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Break-out: practical questions

Discussed topics

• The schemes: Core vs B2B• Mandate lifecycle management• R-message flows• R-message timings

• The migration in practice: what to know

• Remaining questions

What is the core Scheme?

• mandatory scheme, to which all SEPA-compliant banks must adhere

• mainly intended for business to consumer collections

• mandates can be automatically migrated

• possibility of refund by debtor

• different dates compared to B2B scheme

What is the B2B Scheme?

• Optional scheme, with the following characteristics:- Not all banks adhere to the B2B scheme

(virtually all belgian banks have signed up though)- No refund right for debtor- No unauthorized transactions: debtor banks must verify mandate- Specific B2B mandate- Also applicable on micro-enterprises

(<10 employees, turnover < 2m EUR)- Different timelines compared to Core scheme

• Creditor-centric: debtor waives protection as set forth by PSD

• SDD B2B only possibility in Belgium to avoid refund

All amendments must be confirmed by the debtor!

SDD: core vs B2B

• SDD Core scheme for C2B transfers or between enterprises. • SDD B2B scheme is optional for transfers between enterprises.

Mandate lifecycle management

• A mandate can be for one-time use: one-off (OOFF)• Or for recurrent use: recurrent

• Recurrent mandates have a lifecycle that must be adhered to: - First collection: FRST- All collections after first successful collection: RCUR- Final collection: FNAL

Xml tag: Sequence Type (SeqTp)

The sequence impacts submission times

• Next to recurrence, mandates must be amended in case of changes- Only one amendment impacts the recurrence:

• First again: only in case of change of debtor bank (debtor agent)• Implies a change in submission times

- All other amendments don’t affect recurrence:• Change of creditor name• Change of creditor ID• Change of mandate ID• Change of account within bank

Not mentioned in Febelfin guidelines, but mandatory according to EPC; important for international customers!

• Specific case: change of debtor bank: - Change of debtor bank- Change of debtor account

- Change of debtor account mustn’t be mentioned (logical consequence of changing banks)

- Change of debtor bank: • SeqTp: FRST• Old debtor account: not referenced (of no use to the new debtor

bank)• Original debtor bank (OrgnlDebtrAgt): SMNDA (same mandate, new

debtor agent)

R-message flows

Debtor Bank Creditor Bank

Pre-settlement flowsDebtor

Creditor

Request for cancellationThe Creditor submitted the file twice or wishes to withdraw the submitted file

PAIN.007: Reversal message

R-message flows

Pre-settlement flows

Reject:

collections diverted from normal execution prior to interbank settlement for a number of reasons

DebtorCreditor

Refusal:The Debtor refuses the collection (no reason required) towards the Debtor Bank.

No fixed message: debtor calls his bank for refund

R-message flows

Pre-settlement flows

Reject:

collections diverted from normal execution prior to interbank settlement for a number of reasons

DebtorCreditor

PAIN.002 status message

R-message flows

Post-settlement flowsDebtor

Creditor

Return: reject after settlementReversal: request for cancellationRefund: debtor wants the collection turned back

Shown in CODA or bank/Isabel internal account information

R-message flows

Creditor

Reversal: request for cancellation

PAIN.002 status message

R-message flows

Creditor

Return: money returned after settlement (e.g. When refund requested)

Shown in CODA or bank/Isabel internal account information

R-messages & timings

Practical approach to the migration

• New mandate vs existing mandate

• All existing mandates are migrated by means of migration file - Can be downloaded in Isabel 6 after request with creditor bank- Can be requested as test case- Creditor is free to determine launch date of SDD

• Migration file follows strict layout, can be imported in ERP- National Bank has migrated all DOM80 data & account numbers to SDD

compliant data & IBAN/BIC- Contains all extra information contained in SDD mandate- Only concerns B2C mandates!

Practical approach to the migration

• STEP 1: request permission to creditor bank to obtain creditor scheme ID (=equivalent of creditor ID)

• STEP 2: Request migration file to the bank & compare with current debtors in ERP

• STEP 3: Test the different files & routines- Amendments- Sequences- Splits

• STEP 4: Choose between B2B and core

Combining sequences & schemes

• Combining within one physical file (Group level):

- You can’t mix B2B & core in one physical file

• Combining within one payment batch:

possible within physical file, but split on PmtInf level

- You can’t mix FRST and RCUR in one logical file (Payment)- Only one requested collection date per logical file (Payment)

Questions sent beforehand

► Hoe wordt de klant/schuldeiser geïnformeerd omtrent al of niet uitgevoerde SDD-opdrachten wanneer hij geen CODA heeft. Dus hoe is de afhandeling van de boodschappen omtrent SDD?

► Welke programma’s heeft de schuldeiser ter beschikking om de mandaten te beheren in Isabel?

Questions

►CORE / B2B

● Verschil tussen beide?● Kan je beide combineren in 1 DD-xml-file?● Klopt het dat niet alle banken B2B ondersteunen?

Questions

► Hoe omgaan met wijzigingen aan identificatie schuldeiser, mandaatreferte, datum ondertekening, rekeningnummer klant? Verschil tussen beide?

● Wijzigingen aan identificatie schuldeiser, mandaatreferte, datum ondertekening, rekeningnummer klant worden niet doorgegeven in het XML-bericht maar worden behandeld als ‘eerste invordering’ (FRST). Dit is een vereenvoudigde manier om het doorgeven van wijzigingen te vermijden.

● Wijzigingen aan identificatie schuldeiser, mandaatreferte, datum ondertekening, rekeningnummer klant worden wel doorgegeven in het XML-bericht (= veel complexer)

Questions

► Wat houdt de omschakeling van DOM80 naar Europese domiciliëring in? Te volgen stappen?

► Hoe omgaan met terugbetalingen? (bij Europese domiciliëringen kan dit niet meer)

Questions

► Hoe nauw zijn de grote ERP- leveranciers zoals Oracle en SAP hierbij betrokken?

Questions

► SDD

● Wat is correcte lay-out van dit bericht, en de laatste versie? Momenteel verschillen de documenten Febelfin en XSD-schema.

● Hoe met buitenlandse SDD? Blijkbaar lukt dit nog niet voor een aantal Nederlandse banken.

● Info voor overgang van de DOM80 naar Direct Debit Core?

Questions

► Focaliser sur l’état de la connaissance SEPA au niveau du marché et les modes de communications qui permettraient de mieux sensibiliser les entreprises

Questions

► Voor ERP-softwareontwikkelaars:

● Het SEPA-bestand bevat ter controle een ‘som bedragen’. Voor zover wij weten is dit de enige voorziening die de integriteit van het bestand kan waarborgen. Gezien de eenvoud waarmee dit manueel kan gewijzigd worden, vragen wij ons af of er nog mogelijkheden zijn ter voorkoming van het aanpassen van deze bestanden. Bv. Hash totaal controle.

Questions

► Uitleg e-mandates SDD

► Hoe moet een debtor zijn SDD-mandaat annuleren bij de creditor?

● Via aangetekend schrijven zoals testaankoop adviseert?

● Verplichte bevestiging van de annulatie door de creditor?

● Via de bank van de debtor?

Questions

eMandates: the pull model

Routing service

Validation service

In short: the pull model

• The customer enters a form on the creditor website

• The creditor sends this form to a central Routing Service which “calls” the debtor bank’s authentication framework (the Validation Service)

• The debtor electronically signs the mandate by means of a Validation Service

• The validated mandate, together with the reference to the signature, is sent back to the creditor, again using the Routing Service.

• No paper flow required

• Conforms to European requirements

The “pull” model in practice

• Routing service

• Debtor bank• Signature

window

Enter pin:

Zoomit

Validation service

► Serait-il possible de rappeler les différentes (?) échéances et leurs contraintes ?

Questions

© Copyright - Isabel 2006 – All rights reserved. ZOOMIT is a registered trademark by Isabel NV/SA...

Documents

© Copyright - Isabel 2006 – All rights reserved. ZOOMIT is a registered trademark by Isabel NV/SA Informatie sessie Angelo van der Linden Partner Manager,

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