3542053 - Automatic On-Account Clearing of Outgoing Direct Debit in Bank Statement

After uploading and posting an electronic bank statement you observe that for outgoing direct debit payments automatic on-account payments are posted.
This result is not according to expectation as you would like to allocate and clear such transactions differently.

SAP Business ByDesign 

1. Go to the Liquidity Management work center.
2. Go to the Bank Statements view.
3. Search for the bank statement and transaction. 
4. Follow the link Postprocessing 'Required'.

Instead of an open Payment Allocation you enter a Clearing Overview (Clearing Status: Paid on Account).

An outgoing direct debit payment represents a non-self-initiated payment. Hence not the confirmation of an existing payment is assumed but a clearing, presumably against open payables or on-account. 

In case no open payables are identified or a rule of type Account Assignment is active for respective Rules for Analyzing Memo Lines - the systems falls back on the assumption that a clearing shall happen against account (here supplier).

An unambiguous business partner identification usually would happen by IBAN match in the supplier master data and payment explanation in respective bank statement item. 

For example, Bank Statement Format: MT940 DE 

For Supplier XYZ an IBAN is maintained in the master data under - 
Financial Data / Bank Data:
IBAN:     DE893704004405320XXXXX

In the payment explanation block of relevant bank statement item :86:, following tag ?31 the IBAN of the payee is maintained as: 
?31DE893704004405320XXXXX

(Similar content is provided in xml bank statements as ISO20022.)

If such conditions are met an automatic on-account clearing will happen for Supplier XYZ.

This an accepted and expected system definition in the scope of automatic bank statement processing.

The following alternatives can be evaluated if you do not desire automatic on-account clearings against supplier.

• In case an Allocation to G/L Account is intended we recommend to set up a Rule for Analyzing Memo Lines of type:  7 - Account Assignment.
  If a unique identifier can be provided in payment explanation blog :86: an automatic g/l account allocation can be achieved.
• In case an open allocation without any automatic allocation is preferred for a particular business partner it could be considered to remove the IBAN in supplier master data under Bank Data.
  A business partner identification by IBAN match then will not happen.

Paid on Account, Payment Allocation, Clearing, Direct Debit  , KBA , SRD-FIN-CLM , Cash and Liquity Managment , Problem