Define the SEPA format for transfers and direct debits
Description:
Payment processes are among the most sensitive procedures in any company. If a SEPA file is rejected by the bank, everything quickly comes to a standstill: credit notes are delayed, supplier invoices remain unpaid or customers do not receive their direct debit as planned.
The cause often lies in a small but crucial detail: the wrong SEPA format.
To avoid these problems, you can store the exact format that your bank expects for each bank account in TYRIOS - both for SEPA direct debits (PAIN.008) and for SEPA credit transfers (PAIN.001).
💡 This saves time, avoids errors and automates your bookkeeping a good deal further.
In this guide, we will show you step by step how to select and set up the right SEPA format - so that your payment files are guaranteed to arrive.
Solution:
This is how you change the settings.
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Go to the system configuration
- Go to the customer area as a user with extended rights > System
- Click on System configuration
- Select the "System Data Management" area
- Select the "Bank Account Details" area
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Select the desired format for direct debits and credit transfers.
SEPA direct debit formats (PAIN.008)
These formats are used when you collect money from customers, e.g. for invoices, subscriptions or membership fees.
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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 standardised 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.
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.
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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)
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)
Customised 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
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Save the settings
They now automatically affect all SEPA functions in the area of documents (invoices, credit notes,...) and supplier invoices