Initializing Banking Operations

JustOn Cash Management can integrate your Salesforce org with your bank in order to exchange payment information.

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Prior to using the banking connection of JustOn Cash Management, your business must enter into a (usually chargeable) contract on the intended data access with your bank. The contract must specify, among others, the users who work with the software and the relevant bank accounts.

Please consider the banking-related specifics and conditions summarized in Banking Preconditions. For a general onboarding checklist, see How-To: Integrating With Banks.

Contact your bank in order to determine the EBICS-relevant information. Use our onboarding form for your convenience.

How does the EBICS initialization take place?

Generally, EBICS initialization means exchanging public keys: You send your public subscriber keys to your bank, and your bank sends their public bank keys to you. Using the keys, you and your bank can then verify that any sent information – signed using the keys – is genuine.

The initialization procedure includes the following artifacts and procedure steps:

(1) EBICS access information and printed public bank keys

After your organization has requested EBICS access, your bank sends a user letter to you. It includes the user data and other relevant access information for you to create the bank access.

The printed public bank keys are often published on the bank's website or are part of the user letter.

Some banks return a confirmation letter that includes the printed public bank keys only after they have verified your public subscriber keys (step 4).

(2) Electronic public subscriber keys

As part of the bank access configuration, JustOn Cash Management creates your public subscriber keys and transfers them electronically to your bank.

(3) Printed public subscriber keys

After adding the bank access, you are prompted to download the initialization letter, which includes your printed public subscriber keys. You send this document to your bank via postal mail or email.

(4) Public subscriber keys validation

Your bank compares the public subscriber keys received electronically with the ones sent with the initialization letter.

(5) Electronic public bank keys

Now you proceed to validate the public bank keys: This makes JustOn Cash Management fetch the public bank keys electronically.

(6) Public bank keys validation

Then you compare the public bank keys received electronically with the printed public bank keys.

Once you confirm the keys' validity, JustOn Cash Management completes the bank access setup. This makes the involved bank accounts ready for the EBICS-based data exchange with your bank.

EBICS keys are valid for one year. If the keys are used (for uploading payment orders or retrieving bank statements) within the last 30 days of their validity, JustOn Cash Management automatically renews these keys, making them available for another year. If the expiry date has passed without renewing the keys, JustOn Cash Management disables the bank access, and users must repeat the EBICS initialization.

Initializing JustOn Cash Management for the proper EBICS-based operation with banks includes the following tasks:

• Adding bank access
• Validating keys
• Configuring business entity
• Configuring SEPA batch booking creation

Note

For the proper operation of JustOn Cash Management when handling bank access configurations, you must use a web browser that allows third-party cookies, like Mozilla Firefox, Google Chrome or Microsoft Edge.

Adding Bank Access

Before actually retrieving banking transactions, you must add the relevant bank access configuration to JustOn Cash Management.

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The bank accounts from which a user wants to fetch banking transactions must be subject to a corresponding contract with your bank. In this context, your bank provides the partner ID and the user ID, which are required for configuring the bank access.

1. Click to access the App Launcher, and select Cash Management.

2. On the Manage tab, click Add New Bank Access.

   For the proper operation of JustOn Cash Management when handling bank access configurations, you must use a web browser that allows third-party cookies, like Mozilla Firefox, Google Chrome or Microsoft Edge.

3. Specify the bank access information.

   The required information includes:

   • Bank

     Banks are enabled by JustOn. If your bank is not listed, file a ticket in the JustOn Support Portal requesting to add the bank.

   • Partner ID, to be provided by your bank

   • User ID, to be provided by your bank

   
   Adding bank access information

4. Click Continue.

   This adds the new bank access configuration as Pending and initiates the generation of your public subscriber keys. Once completed, you are prompted to download the initialization letter.

   
   Downloading initialization letter with your public subscriber keys

5. Click Download.

   This opens the dialog for saving the initialization letter to your computer.

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   Clicking Cancel closes this dialog without prompting you to download the initialization letter. You can, however, still download the initialization letter through clicking Initialization Letter on the pending bank access.

6. Print the letter, sign it and send it to your bank.

   The bank will verify your public subscriber keys. In the EBICS context, this procedure is referred to as subscriber initialization.

Validating Keys

After your bank has verified the generated public subscriber keys for your bank access and returned the confirmation letter, you can proceed to validate the submitted public bank keys.

1. Click to access the App Launcher, and select Cash Management.

2. Open the Manage tab to access your bank access configurations.

   For the proper operation of JustOn Cash Management when handling bank access configurations, you must use a web browser that allows third-party cookies, like Mozilla Firefox, Google Chrome or Microsoft Edge.

3. On the pending bank access, click Validate.

   This fetches the public bank keys from your bank.

4. Compare the displayed keys with those in the confirmation letter.

   Note

   Make sure that the displayed public bank keys are identical to those in the confirmation letter received from your bank. If the keys differ, contact your bank.

   Be aware that any inconsistencies may indicate fraud or abuse.

5. If the information matches, select the confirmation checkbox.

   
   Displaying public bank keys for comparison

6. Click Validate.

   This completes the bank access validation, making the involved bank accounts ready for bank data retrieval, direct debit order creation or credit transfer order creation.

Note

EBICS keys are valid for one year.

If the keys are used (for uploading payment orders or retrieving bank statements) within the last 30 days of their validity, JustOn Cash Management automatically renews these keys, making them available for another year. If the expiry date has passed without renewing the keys, JustOn Cash Management disables the bank access, and users must repeat the EBICS initialization.

Configuring Business Entity

In order to take part in the SEPA payment order exchange, your business needs a SEPA Creditor Identifier. This ID allows future debtors as well as debtor banks to identify a creditor independently from any relationship with a bank. For details about the ID, how to obtain it, etc., see Creditor Identifier Overview.

Once you have obtained the SEPA Creditor Identifier, you add it to the corresponding business entity.

1. Click to access the App Launcher, and select Cash Management.

2. Open the Business Entity tab.

   For easy access, you may want to add the Business Entity tab to the navigation bar. For details, see Personalize the Navigation Bar in the Salesforce Help.

3. Click the business entity name to open its detail view and click Edit, or click New to create a new business entity.

4. Specify the information as required.

   The mandatory information include:

   Field	Description
   Company Name	The legal name of the business entity
   Tax Id	The tax (VAT) ID of the business entity
   SEPA Creditor Id	The SEPA Creditor Identifier of the business entity
   Address	The legal address of the business entity
   Preferred Bank Account	The bank account for the money transfer

5. Click Save.

   This completes the business entity configuration, preparing it for the direct debit order creation.

Configuring SEPA Batch Booking Creation

SEPA Direct Debit and SEPA Credit Transfer allow to combine multiple transactions using a Batch Booking parameter. This setting controls how the combined transactions are displayed on bank statements – usually, batched transactions appear as one bank statement item. Organizations use this option to avoid information disclosure.

Be aware that banks still process batched transactions individually. The subsequent handling does not change: each transaction results in a single payment, whether it is part of a batch or not.

Note

Make sure that the option for enabling batch bookings is properly set up. For details, see Enabling SEPA Batch Booking Control.

To enable SEPA batch bookings for a bank account:

1. Click to access the App Launcher, and select Cash Management.

2. Open the Bank Accounts tab.

   For easy access, you may want to add the Bank Accounts tab to the navigation bar. For details, see Personalize the Navigation Bar in the Salesforce Help.

3. Click the name of the relevant bank account to open its detail view.

4. Select the batch booking mode.

   For direct debits, click next to the SEPA Direct Debit Batch Booking field, then select on.

   For credit transfers, click next to the SEPA Credit Transfer Batch Booking field, then select on.

   Value	Description
   off	No batch booking (default)
   on	Forced batch booking

5. Select the initial payment status.

   Click next tot the Initial Payment Status field and select either Issued or Collected.

   Value	Description
   Issued	Default value, indicates that the request has been sent to the bank, sets open amount
   Collected	Indicates that the money has been moved, sets both open amount and settled amount

   Use Collected as the initial payment status only if your bank does not produce individual transaction records for batch bookings (which would not allow payment matching), because this will immediately balance out the related entries.

6. Click Save.

   This saves the batch booking mode for the selected bank account. When users generate SEPA orders, JustOn Cash Management will combine the involved transactions for this bank account into one batch booking.