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

[ericdes <eric@vcardprocessor.com>]

Thank you for your detailed answer. The customer will probably send 
another payment for the returned check, along with a new UBL Remittance 
Advice? So we'll end up receiving 2 remittance advices for the same 
invoices, isn't it a problem?

Eric.

On 12/21/2010 9:20 AM, Roberto Cisternino wrote:
> 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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