Re: [ubl-dev] How to handle the case of returned checks

["Roberto Cisternino" <roberto@javest.com>]

Hi,
you are in the borders of UBL.
When you send an UBL Remittance advice it means you have made a payment
initiation on the banking channel (e.g. credit transfer) so you can't do
nothing with UBL as it is an issue solved by the banking channel.

UBL remittance is just an advice that is precious to have an easy and
complete reconciliation between payments and invoices.

The match is quite complex as the Supplier/Invoicer (Creditor) should
match the following documents/messages:

- The "Credit Transfer notification" received by the banking channel
containing one or more End-to-End references, the same specified into the
UBL remittance Advice. (this is performed after the payment initiation if
all the payment process is ok in the clearing system)

- The "UBL Remittance Advice" received from the Buyer/Debtor (with same
End-to-end identifiers, see upper)

- The Invoice/s issued against the Buyer in reference.
  NOTE: The end-to-end identifier/s are generated by the Invoicer and
provided on either the Invoice header or even in the line items.  Later
the same identifiers are asked to be used by the debtor on the
remittance advice and in the payment initiation.
The banking (clearing system) should safely transport such end-to-end
identifiers til the end and thus inside the Credit Transfer notification.

--
So, the UBL Remittance Advice playes an impotant role as it is the
connection between all these messages and facilitates the reconciliation.

If the Invoicer/creditor do not receives a Credit Transfer Notification or
even receives another more specific negative response, the UBL Remittance
will be still useful to provide somo more information on the use case, but
payment issues are up to the banking system.

Hope this helps,

Best regards

Roberto Cisternino

JAVEST CEO
UBL ITLSC co-chair

> Some payment receipts by checks from customers may not be processed by
> the bank for various reasons such as insufficient funds. How can we
> handle these cases?
>
> Would it make sense to send a remittance advice with a negative amount
> to the customer's accounting department?
>
> Sincerely,
> Eric Desgranges
>
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-- 
* JAVEST by Roberto Cisternino
*
* Document Engineering Services Ltd. - Alliance Member
* UBL Italian Localization SubCommittee (ITLSC), co-Chair
* UBL Online Community editorial board member (ubl.xml.org)
* Italian UBL Advisor

  Roberto Cisternino

  mobile: +39 328 2148123 begin_of_the_skype_highlighting              +39
328 2148123      end_of_the_skype_highlighting
  skype:  roberto.cisternino.ubl-itlsc

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