Credit transfer migration (flat format conversion to an XML file) is normally simple as only one scheme is defined (CORE scheme - basic service) but following points need to be handled with attention:
All these issues are just handled by a simple parameter customization. The enterprise has just to discuss with its bank the way to migrate. SEPA_NDAT adds no constraint. All the payment files will be converted. In the latest version, the parameters can be automatically updated.
Note: For the credit transfer conversion, SEPA_NDAT could be delivered with a no limit license but this point must be discussed case per case (the kernel having been developed to support batches of several millions of transactions).
The migration of direct debits needs to take care of following points:
The way to define and use a mandate depends on the activity of the company, the number of products and the way the debtor will be debited. Two kinds of enterprises can be defined :
The SEPA logic is the second one. The use of the first one is just a risk for the company: in case of the mandate revocation, all the recoveries will be blocked, treasury will be impacted and additional cost to recover amounts will be needed.
The SEPA project is not limited to the migration of existing contracts. The enterprise has also to define the way to support new customers: old procedures until next February and/or the use of the new procedures based on native SEPA requirements.
Using SEPA_NDAT simplifies the migration to SEPA but some changes have to be planned:
The use of this unique ID is the key to correctly handle direct debits migration.
With or without this applicaiton, the enterprise has to collect or handle the following points with its banks:
If the enterprise has a specific communication application, a new version of this software will certainly be needed to support XML formats.
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Pour les associations et les PME, SEPA_NDAT permet de générer très simplement des ordres de virement, des demandes de prélèvement ou des demandes de règlement SEPAmail à partir de fichiers Excel, de fichiers csv ou par saisie de type portail bancaire.
SEPA_NDAT now allows associations and SME to generate SEPA credit or debit orders easily from Excel or csv files or via keying.
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