[ADD] accounting: Pay with SEPA

https://docs.google.com/document/d/10BfS3_01FcwNn6EUotnAk83NmMQgdMoe1jROtWpKeZQ/edit

accounting/payables/pay/sepa.rst

@@ -1,3 +1,140 @@
 =============
 Pay with SEPA
 =============
+
+SEPA, the Single Euro Payments Area, is a payment-integration initiative
+of the European union for simplification of bank transfers denominated
+in EURO. SEPA allows you to send payment orders to your bank to automate
+bank wire transfer.
+
+SEPA is supported by the banks of the 28 EU member states as well as
+Iceland, Norway, Switzerland, Andorra, Monaco and San Marino.
+
+With Odoo, once you decide to pay a vendor, you can select to pay the
+bill with SEPA. Then, at the end of the day, the manager can generate
+the SEPA file containing all bank wire transfers and send it to the
+bank. The file follows the SEPA Credit Transfer 'PAIN.001.001.03'
+specifications. This is a well-defined standard that makes consensus
+among banks.
+
+Once the payments are processed by your bank, you can directly import
+the account statement inside Odoo. The bank reconciliation process will
+seamlessly match the SEPA orders you sent to your bank with actual bank
+statements.
+
+Configuration
+=============
+
+Install the required module
+---------------------------
+
+To pay suppliers with SEPA, you must install the **SEPA Credit Transfer**
+module. This module handle the process of generating SEPA files based on
+Odoo payments.
+
+.. note::
+
+	According to your country and the chart of account you use, this module may
+	be installed by default.
+
+Activate SEPA payment methods on banks
+--------------------------------------
+
+In order to allow payments by SEPA, you must activate the payment method
+on related bank journals. From the accounting dashboard (the screen you
+get when you enter the accounting application), click on "More" on your
+bank account and select the "Settings" option.
+
+To activate SEPA, click the **Advanced Settings** tab and, in the **Payment
+Methods** part of the **Miscellaneous** section, check the box **Sepa Credit
+Transfer**.
+
+Make sure to specify the IBAN account number (domestic account number
+won't work with SEPA) and the BIC (bank identifier code) on your bank
+journal.
+
+.. note::
+
+	By default, the payments you send using SEPA will use your company name as
+	initiating party name. This is what appears on the recipient's bank statement
+	in the **payment from** field. You can customize it in your company settings,
+	in the tab **Configuration**, under the **SEPA** section.
+
+.. image:: ./media/sepa01.png
+  :align: center
+
+Pay with SEPA
+=============
+
+Register your payments
+----------------------
+
+You can register a payment that is not related to a supplier bill. To do
+so, use the top menu :menuselection:`Purchases --> Payments`. Register your
+payment and select a payment method by Sepa Credit Transfer.
+
+If it's the first time you pay this vendor, you will have to fill in the
+Recipient Bank Account field with, at least, the bank name, IBAN and BIC
+(Bank Identifier Code). Odoo will automatically verify the IBAN format.
+
+For future payments to this vendor, Odoo will propose you automatically
+the bank accounts but you will be able to select another one or create a
+new one.
+
+If you pay a specific supplier bill, put the reference of the bill in
+the **memo** field.
+
+.. image:: ./media/sepa02.png
+  :align: center
+
+Once your payment is registered, don't forget to Confirm it. You can
+also pay vendor bills from the bill directly using the Register Payment
+button on top of a vendor bill. The form is the same, but the payment is
+directly linked to the bill and will be automatically reconciled to it.
+
+Generate SEPA files
+-------------------
+
+From your accounting dashboard, you should see if there are SEPA files
+to generate for every bank account.
+
+.. image:: ./media/sepa03.png
+  :align: center
+
+Click on the link to check all the payments that are ready to transfer
+via SEPA. Then, select all the payments you want to send (or check the
+top box to select all payment at once) and click on :menuselection:`More -->
+Download SEPA Payments`.
+
+.. image:: ./media/sepa04.png
+  :align: center
+
+Troubleshooting
+===============
+
+The bank refuses my SEPA file
+-----------------------------
+
+Ask your bank if they support **PAIN.001.001.03 SEPA Credit Transfers**. If
+they don't, or cannot provide relevant informations, please forward the
+error message to your Odoo partner.
+
+There is no Bank Identifier Code recorded for bank account ...
+--------------------------------------------------------------
+
+In order to send a SEPA payment, the recipient must be identified by a
+valid IBAN and BIC. If this message appear, you probably encoded an IBAN
+account for the partner you are paying but forgot to fill in the BIC
+field.
+
+.. seealso::
+
+	* :doc:`check`
+
+	.. todo:: How to define a new bank?
+	.. todo:: How to reconcile bank statements?
+
+. rst-class:: text-muted
+
+| Written by Fabien Pinckaers (Odoo)
+| Proofread by Arthur Maniet (Odoo), Jordi Ballester (eficent)