L81 – SAP Payment Engine for SEPA Direct
Debit
Process Diagram
Purpose, Benefits, and Key Process Steps
Purpose
 The purpose of this scenario is to describe or support testing of a complete entire account
life cycle with SEPA direct debit functionality, from the creation of the mandate to the
execution of the payment order in Payment Engine.
Benefits
 In this scenario are explained all the relevant processes to all process related to an account
life cycle (that is: account creation, replication, etc.) are explained in detail in the
corresponding BPD document.
 SEPA Direct Debit (SDD) Process.
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Purpose, Benefits, and Key Process Steps
Key Process Steps





DM initiated SEPA Direct Debits
Incoming customer payment file
Incoming interbank payment file
Refund of a Payment Transaction
Return of a Payment Transaction based on not existing account
© 2014 SAP SE or an SAP affiliate company. All rights reserved.
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Required SAP Applications and Company Roles
Required SAP Applications
 SAP Banking Service 8.0
 SAP Payment Engine 7.0
Company Roles
 Back office
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Detailed Process Description
SAP Payment Engine for SEPA Direct Debit
 The SEPA Direct Debit (SDD) Process scheme starts with the creation of a mandate that
basically is a signed agreement between debtor and creditor where the debtor authorizes to
be direct debited in its bank account due to a payment. Afterwards, the creditor must
transfer the required data to its bank to initialize the direct debit process and also must
inform the debtor that this process is ongoing.
 With the initialization of the direct debit process triggered with the Creditor’s Bank a series
of clearing messages between the Creditor’s and the Debtor’s Bank with ISO20022-XMLFormat.
 Finally, as a result of the mentioned messages between the banks the Direct Debit is
executed at the bank of the Debtor.
© 2014 SAP SE or an SAP affiliate company. All rights reserved.
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Process Flow Diagram
SAP Payment Engine for SEPA Direct Debit (1/5)
Banking Services from SAP
SAP Payment Engine
Back Office
Back Office
Icon
Name
1
1
A
B
B
L34 Lifecycle
Current
Account
L35 Lifecycle
Savings
Account
Process Payment
Orders in Payment
Engine
C
Set Day/End-of-Day
Processing
C
Execute Processes
/PE1/PO_EXPERT
/PE1/EOD_SET_DATE
/PE1/POLLER
E
/PE1/PIZ_UPDATER
F
D
SXMB_MONI
D
A
Verify XML Message
DM initiated SEPA
Direct Debits
G
/PE1/PO_EXPERT
BCA_CN_KFG
E
Update Status of Items
for Future Posting
G
Display Payment Item
© 2014 SAP SE or an SAP affiliate company. All rights reserved.
F
Check Payment Order
Status
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Process Flow Diagram
SAP Payment Engine for SEPA Direct Debit (2/5)
Banking Services from SAP
SAP Payment Engine
Back Office
Back Office
Icon
2
2
H
Import file
H
I
I
Process Payment
Orders in the Payment
Engine
Name
J
Incoming customer
payment file
/PE1/FH_IPM_EXPERT
/PE1/PO_EXPERT
/PE1/EOD_SET_DATE
K
/PE1/POLLER
L
/PE1/PIZ_UPDATER
J
Set Day/End-of-Day
Processing
M
K
Execute Processes
N
/PE1/PO_EXPERT
BCA_CN_KFG
L
Update Status of Items
for Future Posting
N
Display Payment Items
on current and clearing
accounts
© 2014 SAP SE or an SAP affiliate company. All rights reserved.
M
Check Payment Order
Status
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Process Flow Diagram
SAP Payment Engine for SEPA Direct Debit (3/5)
Banking Services from SAP
SAP Payment Engine
Back Office
Back Office
Icon
3
3
O
Import file
O
P
P
Process Payment
Orders in the Payment
Engine
Q
Set Day/End-of-Day
Processing
Q
Execute Processes
Incoming interbank
payment file
/PE1/FH_IPM_EXPERT
/PE1/PO_EXPERT
/PE1/EOD_SET_DATE
R
/PE1/POLLER
S
/PE1/PIZ_UPDATER
T
R
Name
U
/PE1/PO_EXPERT
BCA_CN_KFG
S
Update Status of Items
for Future Posting
U
Display Payment Items
on current and clearing
accounts
© 2014 SAP SE or an SAP affiliate company. All rights reserved.
T
Check Payment Order
Status
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Process Flow Diagram
SAP Payment Engine for SEPA Direct Debit (4/5)
Banking Services from SAP
SAP Payment Engine
Back Office
Back Office
Icon
Name
4
4
V
V
BCA_PAYMITEM_RET
URN
W
BCA_PO_DISPLAY
X
BCA_PO_OPD_MASS_
RUN
Y
/PE1/PO_EXPERT
Z
BCA_CN_KFG
Return Payment Item
W
Refund of a Payment
Transaction
Display Payment Order
X
Start Outgoing Payment
Dispatcher
Y
Process Payment
Orders in the Payment
Engine
Z
Display Balances and
Key Figures
© 2014 SAP SE or an SAP affiliate company. All rights reserved.
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Process Flow Diagram
SAP Payment Engine for SEPA Direct Debit (5/5)
Banking Services from SAP
SAP Payment Engine
Back Office
Back Office
Icon
Name
5
5
A
A
Return Payment Item
A
C
Start Outgoing Payment
Dispatcher
A
A
BCA_PAYMITEM_RET
URN
A
B
BCA_PO_DISPLAY
A
C
A
B
Display Payment Order
Return of a Payment
Transaction based on
not existing account
BCA_PO_OPD_MASS_
RUN
A
D
/PE1/PO_EXPERT
A
E
BCA_CN_KFG
A
D Process Payment
Orders in the Payment
Engine
A
E
Display Balances and
Key Figures
© 2014 SAP SE or an SAP affiliate company. All rights reserved.
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Thank you
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