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Background documentationCharges

 

Payment Engine supports the calculation of charges and fees (bank-to-bank fees and customer fees) that is required in the context of cross-border payment processing. It supports the following SWIFT charge scenarios:

  • BEN

    The beneficiary pays all charges, that is, the charges of the bank and the correspondent bank. These charges are deducted from the amount transferred. Therefore, the beneficiary does not receive the full amount.

  • SHA

    The sender pays the bank charges for international payment transfers and the beneficiary pays the correspondent bank charges.

  • OUR

    The sender pays all charges incurred for payment transfer, that is, the charges of the bank and the correspondent bank. The beneficiary receives the full amount.

In addition, Payment Engine supports event-based charges. Event-based charges can be generated for one of the following events:

  • Payment order submission

  • Recall submission

  • Recall processing

  • Status notification

Event-based charges can be either collected by a payment or by increasing a counter in the Account Management System.

Prerequisites

  • You have assigned charges to service level agreements. On the SAP Easy Access screen, choose Start of the navigation path Payment Engine Next navigation step Master Data Next navigation step Service Level Agreements Next navigation step Manage Service Level Agreements End of the navigation path (transaction /PE1/SLA).

    The charge group type and charge group for transaction-based and event-based charges have to be assigned within the General Data area.

  • You have assigned charges to clearing agreements. On the SAP Easy Access screen, choose Start of the navigation path Payment Engine Next navigation step Master Data Next navigation step Charges Next navigation step Assign Charge Groups to Clearing Agreement End of the navigation path (transaction /PECROSS/CAGC).

    This is not relevant for event-based charges.

Integration

Payment Engine uses the standard SAP component Financial Conditions (CA-FIM-FCO) where you can store and manage the financial conditions for payment transaction charges.

Note Note

You can also integrate other charge providers.

End of the note.

Features

The Financial Conditions component provides the following functions:

  • Store and manage financial conditions

  • Manage charge amounts and percentage values for predefined attributes

  • Group individual conditions by condition groups based on a special condition group type

    Note Note

    Payment Engine use the Payment Transaction Charges condition group type. The condition group is assigned to the service level agreement and clearing agreement.

    End of the note.

  • Use standard SAP functions such as authorization, release workflow, and change documents

Activities

To manage charge conditions, on the SAP Easy Access screen, choose Start of the navigation path Payment Engine Next navigation step Master Data Next navigation step Charges Next navigation step Manage Charge Conditions End of the navigation path (transaction F9COGR2).

To process event-based charges, on the SAP Easy Access screen, choose  Start of the navigation path Payment Engine Next navigation step Periodic Processing Next navigation step Post Charges End of the navigation path (transaction /PECROSS/CHARGEPOST).

More Information

Editing Charge Conditions

Basic Cross-Border STP