Discover articles and guides useful for your daily tasks
Hash algorithms in SEPA: Why MD5 is obsolete, choose SHA-256, and secure integrity.
From the membership list to the bank submission: legal basics, mandate management, the path from Excel to the pain.008 file with GenerateSEPA and the right way to handle returns.
Why the classic direct debit authorization is now a SEPA direct debit mandate: a legally sound template to copy, a field-by-field explanation, common mistakes and the path to automation.
What an ACH trace number is, how its 15-digit structure works, where to find it, and how to use it to investigate missing or failed ACH payments efficiently.
An eight-point checklist for evaluating SEPA conversion and payment vendors: security controls, API quality, format coverage, bank compatibility, support, and pricing transparency.
The core accounts payable formulas explained: AP balance roll-forward, AP turnover, and Days Payable Outstanding, with practical guidance on how to use each for cash forecasting and supplier management.
How to calculate and reduce your average collection period, improve Days Sales Outstanding, and turn the gap between billing and cash receipt into a manageable, measurable metric.
What card on file is, how tokenisation protects stored payment data, when to use it versus SEPA Direct Debit for recurring billing, and what compliance requirements apply in 2026.
How to build a bank account verification process that prevents failed SEPA payments: IBAN validation, ownership confirmation, fraud controls, and verification before the payment run.
A practical explanation of the bill of exchange: what it is, how the three-party structure works, when SMEs use it to formalise deferred payment, and how it fits alongside modern bank transfers.
How batch file processing works in finance operations: from manual spreadsheet chaos to automated SEPA payment runs, payroll exports, and scheduled reconciliation workflows.
Why SEPA payment compliance documentation is an operational control, not an audit binder: mandate records, approval logs, XML generation rules, and retention practices that prevent rejections.
