SEPA payments¶
SEPA is a payment integration initiative of the European Union that facilitates standardized, simplified electronic payments in euro across SEPA countries.
With SEPA Direct Debit (SDD), customers sign a mandate that authorizes you to collect future payments from their bank accounts. This is particularly useful for recurring subscription payments. You can keep records of these mandates in Odoo and generate XML files indicating to the bank which payments to collect from customers.
Unlike SDD, SEPA Credit Transfer (SCT) is an outgoing payment method where you “push” funds to a recipient. It is the standard for handling vendor bills, employee salaries, and one-off transfers. These payments can also be grouped into a single XML file to upload to your bank.
注解
Depending on the localization package installed, the SEPA Direct Debit and SEPA Credit Transfer / ISO20022 modules may be installed by default. If not, they need to be installed.
重要
SDD and SCT payment methods are only valid for transactions in EUR currency. If your company is located in the EFTA region, a non-EEA SEPA country, or a non-EEA SEPA territory, consult the ISO 20022 section.
其他资料
SEPA 直接借记¶
配置¶
To enable SDD for customer payments, go to , scroll to the Customer Payments section, enable SEPA Direct Debit (SDD), and click Save. Then, scroll to the Customer Payments section again, set the company’s Creditor Identifier, and click Save.
小技巧
The creditor identifier is provided by your bank or the authority responsible for delivering it
in your country. For testing purposes, you can use the test creditor identifier
DE98ZZZ09999999999.
Mandates¶
An SDD mandate is a legal document authorizing a company to debit funds from a customer’s bank account. It includes key information, such as the customer’s name and IBAN, the mandate’s start and end date, and the mandate’s unique identifier. The mandate form must be filled in and signed by the customer.
创建授权书¶
In the Accounting app, go to , and click New.
Fill out:
Customer: select the customer whose payments are to be managed by this mandate.
IBAN: account of the customer to collect payments from.
SDD Scheme depends on the type of customer. Select CORE for B2C customers and B2B for B2B customers.
End Date: select a date after which the mandate is closed automatically. If this is left empty, the mandate remains active until it closed or revoked.
注解
A valid IBAN must be defined in the bank journal used to receive SDD payments for the mandate.
The B2B scheme is an optional scheme, offered exclusively to business payers. Some banks or businesses might not accept B2B SDD.
Click Send & Print to generate a PDF of the mandate form, then send it to the customer for signature.
点击 验证 以激活该授权书。
小技巧
To print the mandate form after the mandate has been validated, click the (gear) icon, then select (Mandate form).
Once an SDD mandate is active, subsequent SDD payments can be generated via Odoo and uploaded to your online banking interface. Customers with an active SDD mandate can also use this payment method for online purchases.
关闭或撤销授权书¶
To close or revoke a mandate, go to , select the relevant mandate, and click Close or Revoke.
Closing a mandate updates the mandate’s end day to the current day. Invoices issued after the present day will not be processed with an SDD payment. Revoking a mandate immediately disables it. 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.
警告
授权书在最后一次收款日期后的 36 个月会自动关闭。
已关闭或已撤销的授权书无法重新激活。
Processing SDD payments¶
All registered SDD payments can be processed at once by uploading an XML file containing a batch of all posted SDD payments to your online banking interface. To do so, follow these steps:
Create a batch payment and include the SDD payments to collect.
小技巧
您可以使用 SDD CORE 和 SDD B2B 筛选器按 SDD 方案筛选付款。
验证 该批量付款。XML 文件会自动生成，并可在沟通栏中下载。
下载 XML 文件并将其上传到您的网上银行界面以处理付款。
Once the SDD batch payment has been received, reconcile the transaction with the batch payment to mark the related invoices as Paid.
小技巧
To view the payments and invoices linked to a specific SDD mandate, click the Collections and Invoices Paid smart button on the Direct Debit Mandate form.
注解
The files generated by Odoo comply with the SDD PAIN.008.001.02 specifications, as required by the SEPA customer-to-bank implementation guidelines, which ensures compatibility with banks.
其他资料
SDD rejections¶
SDD rejections can occur for several reasons, the most common being insufficient funds in the customer’s account. With SDD, the recipient’s account is credited before the funds are actually debited from the customer’s account. As a result, if an SDD payment is later rejected, the bank automatically withdraws the amount of that payment from the recipient’s account, and a new transaction for a negative amount is created to reflect the SDD rejection.
In this case, you must reverse the journal entry associated with the rejected payment and reconcile the reversal of the journal entry with the transaction for the SDD rejection. To do so, follow these steps:
Access the invoice linked to the rejected SDD payment.
点击 发票行 选项卡页脚中的 (信息)`图标，然后点击 :guilabel:`查看 以访问与该发票关联的付款。
点击 日记账分录 智能按钮以访问相关的日记账分录。
点击 冲销分录，可选择在弹出窗口中编辑字段，然后点击 冲销。系统将创建一个冲销分录，其 参考 会提及初始日记账分录。结果，发票状态将标记为 未付款。
Access the bank journal’s reconciliation view and reconcile the transaction created for the SDD rejection with the reversal of the entry related to the payment.
SEPA Credit Transfer¶
配置¶
To pay suppliers with SCT, from the Accounting app, go to . Under Vendor Payments, activate SEPA Credit Transfer (SCT). Next, fill out your company data:
Your Company: The name of the company to use SCT.
Name Identification: The tax ID of the related company.
Issuer: The name of the entity that issued the tax ID.
After activating SEPA, go to and open your Bank journal. Under Outgoing Payments, add SEPA Credit Transfer as a Payment Method if it’s not there. This allows Odoo to use this bank account to generate XML payment files.
登记付款¶
To register vendor payments made with SCT, first verify that an Account Number and Bank are indicated on the vendor’s contact form, under the Accounting tab. Odoo automatically verifies if the IBAN format is respected.
Then, go to , and click New. When creating your payment, select SEPA Credit Transfer as the Payment Method. The Vendor Bank Account is automatically populated based on the Vendor selected. For future payments to this vendor, Odoo will automatically suggest the bank account, but it remains possible to select a new one from the dropdown menu by clicking the Vendor Bank Account field.
注册付款后，请不要忘记确认。您也可以使用供应商账单顶部的 登记付款 按钮直接从账单中支付供应商账单。形式相同，但付款直接与账单关联，并将自动与账单对账。
ISO 20022¶
注解
The SEPA Credit Transfer / ISO20022 Odoo module acts as the underlying engine for all ISO 20022 transactions. Make sure it is installed.
Some countries and regions require localized, country-specific versions of ISO 20022. These are provided by default with your fiscal localization.
ISO 20022 is a global standard for exchanging financial messaging data between banks. It uses a structured format that bundles payment details and related documents into a single package. This allows computers to automatically read embedded information like invoice numbers, tax details, and sender identification. Unlike SEPA, the ISO 20022 standard supports any currency worldwide.
To use a specific ISO 20022 version in Odoo, open the Accounting app, navigate to , and select your bank journal. Click the Outgoing Payments tab, click Add a line, and select the required ISO 20022 version from the dropdown menu.
PAIN version¶
注解
PAIN is the specific financial message protocol within ISO 20022 or SEPA used to send transfer instructions from Odoo to your bank.
To enable a country-specific PAIN version, check that the corresponding fiscal localization for your country is installed in your database.
重要
ISO 20022 PAIN.001.001.03 is being deprecated in November 2026. Make sure to switch to the newer PAIN.001.001.09 version or the version explicitly required by your country for outgoing payments .
To select a specific PAIN version, open the Accounting app, go to , and open your Bank journal. Depending on your configuration needs:
Click the Incoming Payments tab, and select a version in the SEPA Pain Version field.
Click the Outgoing Payments tab and select a version in the XML Format field.
Export XML files¶
To generate the daily XML payment files required by your online banking portal, create a batch payment. Odoo attaches the generated XML file directly to the chatter, where you can download it for submission to your bank.
By default, the SEPA-compliant XML files generated by Odoo use the PAIN.001.001.09 format. If your workflows require a different format, refer to the PAIN section above.
其他资料