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Version française
SEPA (Single Euro Payment Area) refers to a set of rules and practices aiming at establishing a single payment area in Europe.
Since February 1, 2014 all companies must comply with SEPA to ensure that they will be able to pay their employees, their suppliers and to be paid by their customers.
The situation where you are a supplier that has to debit its customers will be addressed here.
On the other hand, if you have an old tool creating CFONB160 files in txt format, this tool allows you to convert these files into SEPA compliant files.
Your customers have granted you permission to debit their account. You must list these permissions referred to as Mandates.
You must assign a code to each of these mandates. This code is referred to as UMR (Unique Mandate Reference).
If companies are included among your current customers, you must notify them by mail or email of this number associated with the account that you are debiting. In your list of mandates, you must have for each authorization its UMR, the date of signing of the mandate, customer's name and its bank details.
The former IBAN (bank details) is replaced by the pair IBAN (International Banking Account Number): account number / BIC (Bank Identifier Code): bank code.
To be able to debit an account, you need a SCI: SEPA creditor identifier. In France, it replaces the national issuer number (NNE). It is a 13-character code assigned by your bank. The criteria based on which Creditor Identifiers are granted are entirely at the discretion of the responsible bodies in national communities. You must obviously include your name and your account identifiers (IBAN/BIC).
To make a SEPA (SDD - Sepa Direct Debit) collection, you need to list the debits by providing the following information for each:
Type / number / UMR / amount / EUR / free text
Remittance files for SDDs are XML (eXtensible Markup Language) files. They must meet the ISO 20022 standard. And collection files must meet the XML schema: pain.008.001.02.
Using this tool based on Excel 2010 and valid for Excel versions from 2007, you can create a SDD file from a mandates worksheet and a debits worksheet.
If for reasons related to file age or update issues, you can not use it to make SEPA files, Excel tool includes a utility for converting a CFONB160 file into a list of debits.
If they are simple, you can even use your debit information to generate PDF invoices.
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Mandates