In Spain, banks provide information about changed bank data of payers through Cuaderno72 files (also known as C72 or CDB).
FinDock parses the C72 information into Inbound Report records for matching and updating payment data.
Processing C72 files
Upload C72 files to Chatter as normal
The status of an uploaded file can be tracked by taking a look at the comments on the post, or by checking the PaymentHub File record created for this file.
When the file is parsed, the extracted information is used to create Inbound Report records for each statement in the uploaded file as mapped in the following table.
|Inbound Report field||C72 input mapping|
|Account Number||New IBAN as reported in C72|
|Account Number Additional||New BIC as reported in C72|
|Mandate Reference||Mandate ID (UMR) as reported in the C72 record|
|RAW Message||Entire C72 03 record|
|Reason Code||Reason code as reported in C72|
|Reasoncode Explanation||If “Reason Code” = 1 “Recoding by bank” If “Reason Code” = 2 “Ordered by Debtor”|
|Status||Status of the Inbound Report (see below)|
|PaymentHubFile||Link to the PaymentHub File|
The resulting inbound report can have one of the follow status values.
- New: Inbound report has not been processed
- Processed: Inbound report was successfully processed
- Manual: An issue occurred needing user attention (for instance duplicate records are found); this status is also used for reports generated from PSP notifications that can be further modified through manual action, but do not require it
- Error: A technical error occurred preventing the processing
Handling of Report SubType MandateNewBankaccount
The reported Mandate is update with the new BIC and/or IBAN. If the Account or Contact related to the Mandate does not have a Payment Profile with the new BIC and/or IBAN a new Payment Profile is created. In order to the History of the Mandate a MandateHistory record is created and the field OriginalBankAccount is filled with the previous bank account. All active future Recurring Payments and all Installments with status New or Pending Recollection are updated with new Mandate data. So any future collection will be using the update BIC and/or IBAN. All other Recurring Payments and Installments still hold the old mandate data.
SEPA Amendment Indicator in pain.008
If the Mandate History contains a value for OriginalBankAccount and has not been processed before, the next time a SEPA Direct Debit is generated the Amendment Indicator in the SEPA Direct Debit file is set to true reporting “SMNDA” in the Amendment Information Details.