Choose Define Number Ranges for Payment Requests and enter a number range for assigning number keys to payment requests.

In the chart of accounts, you must establish the Clearing account for payment requests and then assign it to the company code under Define Clearing Account for Payment Requests .

Activate the Payment Details indicator for the relevant product types in the IMG activity Company Code-Dependent Settings for Product Type . When you create a loan with these product types, you can use the payment details defined for the partner in the standing instructions or enter them individually.

You must set the indicators for the payment requests under Define Flow Types .

Under Define Account Determination you can use the Payment Activity indicator to define a replacement rule for the house bank (Value of Payment activity indicator = 2 ). The system uses this value when postings for the product type are not made on the basis of customer accounts, a house bank account has been specified for the flow to be posted, and the posting category is 3 (Bank). If the value of the Payment activity indicator is 1 or X , you must assign the house bank account to the account symbol.

In addition to the Payment activity setting, also allow for the following:

If you post flows for interest, repayments and charges, such as bank clearing to interest revenue or interest expense to bank clearing , without using a corresponding receivables account (or payables account for loans taken), you must make special settings in Customizing for the withholding flows. Withholding flows are required to withhold discounts, interest and charges from a disbursement or borrower’s note purchase order. They are used to reduce the payment amount (generated on the basis of the nominal disbursement amount) by the withholding amounts. Example: If you generate a payment request for a disbursement and want to post the payment without using payables and receivables accounts, you must define account determination for the withholding flow clearing to bank clearing and for the reduction bank clearing to clearing . The system generates two payment requests; one for the gross payment amount and one for the payment reduction (or increase). The system ensures that both payment requests are netted during the payment run and that a payment medium is only generated for the net payment amount.

Example

Disbursement: 100,000 EUR at a rate of 98% = 2% discount

Posting records:

The system checks the payment methods before the flows are netted in the payment program. Thus, if you make a disbursement with a reduction, you must also specify a payment method that has the direction of the reduction when you enter the disbursement. The system copies the disbursement payment methods to the reduction, which means there is always an appropriate payment method for the direction of the reduction. This allows the system to net the payment requests.

Therefore, you cannot save a disbursement or purchase order that contains a reduction unless you have specified the appropriate payment method.

In Customizing for the flow type, define a direction for the reduction flow type. This enables the system to generate the payment request.

If you define payment details in the standing instructions for the business partner, the system proposes these values for the payment request when you create a loan.