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Settings

Define the SEPA Format for Transfers and Direct Debits

Questions:

  • How do I configure SEPA settings in TYRIOS?
  • Where do I enter my company Creditor ID?
  • How do I change the PAIN XML format for SEPA transfers?
  • Where do I add my company bank details for SEPA?

Tags: pain-format, direct-debit-setup, creditor-id, system-data-management, how-to-set-up-sepa, unable-to-generate-sepa, sepa-configuration

Description:

Payment processes are among the most sensitive procedures in any company. Even a small SEPA configuration error can cause payment files to be rejected by the bank, leading to delayed credit notes, unpaid supplier invoices, or failed direct debits.

To avoid these issues, TYRIOS allows you to configure the exact SEPA formats required by your bank for both direct debits (PAIN.008) and credit transfers (PAIN.001). This guide explains how to configure your company banking details, enter your Creditor ID, and select the correct PAIN XML formats to ensure your SEPA files are generated correctly and accepted by your bank.

Solution:

This is how you change the settings.

  1. Go to the customer area as a user with extended rights 
    System -> System Configuration -> System Data Management
  2. Select the "Bank Account Details" section

    After opening the System Data Management module in your TYRIOS System, locate the bank account details section.

  3. Configure the Direct Debit Format

    Locate the debit format field. Enter the specific PAIN format required by your bank for collecting payments. The system uses pain.008.003.02 by default.

    SEPA direct debit formats (PAIN.008)

    These formats are used when you collect money from customers, e.g., for invoices, subscriptions, or membership fees.

    • PAIN 008.002.02 (800202)
      Common direct debit format for many German banks. Frequently used by corporate customers.

    • PAIN 008.003.02 (800302)
      Extended version with additional fields, e.g., for country-specific requirements.

    • PAIN 008.001.02 (800102)
      One of the first standardized formats is still supported by many banks.

    • PAIN 008.001.02 GBIC (8001021)
      Variant for banks that communicate via the GBIC system (German Banking Industry Committee). Special technical requirements.

    • PAIN 008.001.02 CH 03 (8001023)
      Switzerland-specific format version for SEPA direct debits with country-specific additions.

    • PAIN 008.001.08 (800108)
      Current version with modern XML structures and extended verification mechanisms. Is increasingly demanded by banks.

  4. Configure the Credit Transfer Format

    Locate the credit format field. Enter the PAIN format required for pushing money out (such as refunds or payouts). The system uses pain.001.003.03 by default.

    SEPA & transfer formats (PAIN.001)

    These formats are used when you make payments, e.g., to suppliers, for credit notes, or for recurring costs such as rent.

    • PAIN 001.002.03 (100203)
      Solid and frequently used version, ideal for standard bank transfers in the SEPA area

    • PAIN 001.003.03 (100303)
      Enhanced version with better validation options and additional information.

    • PAIN 001.001.03 (100103)
      The classic basic format is still processed by many older banking systems.

    • PAIN 001.001.03 GBIC (1001031)
      Special version for banks that require GBIC standards.

    • PAIN 001.001.03 CH 02 (1001032)
      A customized version for bank transfers with destinations or banks in Switzerland.

    • PAIN 001.001.09 (100109)
      Latest version, recommended for modern banking systems and for future security

  5. Enter Your Company Banking Details

    Fill out the creditor details form. You must input your company name as the Account Owner, followed by your corporate IBAN and BIC.

  6. Input Your Creditor ID

    Enter the unique identifier provided by your national bank (for example, the Bundesbank in Germany). The system caches this ID and applies it whenever you generate a direct debit file.

  7. Save the settings

    The configured settings will now be automatically applied to all SEPA functions within the areas of documents (such as invoices and credit notes) as well as supplier invoices.

Tips and Tricks:

Pro-Tips:

  • Always check with your specific bank to confirm exactly which PAIN format versions they currently support before changing the defaults.

  • Ensure your Creditor ID is typed exactly as provided by your national bank without extra spaces.

Warnings:

  • If you do not enter a valid Creditor ID, your direct debit XML files will be rejected by the bank during processing.

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