

SAP R/3 Enterprise

SEPA Credit Transfer SP17 und SP18

SEPA Credit Transfer SP11 /EhP1 SP01 /EhP2 SP00

SAP ERP 2004

SAP ERP 6.0

Prerequisite:

- maintenance contract

Delivery asSupport

Package(s)

since Q3/2007

SEPA DD and third-party management SP12EhP2 SP02 /EhP3 SP00

SEPA DD and third-party management SP19

SEPA DD and third-party managementSP30

Further information/advice:- SAPNote 1062489- SAPNote 1090321- SAPNote 1071341



©SAP 2007 /

SEPA Competence Center

http://service.sap.com/SEPA



©SAP 2007 /

Activation of the Mandate Management

•Activate it and determine the number of usehistory

•Include subscreens

•Add Function Modules that make datasupplements and further checks

•Define a form name for printing SEPAMandates



©SAP 2007 /

Use in Multiple Applications

•SEPA can be used by several applications: FI-CA, FI, Banking

• The system determines the default application, however it can be changed

•When the Mandate is displayed or changed the system determines automatically theapplication it belongs to

FSEPA_M1



©SAP 2007 /

Creating, Displaying and Changing Mandates I

• The dialog transactions for the SEPA Mandates are found under Accounts

Receivable -> Master Records

• The prerequisite is the activation and customizing presented previously

•Five new transactions facilitate the management of mandates:

• Create

• Change

• Display

• List

• Create in mass run



©SAP 2007 /

Creating, Displaying and Changing Mandates II

Features

In the dialog transactions for creating, displaying, and changing mandates, you can select dataon the initial screen using the following criteria:

Mandate

ID of vendor

IBAN

Business partnerContract account

Contract

Company code

If the system determines there is more than one mandate that meets the criteria, then it displaysthe results in a list in a dialog box. Double click on a row in the list to see detailed information for

it. In the detail view, the data for the mandate is displayed on the following tab pages:

On the initial screen, you can lock all existing mandates for the IBAN of the business partnerand the vendor ID by choosing the pushbutton Global Locks in the toolbar.



©SAP 2007 /

Creating, Displaying and Changing Mandates

III

Tab page Function

Basic data Shows the status, the validity, and the administrative data

Sender Shows the address and bank data of the sender of themandate (business partner)

Recipient Shows the address of the recipient of the mandate (companycode)

Use Shows the use of the mandate by the payment program

Versions Shows older versions of the mandate

When you save, the system (in the standard system) creates a twelve-character ID for eachmandate. If you want to have an ID that differs from this standard setting, then define event0570.

The functions for creating, displaying, and changing SEPA mandates are protected byauthorization objects F_KKSEPA and F_SEPA_MDT.



©SAP 2007 /

Maintaining Mandates in Payment Data

Processing

• You can create, change, and display mandates not only in the dialog transactions

specifically for this, but also in the processing transaction for payment data.

Prerequisites

For you to be able to create mandates for bank data, an IBAN has to be entered inthis bank data.

FD02



©SAP 2007 /


Processing II

By clicking the system automatically enters the data from the business partneron the Sender tab page, and the data from the company code on the Recipient tab page.

Subsequent changes to the address and bank data do not automatically result in changes tothe entries in the mandate.

If you want to specify your own default values that are different from these, define event 0572. The system specifies the default value for the vendor ID in event 0571. If you want a differentvalue, implement a customer-specific function module for event 0571.



©SAP 2007 /


Processing II

•After having filled out the status, validity and

generated the supplement data thecompleteness of the mandate can be checkedby choosing

• Thereafter, the mandate can be printed bychoosing



©SAP 2007 /


Processing III

• To change Mandates in the Payment Data Processing, choose

• The system selects the mandates that are assigned to the business partner andIBAN, and displays them in a dialog box.

•If the system is not able to find any mandates, it opens a dialog box and asks you tocreate a mandate. To create a mandate, confirm the dialog box and proceed asdescribed above.

•Select the mandate you want to change by double-clicking.

•Enter your changes and choose Continue.

In the same dialog box, you have the option of creating new mandates or creating

them with a template. Choose either the pushbutton or the pushbutton.



©SAP 2007 /

Creating Mandates in Mass Runs I

Generates mandates for the corresponding bank details in the Payment Transactionmaster records of the accounts receivable



©SAP 2007 /

Creating Mandates in Mass Runs II

Prerequisites:

•An IBAN has to be defined in the master record of the customer

•In the Bank Details the Collection Authorization selection box must be checked

•A corresponding SEPA Payment Method must be defined in the master record of thecustomer

• The items Foreign business partner allowed and Cust/vendor bank allowed abroadshould be checked in the Payment methods in company code customizing



©SAP 2007 /

Creating Mandates in Mass Runs III

In the output control of the Mass creation transaction, there are two importantcheckboxes to consider:

•No Duplicates: If checked, the system does not create a mandate when a bankaccount has already an assigned mandate

•No Partial Run: In this case, the system does not make any changes to the databaseor archive if an error occurs (all or nothing).



©SAP 2007 /

Documentation

http://help.sap.com/erp2005_ehp_04/helpdata/en/9a/4de506f0c24412b51fb65301e9

901d/frameset.htm



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Solution Overview Presentation - SEPA

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