The Bank details card on the customer details page lets you manage bank accounts and payment settings for a customer.
You can add multiple accounts, set a default account, manage SEPA mandates and configure the payment method and payment term.
By bank account:
IBAN — full and automatic with spaces (e.g. NL91 ABNA 0417 1643 00)
Standard Account — marking of the primary account
SEPA mandate (SDD) — mandate number, signature date (tooltip: “active from”), type (CORE)
Origin — whether the account was automatically recognized from transactions
In addition:
Payment method — SCT (manual transfer) or SDD (direct debit)
Payment term — number of days before reminders/collection start
Mandate history — overview of previous/cancelled mandates
Payment settings
Select payment method (SCT/SDD)
Click Change in the Bank details card.
Select SCT (manual transfer) or SDD (direct debit).
SDD requires:
There is at least one bank account available, and
The standard account contains an active mandate.
Without a mandate, the system will ask you to add a mandate first.
Set payment term
Click Change in Bank details.
Adjust the payment term.
Click Save.
At SDD, the collection process will automatically start after this period has expired (according to your process settings).
Manage accounts
Add new account
Edit → Add.
Please enter IBAN (required).
(Optional) Add authorization with signing date.
Save.
The system validates format and prevents duplicates.
Important: The first account added automatically becomes the default account.
Edit existing account
Change → select account → adjust IBAN/mandate → Save.
Set up default account
Select Default bank account.
Select the account → Save.
There is a maximum of one standard account; a new selection replaces the previous one.
With SDD the default account must have an active mandate.
Automatically added accounts
The system can automatically link accounts based on incoming payments (name/reference).
Confirm or reject via Change → select account → Confirm/Reject → Save.
Delete account
Click the trash can icon next to the invoice.
SDD Restrictions: The default account cannot be deleted while SDD is active. Please set a different default account or change the payment method first.
Mandates (SEPA Direct Debit)
Add mandate
Edit → select account → Add mandate.
Select start date (default: today) → Save.
An account must exist before you can add a mandate.
Terminate mandate
Click the trash can icon next to the mandate → Save to confirm.
Restriction: mandates on the default account (for SDD) cannot be cancelled; first set a different default account or change the payment method.
Mandate history
Click Show History to view all previously linked mandates.
Validation & formatting
IBAN validation
Country code check (70+ countries), length per country, Modulo-97 checksum.
Common errors: IBAN too short, invalid country code, checksum error.
IBAN format
Spaces every 4 characters, letters in uppercase.
Example:
NL91ABNA0417164300→NL91 ABNA 0417 1643 00.
Authorization validation
Type: CORE only.
Date of signature: > 1900.
Authorization number: automatically generated upon signing.
Situation | Behavior/Solution |
No bank details | Empty status; click Add to create an account. |
Invalid IBAN | Validation error; Save blocked until correct. |
Double IBAN | “IBAN already exists for this customer”; Save blocked. |
No mandate at SDD | Warning: “No bank accounts with authorization”; add mandate or choose SCT. |
Delete Standard Account (SDD) | Not allowed; please select a different default account or change your payment method first. |
Cancel authorization (SDD) | Not on the default account; change the default first. |
Automatically detected account | Must be manually confirmed/rejected. |
IBAN is empty → Fill in the IBAN field; remove any unnecessary spaces.
IBAN invalid country → Check the country code (first 2 letters) and whether it is supported.
IBAN module check failed → Checksum invalid; check the number.
No bank accounts with mandate (for SDD) → Add a mandate or select SCT.
Cannot delete default account / cancel mandate (SDD) → First set a different default account or change the payment method.
SCT – SEPA Credit Transfer (manual transfer)
The customer initiates each payment through his/her bank.
Always state the payment reference of the invoice.
After payment, the transaction is imported and automatically matched to the invoice.
Reminders can be sent automatically if payment is not made on time.
SDD – SEPA Direct Debit
You initiate the direct debit at predetermined times.
Requires a signed mandate on the standard account.
The system generates direct debit files (SDD) for submission to the bank.
In case of a chargeback (refusal/insufficient balance) this will be reported and you can follow up with reminders.
Do I need a mandate for all payment methods?
No, only for SDD. No mandate is required for SCT.
How do I know which account is standard?
Marked Standard and appears at the top of lists.
Can I edit an automatically added account?
Yes, like a manually added invoice. Confirm or reject it before using it.
Can I delete the default account?
Not if SDD is active. First, set a different default account or switch to SCT.
Where can I find previous mandates?
Via Show history in the Bank details card.
IBAN: International Bank Account Number.
BIC: bank identification code.
SDD (SEPA Direct Debit): direct debit with mandate.
SCT (SEPA Credit Transfer): manual transfer by the customer.
Authorization (CORE): Permission for SDD; contains number, type, data and status.
Reversal: reversal/refusal of a direct debit.
Standard Account: Primary account for payments.
Automatically detected: Account recognized from incoming payments.