SEPA payments

Here you determine your personal user preferences especially for entering SEPA payments.

Allow invalid creditor-ID

The format and length of the creditor ID for SEPA direct debits are checked by default during entry so that only valid IDs can be entered. Selecting the checkbox deactivates the check so that invalid IDs can be entered.

Display payment category

By default, the field Payment category is displayed when recording SEPA payments. If you do not need this field, you can hide the display.

Display payment method

This setting corresponds to the previous one and applies to the field Payment method.

Use mandate administration

Here you can switch the mandate administration on or off.

By default, you can manage SEPA mandates under the menu item Payments – SEPA mandates. If you do not need mandate management, you can hide the menu item.

Display dialog to determine IBAN and BIC

By default, the payment entry for SEPA payments contains the button Determine IBAN by account number and bank code in the recipient area. The button opens a dialog box in which the IBAN and BIC of German payment recipients can be determined from the account number and bank code. You can hide the dialog box and the button.

Do extended file check

When sending SEPA files, several checks are performed by default: invalid characters such as an exclamation mark in the intended purpose, the originator, recipient and other SEPA data, a payment amount below zero and invalid purpose codes for Austrian tax office payments. In case of an error, an message appears next to the field and the payment cannot be saved.

Do check against the SCL directory

BL Banking Web applies the SCL directory of the Deutsche Bundesbank (German Federal Bank), a list of accessible payment service providers. When SEPA payments are recorded, a check is made by default whether the BIC entered is contained in the SCL directory. If you use the SEPA Clearer of the Deutsche Bundesbank for the automated processing of SEPA payments, accessibility via the SEPA Clearer is thus ensured. The check generates a warning in a yellow info bar, but the payment is still saved. If you often enter BICs that are not in the SCL directory, you can deactivate the check here. Additionally, it is checked whether the required service is entered in the SCL directory. If not, an error message is displayed at the field and the payment is not saved.

Note: Regardless of this setting, the SCL directory functions everywhere as an input aid for a BIC. The entry of an invalid BIC is prevented by the disabled user preference Allow invalid bank connection.
Allow only valid ISO 11649 creditor references

By default, any values can be entered in the field creditor reference. If you only want to use valid values according to ISO 11649, you can enable a check for ISO-compliant values with this setting. The check does not take effect if the field Intended purpose is set in the payment recording.

Allow transfers from and to United Kingdom without originator address

For Great Britain, it is necessary to provide the originator's address for transfers. If the address is known at the bank and is added there, you can disable the mandatory address information.

Allow transfers from a Swiss account without originator address

Transfers from a Swiss account must contain the address of the originator. If the address is known to the bank and is added there, you can disable the mandatory address entry.

Allow transfers from a Swiss account without recipient address

This setting has the same effect as the previous one, only for recipients.

Figure: User preferences for SEPA payments