[IMP] accounting: SEPA

closes odoo/documentation#3100

Taskid: 2890089
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Signed-off-by: Platteau Xavier (xpl) <xpl@odoo.com>
Signed-off-by: chiaraprattico <chpr@odoo.com>
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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, the Single Euro Payments Area, is a payment-integration initiative of the European Union to
simplify bank transfers denominated in euros. SEPA allows you to send payment orders to your
bank to automate bank wire transfers.
SEPA is supported by the banks of the 28 EU member states as well as
Iceland, Norway, Switzerland, Andorra, Monaco and San Marino.
SEPA is supported by the banks of the 27 EU member states, as well as:
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.
EFTA countries:
By default,the file follows the SEPA Credit Transfer **'pain.001.001.03'**
specifications. This is a well-defined standard that makes consensus
among banks. However, according to the country set on your company,
another format can be used : **'pain.001.001.03.ch.02'** for Switzerland
and **'pain.001.003.03'** for Germany.
- Iceland;
- Liechtenstein;
- Norway;
- Switzerland.
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.
Non-EEA SEPA countries:
- Andorra;
- Monaco;
- San Marino;
- United Kingdom;
- Vatican City State.
Non-EEA territories:
- Saint-Pierre-et-Miquelon;
- Guernsey;
- Jersey;
- Isle of Man.
When paying a bill in Odoo, you can select SEPA mandates as a payment option. At the day's end,
you can generate the SEPA file containing all bank wire transfers and send it to the bank.
By default, the file follows the SEPA Credit Transfer **'pain.001.001.03'** specifications. This is
a well-defined standard among banks. However, for Swiss and German companies, other formats are used
**'pain.001.001.03.ch.02'** for Switzerland and **'pain.001.003.03'** for Germany.
Once the payments are processed by your bank, you can directly import the account statement in
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
---------------------------
Activate SEPA Credit Transfer (SCT)
-----------------------------------
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.
To pay suppliers with SEPA, you must activate the **SEPA Credit Transfer** setting. To do so, go to
:menuselection:`Accounting --> Configuration --> Settings --> Vendor Payments: SEPA Credit Transfer
(SCT)`. By activating the setting and filling out your company data, you will be able to use the
SCT option when paying your vendor.
.. note::
According to your country and the chart of account you use, this module may
be installed by default.
According to the localization package installed, the **SEPA Direct Debit** and **SEPA Credit
Transfer** modules may be installed by default. If not, they need to be :doc:`installed
<../../../../general/apps_modules>`.
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.
From the accounting dashboard, click on the drop-down menu (:guilabel:`⋮`) on your bank journal and
select :guilabel:`Configuration`. Click the :guilabel:`Outgoing Payments` tab, and, if not already
present, add :guilabel:`SEPA Credit Transfer` under :guilabel:`Payment Method`.
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 numbers do not work with SEPA) and
the BIC (bank identifier code) in the :guilabel:`Journal Entries` tab.
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.
Registering payments
--------------------
.. 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.
You can register and vendor payments made with SEPA. To do so, go to :menuselection:`Accounting -->
Vendors --> Payments`. When creating your payment, select :guilabel:`SEPA Credit Transfer` as the
:guilabel:`Payment Method`.
.. image:: sepa/sepa01.png
:align: center
The first time you pay a vendor with SEPA, you have to fill in the :guilabel:`Recipient Bank
Account` field with the bank name, IBAN, and BIC (Bank Identifier Code). Odoo automatically verifies
if the IBAN format is respected.
Pay with SEPA
=============
For future payments to this vendor, Odoo will automatically suggest you the bank account, but it
remains possible to select a new one.
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:: sepa/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:: sepa/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:: sepa/sepa04.png
:align: center
Troubleshooting
===============
The bank refuses my SEPA file
-----------------------------
Ask your bank if they support the **SEPA Credit Transfer specification**
(the SEPA pain version depends on the country set on your company). If
they don't, or cannot provide relevant information, 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`
- :doc:`../../bank/setup/bank_accounts`
- :doc:`../../bank/reconciliation/use_cases`
Once your payment is registered, do not forget to confirm it. You can also pay vendor bills from the
bill directly using the :guilabel:`Register Payment` button at the top of a vendor bill.
The form is the same, but the payment is directly linked to the bill and will be automatically
reconciled with it.

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