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Using JustOn Bank Payments

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

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Make sure that JustOn Bank Payments is installed, configured and initialized appropriately in your org.

Retrieving Bank Data

You can retrieve banking transactions from the bank accounts subject to a specific bank access in the status Ready for a specific period.

  1. Click Retrieve statements on the relevant bank access.
  2. Define the period for which you want to retrieve the transactions.

    If you leave the start date empty, the retrieval starts with the first available transaction.

    If you leave the end date empty, the current date is used by default.

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    Configuring bank statement retrieval

  3. Click Continue.

    This retrieves the banking transactions for the bank accounts subject to the current bank access and the specified period from the bank.

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    Bank statement retrieval confirmation

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    Clicking Continue again takes you to the downloaded bank statements on the Bank Statements tab.

Storing SEPA Mandates

Exporting SEPA Direct Debit orders requires SEPA Direct Debit Mandates, a customer's authorization for a business to collect money. Hence, you need a way to store and manage the SEPA mandate information for your accounts.

JustOn Bank Payments uses payment instruments to save your customers' (debtors') SEPA mandates as well as bank account information.

Once you have obtained a SEPA mandate from a customer (electronically or via postal mail), you add it to the payment instrument assigned to corresponding account.

  1. Open the payment instrument you want to modify, or create a new one if necessary.
  2. Click Edit and specify the information as required.

    The mandatory information include:

    Field Description
    Type The payment instrument type, must be SEPA Mandate
    Business Entity Lookup to the related business entity
    A SEPA mandate cannot be used for different business entities or SEPA Creditor Identifiers.
    Account Holder The name of the bank account holder (debtor)
    IBAN The bank account number
    BIC The SWIFT BIC of the bank account
    Bank Name The name of the debtor's bank
    Direct Debit Mandate Type The type of the direct debit mandate, either Core or B2B
    Direct Debit Mandate Granted The date on which you received the debtor's SEPA mandate
    Direct Debit Mandate Reference A unique string that identifies the SEPA mandate
    Valid Until Optionally, the date for the mandate's deactivation
    Deactivation Reason The reason why the payment instrument (the SEPA mandate) has been deactivated
  3. Click Save.

    This completes the payment instrument configuration, preparing it for the direct debit order creation.

Creating Direct Debit Orders

You prepare payment orders based on entries, which represent a payable amount of money (see Important App Concepts), and upload them to your bank. The way you create or retrieve entries depends on the integration of JustOn Bank Payments with your Salesforce org, for example, with JustOn Billing & Invoice Management.

Eligible entries

To collect an entry successfully via SEPA Direct Debit, make sure that the following information is set accordingly:

Field Description
Account The associated account for the debtor
Type The type of the entry, must be Debit
Business Entity Lookup to the related business entity
Must match the business entity of the payment instrument.
Open Amount The overall open amount
For a debit, it must be a positive amount.
Statement Date The effective date of the (legally binding) original statement
Statement Payment Due Date The payment due date of the statement, that is, the agreed collection date
Requested Payment Method The requested payment method for the entry, must be SEPA
Requested Payment Instrument Optionally, allows to select a particular active payment instrument. Falls back to the first active payment instrument of the account if empty.
Requested Bank Account Your (the creditor's) bank account – the target of the collection. Falls back to the Preferred Bank Account of the business entity if empty.
Payment Reference Describes the purpose of the payment, a human-readable description for the money transfer. Will be displayed in the debtor's bank account statements.

The key date for SEPA transactions is the Statement Payment Due Date of the entry. Entries are eligible if the date is not empty and not beyond the next 14 days from today. If the date is in the past, JustOn Bank Payments corrects it to TODAY + 1 for it to be accepted by the bank.

Workflow overview

This section describes the typical workflow (assuming that all entries are eligible and the business setup is complete) and the lifecycle of a SEPA Direct Debit transaction in JustOn Bank Payments.

(1) User opens EBICS Direct Debit dialog from entry list view
This displays a confirmation, prompting for either continuing or aborting the process.
(2) User starts direct debit job
JustOn Bank Payments validates the input records (business entities, payment instruments, entries). The dialog shows the job progress.
As a result of the job execution, JustOn Bank Payments
  • Creates Payment records with the status Issued
  • Creates Entry Item records with an Expected Amount, which prevents entries from being processed repeatedly
  • Builds SEPA XML files and sends them to the bank via EBICS
(3) Authorized user releases orders
The signature (under the EDS class E or A/B) must be given in the banking system.
As a result, the bank processes all direct debit requests and collects the money.
(4) User retrieves bank statements
Once a matching bank statement item is found, it can be associated with the corresponding payment. Consequently, JustOn Bank Payments
  • Sets the payment status to Collected
  • Adjusts the amount on the entry item
  • Sets the entry status to Balanced
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.

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Make sure to send a prenotification (typically, an invoice) to your customer – the debtor – with an appropriate lead time in order to notify the debtor of the upcoming payment collection.

To start the direct debit order generation:

  1. Open the Entries tab.
  2. Click EBICS Direct Debit.

    This displays a summary of the entries to be processed.

  3. Click Next.

    This starts the SEPA order creation and upload. The page shows the job progress and log messages.

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    Clicking Finish returns you to the Entries tab.