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JustOn Bank Payments integrates your Salesforce org with your bank in order to exchange payment information.


For details about important operating specifics and conditions, see Before You Start.

App Overview

JustOn Bank Payments provides the Lightning Experience App JustOn Payments and the Connected Canvas App JustOn Payments Connected. JustOn Payments Connected enables users to connect to their bank and to retrieve bank statements. JustOn Payments provides standard Salesforce tabs and detail pages for accessing the retrieved data records.

Important App Concepts

The following concepts are important for understanding the functionality:

Payment-relevant objects

The operation is centered around entries. They represent a payable amount of money and are based on a legally binding statement that originally produces the payment request – like an invoice, installment, order, etc.

The business entity represents the legal entity or organization "doing business". A payment instrument is a SEPA mandate or a credit card handle that allows the business entity to collect money from a customer. The collection is processed either via a payment provider or a bank account. Payments represent the actual money transfer and track its status.

Entry items relate entries with payments in an n:m relationship. This allows, for example, to distribute one money transfer to multiple entries or to settle one entry with multiple money transfers. In this sense, they constitute the reconciliation means.

Other concepts include

  • Bank access: Configuration "bracket" around bank accounts, holds the credentials and parameters for accessing one or more bank accounts (as agreed with your bank)
  • Public bank key: String published by your bank to be used by your JustOn Bank Payments instance to decode and encode the encrypted communication, must be validated by as part of the subscriber confirmation before using the bank access
  • Public subscriber key: String published by your JustOn Bank Payments instance to be used by your bank to decode and encode the encrypted communication, must be validated by the bank as part of the subscriber initialization
  • Bank statement: Represents the daily collection of the recorded money transfer operations for one bank account

SEPA Direct Debit

The European Payments Council (EPC) has established the single euro payments area (SEPA) to standardize cashless euro payments across Europe. It defines, among others, SEPA Direct Debit schemes (SDD): one primarily designed for B2C businesses (SDD Core), and one exclusively for B2B businesses (SDD B2B). The two schemes set common rules for transferring money from a debtor to a creditor, but vary in details (see SEPA Direct Debit).

SEPA Direct Debit is centered around a mandate, which allows the creditor to prove their request for collecting money. The collection is initiated by the creditor, submitting the order to their bank. The order includes information like mandate ID, amount, collection date and debtor IBAN. The bank then executes the order, withdrawing the money from the debtor's account and putting it to the creditor's account.

The common rules include:

  • The mandate is signed by the debtor before the first transaction (typically 14 days before the first collection).
  • The mandate allows one-off or recurrent collections and can be revoked by the debtor at any time.
  • The due date of a collection must not be more than 14 days in the future.

Depending on the scheme (Core or B2B), various timeframes and rules apply for the debtor to object to the money transfer and to order a reverse transaction.

The SEPA Direct Debit Core scheme is mandatory for transactions with consumers (B2C) and optional for transactions with businesses (B2B). Under SDD Core, a debtor can request a refund ("no-questions-asked") within eight weeks of the collection date. In case of an unauthorized transaction – which must be proven –, a debtor can ask for a refund within 13 months of the collection date.

The SEPA Direct Debit B2B scheme is exclusively for businesses. Under SDD B2B, the debtor is not entitled to obtain a refund for an authorized transaction. The debtor's bank, however, may still return a transaction under certain circumstances within three days. To ensure that a transaction is authorized under SDD B2B, the debtor's bank must check whether there is a valid mandate before executing the collection.


This overview on SEPA Direct Debit does not constitute any legally effective advice. JustOn cannot and must not provide such services. For any detailed questions and current information on implementing SEPA Direct Debit, contact your bank.