## Documentation Index

Access the complete documentation index at:
https://www.zoho.com/en-de/books/help/llms.txt

Use this file to discover all available documentation pages before proceeding.

# SEPA Credit Transfer

SEPA or Single Euro Payments Area Credit Transfer is a payment system used to make euro bank transfers across Germany and other SEPA-supported countries. Instead of processing each vendor payment individually, you can generate a single SEPA Credit Transfer file in Zoho Books for multiple bills at once and submit it to your bank to process all the payments in one go.

## Add Vendor Bank Details

Before generating a SEPA Credit Transfer file, ensure that you’ve added the vendor’s bank account details in Zoho Books. Here’s how:

*   Go to _Purchases_ on the left sidebar and select **Vendors**.
*   Select the vendor for whom you want to add bank details.
*   In the _Vendor Details_ page, go to the _Overview_ tab.
*   Click the **Plus** icon next to _Bank Account Details_.

![Add Bank Details](/de-de/books/help/images/sepa-credit-transfer/add-bank-details.png)

*   In the _Add Bank Account Details_ pop-up, fill in the following fields:

Field

Description

Account Holder Name

Enter the name of the vendor as it appears in the bank account.

Bank Name

Enter the name of the bank where the account is held.

IBAN

Enter the International Bank Account Number used to identify the account for SEPA payments.

BIC

Enter the Bank Identifier Code used to identify the vendor’s bank during international or SEPA transfers.

*   Click **Save**.

![Save Bank Details](/de-de/books/help/images/sepa-credit-transfer/save-bank-details.png)

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## Generate a SEPA Credit Transfer File

To generate a SEPA Credit Transfer file in Zoho Books:

*   Go to _Purchases_ on the left sidebar and select **Bills**.
*   Select the bills that you want to pay using a SEPA Credit Transfer file.
*   Click **Generate SEPA Credit Transfer File** at the top of the page.

![Generate SEPA Credit Transfer File](/de-de/books/help/images/sepa-credit-transfer/generate-sepa-credit-file.png)

*   In the _Generate SEPA Credit Transfer File_ page, select the **Payment Account** from which the payment should be made.
*   Select the **Payment Date**.
*   Choose the **PAIN Version** compatible with your bank.
*   In the _Transaction Details_ section, review the selected vendors and bills.
*   Select the bank account in the **To Account** field for each vendor.
*   If a vendor’s bank account is not available, click **\+ Add New** and enter the required details.
*   After entering all the required details, review the payment amounts for each bill.
*   Click **Generate and Record Payment** to generate the file and record the payment simultaneously. (or)
*   Click **Generate** if you want to generate only the SEPA Credit Transfer file. The payment for the selected bills will not be recorded automatically and you will have to record it manually.

![SEPA Generation Page](/de-de/books/help/images/sepa-credit-transfer/sepa-generation-page.png)

Now, the generated SEPA Credit Transfer file can be uploaded to your bank portal to process the corresponding bill payments.

* * *

## Export a Batch as a SEPA Credit Transfer File

If you’re using the Bill Pay add-on in Zoho Books, you can [create](https://www.zoho.com/de-de/books/help/billpay-addon/batch-payments.html#create-batch) and export approved batch payments as a SEPA Credit Transfer file and upload it to your bank portal to process multiple vendor payments at once.

Here’s how:

*   Go to **Purchases** on the left sidebar.
*   Click **Batch Payments**.
*   Open the batch that you want to export.
*   Click **Export**.
*   In the _Export_ pop-up that appears:
    *   Select **SEPA Credit Transfer (XML)** as the export file format.
    *   Choose the required **PAIN Version**.
    *   Click **Export**.

![Export Batch Payments](/de-de/books/help/images/sepa-credit-transfer/batch-payments-export.png)

The file will be downloaded to your device. You can then upload it to your bank portal to process the payments for the bills included in the batch.