In the standard SAP behavior of CAMT.053 transformations, business partners for direct debits are generally taken from the vendor branch of the bank report. This is correct for traditional direct debits – however, for returned direct debits, this procedure leads to incorrect assignments.
Returned direct debits are not credits, but rather debits to the company account – typically triggered by an objection from the payer or a missing SEPA mandate. Crucially, the correct partner in this case is not the creditor, but the original debtor – i.e., the party from whom the direct debit was collected. However, the SAP standard system does not automatically recognize this connection.
Our solution: Correct partner assignment and complete return debit processing
Our advanced solution for CAMT.053 processing addresses this issue:
- Correct partner identification even in the case of returned direct debits: Instead of the creditor, the original debtor is automatically recognized and assigned.
- Evaluation of return reasons: We analyze the SEPA return codes so that the reason for the direct debit return is documented and traceable in the FI document.
- Adoption of references and intended uses: Relevant information such as mandate references or customer references are transferred directly into the booking document.
Consideration of additional amounts and fees
In practice, returned direct debits often result in additional charges, such as bank fees. Our solution enables:
- Automatic posting of additional amounts via defined clarification accounts
- Customizable rules, which allows the booking logic to be flexibly tailored to your requirements
Technically sophisticated and strategically integrated
The solution combines a technical transformation of the CAMT.053 data with well thought-out Customizing in the FI areaThe result is fully automated processing of even complex direct debit transactions – audit-proof, traceable, and efficient.
With us, you can significantly reduce manual clarification efforts by avoiding incorrect partner assignments and automatically incorporating relevant information such as return reasons or reference numbers into the booking process. Fully automated and transparent processing of returned direct debits increases the efficiency of your financial processes while ensuring their traceability. This way, you benefit from noticeable process optimization and improved data quality across all payment transactions.
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