3761771 - Bank account number extended by reference details in payment file generation

A payment file generated through Manage Automatic Payments contains an unexpected extension or suffix appended to the beneficiary bank account number in the payment XML (for example, under the <CdtrAcct> node). As a result, the receiving bank rejects the payment file with an error indicating an invalid or incorrect account number.

SAP S/4HANA Cloud Public Edition

1. Maintain a supplier bank account with an account number and a value in the Reference Details field.
2. Run Manage Automatic Payments and generate the ACH payment medium (DMEE) in the production system.
3. Open the generated payment XML and review node(E.g, <CdtrAcct> node).
4. Observe that the value includes the account number concatenated with the reference/suffix.
5. Submit the file to the bank and receive a rejection with reason "incorrect account number".

• In the supplier bank master data, both of the following fields may be maintained: 
  • Bank Account Number
  • Reference Details
• Depending on the country-specific settings maintained in SSCUI ID 102592 – Set Country Specific Checks, SAP may treat the value maintained in the Reference Details field as an extension of the bank account number during payment processing.

1. Confirm with the bank whether the creditor account must contain only the pure account number without any suffix/reference.
2. Review the supplier bank data and remove or maintain the "Reference Details" appropriately if the bank expects the pure account number.
3. Review SSCUI 102592 (Set Country Specific Checks) for specific country and verify the Bank Account Number Length and Checking Rule; ensure they align with bank requirements and do not cause undesired concatenation.
4. If references are required but must not be appended to the account for vendors based in China, do not use FPAYH-BKREF; use FPAYH-ZBNKN+19(35) to output only the reference information. For vendors outside of China, FPAYH-BKREF can be used as needed.
5. Regenerate the payment proposal and payment medium, then validate that it contains only the expected account value.
6. Resubmit the corrected file to the bank and confirm acceptance.

ach, payment rejection, incorrect account number, payment xml, dmee, cdtracct, creditor account, concatenation, reference details, fpayh-bkref, fpayh-zbnkn, sscui 102592, set country specific checks, checking rule, country-specific validation , KBA , FI-AP-AP-B-2CL , Payment Progam / Payment transfer (DE, JP, US) (Public Cld) , Problem