Payment Item Checks

Use

This function enables you to perform business checks before you post payment items.

Features

Formal Checks

The system allows you to post payment items only if the payment items comply with the formal checks.

Formal checks comprise the following:
- Check for the existence of the account
- Check that the maximum deposit is not exceeded for term agreements

Checks That Can be Overridden

You can override these checks if you have adequate authorizations. The following table describes the checks that can be overridden:

Check Name	Check Description
Account check	Check for existence of locks on certain transaction types for the account.
Value date check	Check whether specification of value date is permitted for the account and if the value date is within the tolerance range.
Limits check	Check whether debiting the account would result in the internal limit being exceeded. If you defined a minimum deposit for the account and activated the limit check, the system also checks that the minimum deposit is maintained along with the limit check.
Business partner check	Check whether the account holder is centrally blocked.
Check (PF) management related check	Check whether there is a lock on the check (PF) or if the check has already been cashed.
Direct debit order check	Check whether the payment recipient name as mentioned in the payment item corresponds to the payment recipient name defined in the direct debit order.
Collection authorization agreement check	Check whether there is an appropriate agreement that allows the payment recipient to collect receivables from the ordering party by using debit memos
Account call-up check	Check whether the payment recipient name as mentioned in the payment item corresponds to the name of the account holder or authorized drawer as defined on the account.
Extended mandate check	Check whether the creditor ID, mandate reference, debtor IBAN, and debtor BIC (SWIFT) match the data stored in the recipient party mandate. Check whether the mandate is active and valid on the transaction posting date. Checks that you have defined yourself.
Mandate check	Check whether there is a mandate lock for SEPA direct debit orders for an account.

Note Note

Direct Debit Order Check and Account Call-Up Check

Both these checks perform a name checkbased on the settings in Customizing for Bank Customer Accounts (BCA) under Start of the navigation path Basic Settings Next navigation step Basic Settings - Postings Define Cross-Bank Area Settings . End of the navigation path The standard system uses the default implementation of Business Transaction Event (BTE) 00011600 for the name check.

End of the note.

Activities

Set Up Checks That Can be Overridden

You can make settings for the checks that are to be executed in Customizing for the relevant transaction types. Define transaction type settings in Customizing for Bank Customer Accounts (BCA), by choosing Account Management Basic Functions in Account Management Maintain Transaction Types.You can also use this Customizing activity to define whether a mandate lock check is necessary.
Execution of Checks

If the checks are successful, the system posts the payment item. If the checks fail, the system response is different for payment items depending on whether they were externally or internally initiated.
- Payment Items That Were Externally Initiated Externally initiated payment items are those created by means of a BAPI and are thus incoming to the system. The system runs extended mandate checks for payment items that were externally initiated.
  
  If any formal checks fail, you cannot save the payment item.
  
  However, if the account existence check fails because the you closed the account, the system posts the payment item to the CpD (suspense) account. You define the CpD account in Customizing for BCA by choosing Account Management Maintain Accounts for Payment Transactions .
  
  If the checks that can be overridden fail, the system creates the payment item with the status In Postprocessing .
- Payment Items That Were Internally Initiated These are payment items that were created in the payment item dialog (transaction F9I4), or by means of other processes in the system, for example, payment order creation.
  
  If the account existence check fails, you cannot save the payment item .
  
  If the checks that can be overridden fail, you can perform either of the following activities:
  - Force the posting by excluding the check
    
    The system records the posting despite the errors. If you force the posting because of errors found in an extended mandate check, the system does not update the mandate usage.
    
    Value Date Check
    
    You can manually override the value date check if the value date is beyond the tolerance range defined in the value date condition for the account. However, you cannot manually override this check if the value date is outside the tolerance range defined in Customizing. You define the tolerance range for value dates in Customizing for Bank Customer Accounts (BCA) by choosing Account Management Default Values Define Limits for Value Date .
    
    Limit Check
    
    For payment items that failed the limit check, you can use the report Post Payment Items That Failed Limit Check (RFBKPRE1)to post payment items for accounts that now have an adequate balance.
    
    Direct Debit Order Check
    
    You can force the posting of a payment item that failed the check for direct debit orders. Besides this, you can post the payment item by assigning the payment recipient name to the debit order. For more information, see Payment Items in Postprocessing .
  - Park the payment item instead of posting it and then process the payment item later.
    
    The system assigns the payment item to the BCA account with the status In Postprocessing.