nemiah
Der SEPA-Auftrag enthält mehr als einen Sammler.
This is not an issue with this library, I just wanted some opinions of the experts here. BTW @nemiah do you mind enabling the discussions tab? That'd be awesome.
Hi everyone,
I am trying to send a XML being generated by https://github.com/ufozone/php-sepa. All works well when sending one PmtInf
When I send multiple payment objects in the XML, in a case of a RCUR and a FRST in the same file, I get this error from VolksBank
Der SEPA-Auftrag enthält mehr als einen Sammler.
Seems clear enough, but does that make sense? I could not find any reference to this limitation at all.
Thanks!!
You can only send xml files with the same sequence in one file per FinTS (so all RCUR in one xml, all FRST in the other xml). BTW there is no need to use FRST anymore at all - why not just use RCUR for all payments?
FYI: When using the online banking plattform (login on bank homepage to upload the xml file) or using EBICS (instead of FinTs) you can send such "multiple payment objects" xml files.
thanks a lot for your message @Heart1010
why not just use RCUR for all payments?
Can I actually do that, I try to research, but found nothing stating that I don't need to use FRST anymore. Do you have any reference?
thanks again
Yes, you can use RCUR consistently for SEPA Core Direct Debits (CORE) in Germany. The FRST/RCUR distinction is no longer mandatory; FRST is still supported, but is no longer required.
The German banking industry "Deutsche Kreditwirtschaft (DK)" and the EPC regulations have lifted the mandatory use of FRST (I mean with the switch to the pain.008.001.02 XML format; I don't know exactly when that was, off the top of my head, 2016?)
Interesting! I found this from 2017 https://www.europeanpaymentscouncil.eu/sites/default/files/kb/file/2017-11/EPC132-17%20v1.0%20Clarification%20Paper%20SDD%20Core%20and%20SDD%20B2B%20rulebooks.pdf.
I had asked Chat GPT many times about it before, but it always told me it didn't know anything about it. I will try. thanks @Heart1010