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  2. Payment
  3. Managing bank details

Managing bank details

On this page of the manual, you learn how to save your own bank details and your customers' bank details as well as how to set up EBICS and SEPA.

1. Saving own bank details

The bank details that you save in the basic settings will be linked within the entire system. Corrections to the bank details only have to be made in this one menu. The changes will go into effect for the entire system.

Saving bank details:

  1. Go to Setup » Settings » Bank.

  2. Enter your bank details. Pay attention to the information given in Table 1.

  3. Save () the settings.

Table 1. saving bank details
Setting Explanation

Account holder

Enter the account holder’s first and last name. For displaying this information in the design, use the template variable $BankAccountOwner.

Account No.

Enter the account number. For displaying this information in the design, use the template variable $BankAccount.

Sort code

Enter the sort code. For displaying this information in the design, use the template variable $BankCode.

Bank

Enter the name of the bank. For displaying this information in the design, use the template variable $BankName.

IBAN

Enter the International Bank Account Number. For displaying this information in the design, use the template variable $BankIban.

SWIFT

Enter the SWIFT code. For displaying this information in the design, use the template variable $BankSwift.

2. Saving the customer’s bank details

You can save the customer’s bank details in the Settings tab of a customer’s data record or delete them again as needed. Bank details are needed, e.g. for the payment method debit. There is also an import function for bank details in plentymarkets. Contact a legal adviser for information about the current laws in your own country as well as in other countries of delivery.

Saving the customer’s bank details:

  1. Go to CRM » Contacts.

  2. Search () the contact by means of the filter settings as described in the Searching for a contact chapter.
    → The contacts that correspond to the search criteria entered are displayed.

  3. Click in the line of the contact.
    → The detail view of the contact opens.

  4. Click on Bank data.

  5. Carry out the settings as desired. Pay attention to the information given in Table 2.

  6. Save () the settings.

Table 2. saving the customer’s bank details
Setting Explanation

IBAN;
BIC;
Account holder;
Account number;
Sort code

Enter the customer’s bank details.
If IBAN and BIC are entered manually, then they will be checked with cKonto. A message will be displayed in case of errors.
If the account numbers and sort codes are saved in the bank details, then you can enter the IBAN and BIC with an automatic migration process. For further information, refer to the chapter Migrating bank details.

SEPA direct debit mandate

Activate this option once the customer has signed the SEPA direct debit mandate.
Important: This option needs to be activated before pain.008 formats can be retrieved for SEPA payments.

Type of mandate

SEPA core direct debit = Allows a biller to collect funds from a payer’s account, provided that a signed mandate has been granted by the payer to the biller.
SEPA business to business direct debit = Enables business customers in the role of payers to make payments by direct debit.

Payment frequency

One-time payment = Typically used for standard orders.
Recurring payment = Typically used for regularly occurring orders such as subscription orders, etc.

3. Migrating bank details

In order to change from regular payments to SEPA payments, migrate the bank details of all customers who pay with debit. Those are the customers who use the payment method debit or who have subscription orders in the Scheduler menu.

Migrating bank details:

  1. Go to Setup » Settings » Hosting » Migration.

  2. Expand the area Bank details.

  3. Carry out the settings as desired. Pay attention to the information given in Table 3.

  4. Click on the gear-wheel icon () to migrate the data.

  5. Check the data that was migrated in the Tab: Settings » Tab: Bank details.

Table 3. bank details migration
Setting Explanation

Total

The total number of bank data records that exist in the system.

Without IBAN

Bank details without SEPA data.

Bank accounts

Select the bank accounts to be migrated.
Bank accounts without IBAN/BIC only = Only bank accounts for which IBAN and BIC are not available, will be migrated.
Bank accounts = All bank accounts will be migrated. Select, if you are not sure that all bank details are correct. The data will be checked by cKonto during the migration process. This will help you avoid potential errors.

Number

Select the number of data records to be migrated.
All = All data records will be migrated.
500 = 500 data records will be migrated. Select 500 if a large number of bank data records needs to be migrated. This will split the migration.

4. EBICS

EBICS (Electronic Banking Internet Communication Standard) is a transmission protocol for banking information for usage by banking clients. With the help of the standardised EBICS procedure, retrieving payments has become even easier. This plugin completely integrates EBICS in plentymarkets. No third party providers are required.

For communication via EBICS, your sales figures are saved on the bank server in a file, comparable to bank statements. This file is imported in your plentymarkets system and the sales figures are booked in plentymarkets. The linked EBICS account can be seen as a combined account of several bank accounts. A file with the sales figures of an EBICS account is generated daily (Format CAMT053 or MT940) after activation by the bank. This file can be retrieved at night and all incoming payments are available the next morning. In addition, multiple interim transaction report files are generated daily (Format CAMT052 or MT942) which can be retrieved to book interim transaction reports in your plentymarkets system.

EBICS is integrated into your system with the EBICS plugin To do so, download the EBICS plugin from the plentyMarketplace . To set up EBICS you have to carry out a few basic settings in your plentymarkets system.

Booking the EBICS module

To set up an account, the EBICS module first has to be booked in the configurator.

4.1. Applying for EBICS at your bank

The first step in using EBICS in plentymarkets is registering for the procedure with your bank to receive the necessary documents to fill out and return. Once completed, you will receive all data you need to use EBICS, e.g., the bank customer ID.
The following details for EBICS have to be entered in the form.

Existing EBICS accounts

It is not allowed to set up existing EBICS accounts which are already in use in plentymarkets. Multiple users (participants) can be listed in an EBICS account. If you already hold an account, then apply for a new one (technical user is also possible). Only use this account for plentymarkets.

4.1.1. Account numbers

Enter the account numbers for the accounts that you would like revenue to be retrieved and booked into plentymarkets from. Entering account numbers is optional because the retrieval is technically based on the user data. For further information about entering or not entering of account numbers refer to Table 4.

Only save business accounts

There is currently no option in plentymarkets for setting up accounts individually for EBICS retrieval. This means that payment transactions can only be retrieved globally by the plentymarkets system for all accounts saved. This includes e.g. payment transactions on your private account as well, if this account was saved. For this reason, only save the account numbers of your business accounts.
One account for several users

If several different users all refer to the same account (some banks manage multiple accounts together), then problems may occur if retrieval is carried out simultaneously. This is true even if the users work with different plentymarkets systems. There is currently no solution to prevent this.

4.1.2. Provision of bank statements

Provisioning of bank statements can either be done based on the date of the bookkeeping entry or based on bank statements.

Table 4. Provision of bank statements
Setting Explanation

Based on date of bookkeeping entry

A fictitious, consecutive number is included. This setting is activated by default.

Based on bank statements

An effective bank statement number is included. Provided that automatic bank statement retrieval is carried out on a daily basis.

4.1.3. Participants

When setting up your accounts for EBICS, you create one or more users for your accounts. EBICS users are called participants (German: Teilnehmer). You can create participants including different order types. One of these participants has to be saved in the plentymarkets system with the participant ID that you received from your bank.

plentymarkets only requires one participant, e.g. a user account with the lowest rights, in order to carry out the EBICS payment retrieval. Only one participant may be set up per EBICS account.

4.1.4. Order type

Plentymarkets needs the order types as explained in Table 5 in order to successfully retrieve the transactions on your EBICS account. Also pay attention to the notes about order and signature types given on your bank’s forms.

Table 5. Order and signature types
Type Explanation

STA

Statement of account MT940 or CAMT053. Retrieval of the transactions at the end of the day.

VMK

Interim transaction report MT942 or CAMT052. Depending on the respective bank, interim transaction reports are created and made ready for retrieval several times a day. This information is optional for plentymarkets.

EU Type "T"

Signature type that provides authorisation exclusively for the retrieval of transaction data.

4.2. Creating an EBICS account

To use EBICS, you have to create an account first. To do so, proceed as described below.

Creating an account:

  1. Go to Setup » Orders » Payment » Plugin » EBICS.

  2. Click on Create new account ().
    → The Create new account window opens.

  3. Carry out the settings according to Table 6.

  4. Save () the settings.
    → The account is created.

Table 6. EBICS account settings
Setting Explanation

Active

Toggle to mark the account as active.

Account name

Enter the internal name under which the account appears in the overview.

First name

Enter the account holder’s first name.

Last name

Enter the account holder’s last name.

Bank subscriber ID

Enter the bank subscriber ID as submitted by the bank.

Bank customer ID

Enter the bank customer ID as submitted by the bank.

Bank

Select a bank from the list.

Create new bank

Activate to add a bank not listed in the list.
Bank: Enter the name of the bank.
URL: Enter the host URL as submitted by the bank.
This option is only available when creating a new account.

Account version

Select from the drop-down list which account version is be used. Details are available at the bank.

EBICS version

Select from the drop-down list which EBICS version your bank is using. Details are available at the bank.

Interim transaction report

Select from the drop-down list with which method the interim transaction reports are accessed. Details are available at the bank.

Daily account statements

Select from the drop-down list with which method the daily account statements are accessed. Details are available at the bank.

IBAN / Account number

Enter IBANs resp. account numbers of linked accounts separated by commas. The CAMT method requires the IBAN, the MT method requires the account number.

4.2.1. Carrying out EBICS account settings

After creating the account, you can change the settings by accessing it from the account overview. With a set up account, several functions are available to you. These are described in the following. In addition, the log next to the account lists the events for the specific account.

Editing the account

  1. Go to Setup » Orders » Payment » Plugin » EBICS.

  2. Click on Edit to open the account.
    → The window Account settings is opened.

  3. Carry out the settings. Pay attention to the explanations given in Table 7.

  4. Save () the settings.

Domain transfer

Save the basic settings again after carrying out a domain transfer. This updates the EBICS data.
Table 7. EBICS settings
Setting Explanation

Account settings

The settings for the selected account.

Transactions

Manages the business transactions to be retrieved.

Manual payment retrieval

Retrieves all orders of a certain date in case of a technical error.
Note: This function only retrieves the data already saved in the system; the bank is not contacted again.

Get status

Retrieves the current initialisation status from the EBICS tool.

Get order types

Retrieves the order types available on the account. These are the order types currently available on the server. Attention: Using this function too often can cause errors.

Initialise account

The keys are generated and sent to the bank via INI. HIA is activated.

Initialisation letter

Creates a PDF initialisation letter from the generated keys and downloads the document. It has to be signed and sent to the bank for initialisation. The button is inactive until the keys are successfully created.
Note: For the download of the initialisation letter to work properly, the pop-up blocker of your browser has to be deactivated.

Finish initialisation (HPB)

Completes the initialisation with the bank.

Expert Mode

All the following buttons are exclusively intended for the case that the bank required a new execution. The buttons are only available after the activation of the toggle.
Important: Using the expert mode can damage your account in a way it has to be reset by the bank. Use these functions only if demanded by your bank.

Create keys

Creates keys for initialisation.

INI

Initialises the EBICS account.

HIA

Activates HIA.

HPB

Activates HPB.
Contact your bank before making changes

Carry out changes only after consultation with your bank. For example, if you want to use the new CAMT formats, then ask your bank whether or not this format is supported and have the format activated. Then make any necessary changes to the account settings and interim transaction report as described here.

If an account was reset and your bank needs new keys, then we recommend that you set up the EBICS account again in plentymarkets. This way new keys will be generated.

4.2.2. Initialising the account

After you have entered your access data into plentymarkets, the system electronically registers at your bank. Secret key values are necessary for retrieval via EBICS. They are generated by the system. After these key values were created and the initial electronic registration was carried out, the values have to be printed out, signed and handed in at your bank. Only the participant saved in plentymarkets is authorised to sign this document. The bank will not activate the EBICS interface if the signature was not given by the participant saved in the system.

Browser pop-up blocker

For the download of the initialisation letter to work properly, the pop-up blocker of your browser has to be deactivated.

Initialising the account:

  1. Go to Setup » Orders » Payment » Plugin » EBICS.

  2. Click on the card of the account you want to initialise on Edit.
    → The window Account settings is opened.

  3. Click on Initialise account.
    → The keys are generated, INI and HIA are executed.
    Once all processes are completed successfully, the button Create initialisation letter is activated.

  4. Click on Create initialisation letter.
    → The initialisation letter is downloaded as a pdf document.

  5. Sign the initialisation letter and submit it to your bank.
    → The bank checks the information and approves the account. You are informed once this process is complete.

  6. Click on Finish initialisation (HPB).
    → The account is successfully initialised.

The electronically submitted values will be compared with the values on the printed document. Then, the EBICS interface will be activated. From this moment on, the transactions will be retrieved at the retrieval times listed below.

4.3. Retrieval times of transactions

Maximum twice a day, your bank provides the day’s transactions in a data format. Currently, plentymarkets retrieves this data at 6am, 1pm and 11pm. Transaction data is available in the system approximately one hour after the retrieval. In addition, the bank provides interim transaction reports in data format several times a day. These can be retrieved and include the transactions of the current day.

4.4. Retrieval times of interim transaction reports

Since the times when interim transaction reports are made available differ from bank to bank, plentymarkets retrieves them from the banks, if they are available, every hour between 8am and 6pm. For EBICS postings that have unconfirmed interim transactions, the words interim transaction will be displayed in red. If the interim transaction has been confirmed, then the lettering will change from red to green. Additionally, the confirmed posting will be assigned to the corresponding order without having to book the payment again. You have to activate the statement of account in order for interim transaction reports to be confirmed. Pay attention to the explanations given in Table 4.

4.5. Managing transactions

Business transactions are all order types you conduct with your credit institute. The plugin installation does not imbed any transactions. To automatically import and assign the most common transactions, activate the following standard business transactions:

  • 005 – Direct Debit

  • 006 – Other debit entry advice

  • 020 - Transfer order

  • 051 - Transfer credit note

  • 052 – Recurring entry credit memo

  • 063 – Remittance credit – EU standard remittance

  • 065 – Remittance credit (cross-border remittance without reporting data)

  • 070 – Cheque presentation

  • 088 – Remittance credit with fixed value date

  • 104 - SEPA Direct Debit (single entry – debit, B2B)

  • 105 - SEPA Direct Debit (single entry – debit, Core)105 - SEPA Direct Debit (single entry – debit, B2B)

  • 106 – SEPA Cards Clearing (single entry - debit)

  • 107 – SEPA Direct Debit (single entry - debit, direct debit generated by debit card at the point of sale)

  • 152 – SEPA Credit Transfer (credit, recurring instalment payment)

  • 159 – SEPA Credit Transfer return (credit) for remittance that cannot be credited (reverse remittance)

  • 166 - SEPA Credit Transfer (single entry – credit)

  • 169 – SEPA Credit Transfer (single entry – credit, charity payment)

  • 181 – SEPA Direct Debit (credit; recredit, Core)

  • 184 – SEPA Direct Debit (credit; recredit, B2B)

  • 201 – Payment order

  • 202 – Cross-border payment

  • 206 – Cross-border remittance

  • 211 – Receipt of electronic payment

Managing transactions:

  1. Go to Setup » Orders » Payment » Plugin » EBICS.

  2. Click on the card of the account you want to manage on Edit.
    → The window Account settings is opened.

  3. Click on Transactions.

  4. Carry out the settings according to Table 8.

  5. Save () the settings.

Table 8. Managing settings for business transactions
Setting Explanation

Code

Enter the code of a specific transaction and click Search.

Description

Enter the description of a specific transaction and click Search.

Display

As a standard, only active transactions are displayed.
All: Displays a list of all transactions.
Active only: Displays all active transactions.
Inactive only: Displays all inactive transactions.

Group

All: Displays a list of all transactions.
Credit: Displays all transactions of type Credit.
Debit: Displays all transactions of type Debit.

Loading inactive transactions

If you receive payments with a transaction you have not activated, the EBICS plugin cannot process them. Add these transactions to your account.

Loading inactive transactions:

  1. Go to Setup » Orders » Payment » Plugin » EBICS.

  2. Click on the card of the account you want to initialise on Edit.
    → The window Account settings is opened.

  3. Click on Transactions.

  4. Click on Load inactive transactions.
    →The search window is opened.

  5. Enter the date for which you want to load the transactions.

  6. Click on Search.
    → All payments for the selected date which do not fall under the activated transactions are displayed.

  7. Select the transactions you want to activate.

  8. Save () the settings.
    → The transactions are activated.

To assign the payments, execute the Manual payment retrieval as described above. All future payments are automatically assigned.

4.5.1. Adding new transactions

If you receive payments with a transaction code that has not yet been activated, it will automatically be added to the global list. From there, they can be activated as described above.

4.6. Migrating the old integration

If you are using the current EBICS integration, you can migrate your existing accounts to the new plugin. To do so, proceed as follows. The migration button is displayed only if the old integration has accounts that are active and correctly initialised by the bank.

Migrating data:

  1. Go to Setup » Orders » Payment » Plugin » EBICS.

  2. Click on Migration of existing EBICS accounts.
    → All data of the existing integration are migrated to the plugin.
    → The button is deactivated.
    → All accounts are activated in the plugin.

  3. Deactivate the accounts in the old integration.

  4. Activate the transactions in the accounts in the plugin as described above.

5. Setting up SEPA direct debit mandate

As part of the SEPA initiative (Single Euro Payments Area), euro payments were standardized in Germany and 35 other European countries on February 1st, 2014. Bank transfers and direct debits can now only be carried out with IBAN and BIC. You can migrate your customers' bank details automatically in the plentymarkets system. There are different types of direct debits:

  • SEPA core direct debit → Allows a biller to collect funds from a payer’s account, provided that a signed mandate has been granted by the payer to the biller

  • SEPA business to business direct debit → Enables business customers in the role of payers to make payments by direct debit

Business to business direct debits are only permitted between companies (B2B) and they require a separate mandate. You need to receive a SEPA direct debit mandate from your customers. This replaces the previous direct debit authorisation. This mandate is the new legal authorisation for using SEPA direct debit to withdraw funds from another account.

5.1. Creating a document template

Go to Setup » Orders » Documents and click on the SEPA direct debit mandate submenu. There is a template for configuring the SEPA direct debit mandate. For further information about documents, refer to the Document templates page of the manual.

Setting up the document template:

  1. Go to Setup » Client » [Select client] » Locations » [Select location] » Documents.

  2. Click on the SEPA direct debit mandate template.
    → The Template tab will open.

  3. Select a language from the drop-down list.

  4. Carry out the settings as desired. Pay attention to the information given in Table 9.

  5. Save () the settings.

Table 9. setting up the document template
Setting Explanation

Information about the payee

Name of payee;
Street and house number;
Postcode and town;
Country

Enter the seller’s data.

Creditor identifier

Enter the creditor identifier.

Mandate reference

The mandate reference is generated from the customer ID and is automatically saved.

Payment method

Enter the payment frequency. Enter One-time payment or Recurring payment.

Name of person liable to pay

The name is taken from the data given in the bank details and saved automatically. If there is no data in the bank details the name is taken from the contact data.

Formatting

X-axis;
Y-axis

The values are based on a coordinate system with an x-axis and a y-axis. The x-axis goes from left to right and the y-axis from top to bottom. The reference points are in the upper left corner. For further information about the coordinate system, refer to Document templates.

Font size

Select the font size in pixels.

Font style

Select normal or bold for the font style.

Information about the person liable to pay

The information is saved in the customer data record and entered automatically. The IBAN and BIC can only be displayed on the template if they were also saved in the customer data. They are saved there under Tab: Settings » Tab: Bank details.

Show all pages of this template

Select whether to show all pages of this template.

Character set

Select ISO-8859-1 or Unicode. Generating PDF documents in Unicode may take longer.

5.2. Uploading a PDF template

Upload a PDF template in the PDF template tab. Generally, the PDF template is given the same layout as your "business stationary". It includes your company data and logo. When creating the PDF template, add field names for the elements on the template as needed. Add an area for the customer’s signature in the lower portion of the template.

Saving fields in the PDF template

The field names, e.g. IBAN, BIC and Payment method will not be displayed on the actual template. Save the field names in the PDF template.

Uploading a PDF template:

  1. Go to Setup » Client » [Select client] » Locations » [Select location] » Documents.

  2. Click on the SEPA direct debit mandate template.
    → The Template tab will open.

  3. Select a language from the drop-down list.

  4. Click on the PDF template » Tab: New template tab.

  5. Click on Browse…​.
    → The window Upload file will open.

  6. Open the PDF file.

  7. Save () the settings.

5.3. Creating an email template

It is a good idea to send your customers the SEPA direct debit mandate directly after they made a purchase in your online shop. This is done by creating an email template that has the SEPA direct debit mandate as an attachment. Create an event procedure for sending the email.

EN Bank details SEPA Template
Figure 1. creating the SEPA mandate email template

Creating an email template:

  1. Go to Setup » Client » [Select client] » Email » Templates.

  2. Click on the New Email template tab.

  3. Enter a name and select SEPA direct debit mandate under PDF attachment.

  4. Enter a text in the email message tab. This text urges the customer to sign and return the attached SEPA direct debit mandate.

5.4. Sending an email template with an event procedure

The email template is sent with an event procedure. The event procedure is triggered, e.g. whenever a new order is received.

Setting up an event procedure

  1. Go to Setup » Orders » Events.

  2. Click on Add event procedure ().
    → The Create new event procedure window opens.

  3. Enter a distinct Name for the event procedure.

  4. Select the Event according to Table 10.

  5. Save () the settings.

  6. Carry out the further settings according to Table 10.

  7. Activate the option Active ().

  8. Save () the settings.

Table 10. event procedure for automatically sending SEPA direct debit mandates to customers
Setting Option Selection

Event

Order generation: New order

Filter 1

Order > Order type

Order

Filter 2

Order > Payment method

Debit

Procedure

Customer > Send email

SEPA direct debit mandate template;
Customer

5.5. Sending an email template with the group function

The email template is sent by clicking on the Group function button under CRM » Contacts.

Sending an email template:

  1. Go to CRM » Contacts.

  2. Search () the contact by means of the filter settings as described in the Searching for a contact chapter.
    → The contacts that correspond to the search criteria entered are displayed.

  3. Click on Group function.

  4. Place check marks next to those customers who the email template should be sent to.

  5. Select the previously created SEPA email template from the Send email template drop-down list.

  6. Place a check mark next to Send email template.

  7. Click on Apply.

For further information, refer to the Managing contacts page of the manual. Specifically, refer to the chapter Carrying out the group function.

5.6. Activating SEPA payments in the bank details

Carry out the following setting once a customer has signed and returned the SEPA direct debit mandate to activate SEPA payments and retrieve pain008 formats.

Activating SEPA direct debit mandate in the bank details:

  1. Go to CRM » Contacts.

  2. Search () the contact by means of the filter settings as described in the Searching for a contact chapter.
    → The contacts that correspond to the search criteria entered are displayed.

  3. Click in the line of the contact.
    → The detail view of the contact opens.

  4. Click on Bank data.

  5. Activate SEPA direct debit mandate.

  6. Save () the settings.

5.7. Automating SEPA payments

Set up processes to automate your SEPA payments. Go to Setup » Processes and use the procedures SEPA Pain001 and SEPA Pain008.

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