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Batch payments: SEPA Direct Debit (SDD)
SEPA, the Single Euro Payments Area, is a payment-integration initiative of the European Union for simplification of bank transfers denominated in euros. With SEPA Direct Debit (SDD), your customers can sign a mandate that authorizes you to collect future payments from their bank accounts. This is particularly useful for recurring payments based on a subscription.
You can record customer mandates in Odoo, and generate .xml files containing pending payments made
with an SDD mandate.
:::{note} SDD is supported by all SEPA countries, which includes the 27 member states of the European Union as well as additional countries.
. :::
Configuration
Go to {menuselection}Accounting app --> Configuration --> Settings, activate
{guilabel}SEPA Direct Debit (SDD), and click on {guilabel}Save. Enter your company's
{guilabel}Creditor Identifier. This number is provided by your bank institution, or the authority
responsible for delivering them.
:align: center
:alt: Add a SEPA Creditor Identifier to Odoo Accounting
SEPA Direct Debit Mandates
Create a mandate
The {abbr}SDD (sepa direct debit) Mandate is the document that your customers sign to authorize
you to collect money directly from their bank accounts.
To create a new mandate, go to {menuselection}Accounting app --> Customers --> Direct Debit Mandates, on {guilabel}Create, and fill out the form. Export the PDF file by
clicking on {guilabel}Print. It is then up to your customer to sign this document. Once done,
upload the signed file and click on {guilabel}Validate to start running the mandate.
:::{important}
Make sure that the IBAN bank accounts details are correctly recorded on the debtor’s contact
form, under the {guilabel}Accounting tab, and in your own {doc}Bank Account <../bank> settings.
:::
SEPA Direct Debit as a payment method
SDD can be used as a payment method both on your eCommerce or on the Customer Portal by activating SDD as a Payment Provider. With this method, your customers can create their mandates. To ensure the validity of the information given by the customer, they will have to confirm each mandate with one successful bank transfer of the expected amount.
To do so, go to {menuselection}Accounting app --> Configuration --> Payment Providers, click on
{guilabel}SEPA Direct Debit.
:::{important}
Make sure to change the {guilabel}State field to {guilabel}Enabled and set the provider as
"Published" so that it is available for your customers.
:::
Customers using SDD as payment method get prompted to add their IBAN, email address, and to sign their SEPA Direct Debit mandate.
.. todo::
Add link to future **Payment Provider** documentation.
Close or revoke a mandate
Direct debit mandates are closed automatically after their {guilabel}End Date. If this field is
left blank, the mandate keeps being Active until it is Closed or Revoked.
Clicking on {guilabel}Close updates the mandate’s end day to the current day. This means that
invoices issued after the present day will not be processed with an SDD payment.
Clicking on {guilabel}Revoke disables the mandate immediately. No SDD payment can be registered
anymore, regardless of the invoice’s date. However, payments that have already been registered are
still included in the next SDD .xml file.
:::{warning}
Once a mandate has been {guilabel}closed or {guilabel}revoked, it cannot be reactivated.
:::
Get paid with SEPA Direct Debit batch payments
Customer invoices
You can register SDD payments for invoices issued to customers who have an active SDD mandate.
To do so, open the invoice, click on {guilabel}Register Payment, and choose
{guilabel}SEPA Direct Debit as payment method.
Generate SEPA Direct Debit .XML files to submit payments
.xml files with all SDD payment instructions can be uploaded to your online banking interface
to process all payments at once.
:::{note} The files generated by Odoo follow the SEPA Direct Debit PAIN.008.001.02 specifications, as required by the SEPA customer-to-bank implementation guidelines, which ensures compatibility with the banks. :::
To generate your .xml file of multiple pending SDD payments, you can create a batch payment.
To do so, go to {menuselection}Accounting app --> Customers --> Payments, select the needed
payments, then click on {guilabel}Action, and finally {guilabel}Create a batch Payment. Once
you click on {guilabel}Validate, the .xml file is directly available for download.
:align: center
:alt: Generate an .XML file for your SDD payments in Odoo Accounting
Finally, upload this file to your online banking interface to process the payments.
:::{tip}
You can retrieve all the generated SDD .xml files by going to
{menuselection}Accounting app --> Customers --> Batch Payments.
:::
:::{seealso}
- {doc}
batch - {doc}
../bank - List of all SEPA countries
- Sepa guidelines :::