[ADD] accounting: Get paid with SEPA

original document: https://docs.google.com/document/d/1XwG82uBpTDXwAfnI70Y_FP0uRVthiCo1VGaymJaqPKI/edit

accounting/receivables/customer_payments.rst

@@ -8,4 +8,5 @@ Customer Payments
    customer_payments/recording
    customer_payments/credit_cards
    customer_payments/check
-   customer_payments/followup
+   customer_payments/payment_sepa
+   customer_payments/followup

accounting/receivables/customer_payments/payment_sepa.rst

@@ -0,0 +1,102 @@
+==================
+Get paid 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 Direct Debit allows you to withdraw money from the bank
+accounts of your customers with their approval.
+
+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, you can record customer mandates, generate an SDD XML file
+containing customer payments and upload it in your bank interface. The
+file follows the SEPA Direct Debit PAIN.008.001.02 specifications. This
+is a well-defined standard that makes consensus among banks.
+
+Configuration
+-------------
+
+Go in :menuselection:`Accounting --> Configuration --> Settings`
+and activate the SEPA Direct Debit (SDD) Feature. Enter the Creditor
+Identifier of your company. This number is provided by your bank.
+
+.. image:: media/payment_sepa01.png
+   :align: center
+
+Get paid with SEPA
+------------------
+
+Direct Debit Mandates
+~~~~~~~~~~~~~~~~~~~~~
+
+Before withdrawing money from a customer bank account, your customer has
+to sign a mandate. Go in :menuselection:`Accounting --> Sales --> Direct Debit Mandates`
+and create a new mandate.
+
+.. image:: media/payment_sepa02.png
+   :align: center
+
+.. tip:: SEPA Direct Debit only works between IBAN Bank Accounts.
+
+Once you have entered all the information in the customer mandate, you
+can print it and ask your customer to sign it. Once it is done, you can
+upload the mandate signed by your customer on the mandate in Odoo.
+
+.. image:: media/payment_sepa03.png
+   :align: center
+
+You can now validate the mandate.
+
+Customer Invoices 
+~~~~~~~~~~~~~~~~~
+
+Let's create an invoice for that customer.
+
+When you will validate this invoice, the payment will be automatically
+generated and your invoice will be directly marked as paid.
+
+.. tip::
+   If you already had some invoices for that customer that could be
+   paid using that mandate, it's still possible to do it. Go on the
+   invoice, click on register payment and choose the Sepa Direct Debit as
+   payment method.
+
+Generate SDD Files
+~~~~~~~~~~~~~~~~~~
+
+You can generate the SDD File with all the customer payments to send to
+your bank directly from the accounting dashboard :
+
+.. image:: media/payment_sepa04.png
+   :align: center
+
+You select the payments in the list that you want to include in your SDD
+File, click on action and select "Generate Direct Debit XML".
+
+.. image:: media/payment_sepa05.png
+   :align: center
+
+You can now download the XML file generated by Odoo and upload it in
+your bank interface.
+
+.. tip::
+   You can retrieve all the generated XML by activating the developer
+   mode and going in :menuselection:`Accounting --> Configuration --> Payments --> SDD Payment File`.
+
+Close or revoke a mandate 
+~~~~~~~~~~~~~~~~~~~~~~~~~~
+
+The Direct Debit mandate will be closed automatically once the end date
+defined on it is reached. However, you can **close** a mandate earlier
+than initially planned. To do that, simply go on the mandate and click
+on the "Close" button.The end date of the mandate will be updated to
+today's date. This means you will not be able to pay invoices with an
+invoice date superior to this end date. Be careful, once a mandate is
+closed, it cannot be reopened.
+
+You can also **revoke** a mandate. In that case, you won't be able to
+pay any invoice using that mandate anymore, no matter the invoice
+date.To do that, simply go on the mandate and click on the "Revoke"
+button.