{"id":5483,"date":"2026-03-31T14:51:13","date_gmt":"2026-03-31T12:51:13","guid":{"rendered":"https:\/\/gopus.de\/?p=5483"},"modified":"2026-03-31T14:55:09","modified_gmt":"2026-03-31T12:55:09","slug":"zahllauf-2026-warum-unternehmen-ihre-zahlungsprozesse-jetzt-anpassen-muessen","status":"publish","type":"post","link":"https:\/\/gopus.de\/en\/zahllauf-2026-warum-unternehmen-ihre-zahlungsprozesse-jetzt-anpassen-muessen\/","title":{"rendered":"Payment run 2026: Why companies need to adapt their payment processes now"},"content":{"rendered":"<div class=\"wp-block-stackable-text stk-block-text stk-block stk-a4a3d4e\" data-block-id=\"a4a3d4e\"><p class=\"stk-block-text__text has-text-align-justify\">The payment run is the heart of the financial processes in every company \u2013 and yet it is facing a crucial change. From <strong>November 2026<\/strong> Numerous payment formats in the EBICS environment are being phased out. Those who have not switched to the current formats by then risk having payment orders rejected and daily payment transactions brought to a standstill.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-618eccd\" data-block-id=\"618eccd\"><p class=\"stk-block-text__text has-text-align-justify\">The background is the <strong>Format Lifecycle<\/strong>, This document, which the German banking industry updates regularly, defines which SEPA and payment formats will be supported in the future and when older versions will be permanently discontinued.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-2720a96\" id=\"strong-was-sich-im-november-2026-konkret-andert-strong\" data-block-id=\"2720a96\"><style>.stk-2720a96 .stk-block-text__text{font-size:20px !important;}@media screen and (max-width:999px){.stk-2720a96 .stk-block-text__text{font-size:20px !important;}}<\/style><p class=\"stk-block-text__text\"><strong>What will change specifically in November 2026?<\/strong><\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-4b316e7\" data-block-id=\"4b316e7\"><p class=\"stk-block-text__text has-text-align-justify\">As part of the lifecycle planning, it was determined that several older SEPA format versions will no longer be supported in November 2026. Businesses will no longer be able to use these formats for submitting payment orders after that date.<\/p><\/div>\n\n\n\n<p>Specifically, the following formats, among others, are being discontinued:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>pain.001.001.03<\/strong> \u2013 SEPA transfer (GBIC_1, GBIC_2, GBIC_3)<\/li>\n\n\n\n<li><strong>pain.008.001.02<\/strong> \u2013 SEPA Direct Debit (GBIC_1, GBIC_2, GBIC_3)<\/li>\n\n\n\n<li><strong>pain.002.001.03<\/strong> \u2013 Payment Status Report<\/li>\n\n\n\n<li><strong>pain.001.001.08<\/strong> \u2013 Instant Payment variant of older specification<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-32fca19\" data-block-id=\"32fca19\"><p class=\"stk-block-text__text has-text-align-justify\">These versions were supported alongside newer formats for several years. This parallel support will end with the end of their lifecycle in November 2026.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-f082b9c\" data-block-id=\"f082b9c\"><p class=\"stk-block-text__text has-text-align-justify\">At the same time, only newer format generations will be considered standard in the future, in particular:<\/p><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>pain.001.001.09<\/strong> for transfers<\/li>\n\n\n\n<li><strong>pain.008.001.08<\/strong> for direct debits<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-349ffb3\" data-block-id=\"349ffb3\"><p class=\"stk-block-text__text has-text-align-justify\">These versions correspond to the SEPA format version from <strong>DK Release 3.7<\/strong> and will form the binding basis for electronic payment transactions in the future.<\/p><\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-c2fa021\" data-block-id=\"c2fa021\"><style>.stk-c2fa021 .stk-block-text__text{font-size:20px !important;}@media screen and (max-width:999px){.stk-c2fa021 .stk-block-text__text{font-size:20px !important;}}<\/style><p class=\"stk-block-text__text\"><strong>Why this change directly affects the payment run<\/strong><\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-c8de692\" data-block-id=\"c8de692\"><p class=\"stk-block-text__text has-text-align-justify\">The payment run is technically based on structured payment files. Every payment generated from an ERP or accounting system is sent as an XML file to the EBICS channel. If the format changes, the technical structure of the payment run changes automatically as well.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-0fe35c8\" data-block-id=\"0fe35c8\"><p class=\"stk-block-text__text has-text-align-justify\">Many companies still use configurations that were originally set up years ago and have remained unchanged ever since. This is precisely where the risk lies: if these configurations continue to generate outdated pain versions, banks will simply reject the files starting in November 2026.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-29729c9\" data-block-id=\"29729c9\"><p class=\"stk-block-text__text has-text-align-justify\">This does not make the payment process slower or less efficient \u2013 it <strong>It may not work at all anymore.<\/strong>.<\/p><\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-81a923b\" data-block-id=\"81a923b\"><style>.stk-81a923b .stk-block-text__text{font-size:20px !important;}@media screen and (max-width:999px){.stk-81a923b .stk-block-text__text{font-size:20px !important;}}<\/style><p class=\"stk-block-text__text\"><strong>Further format shutdowns in the surrounding area<\/strong><\/p><\/div>\n\n\n\n<p>In addition to the classic SEPA payment formats, other areas are also affected:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The international format <strong>DTAZV<\/strong> will also be discontinued in November 2026 and replaced by ISO-20022-XML.<\/li>\n\n\n\n<li>MT formats such as [example missing] were previously used for account information. <strong>MT940<\/strong> and <strong>MT942<\/strong> discontinued, so camt formats will be mandatory in the future.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-0baacae\" data-block-id=\"0baacae\"><p class=\"stk-block-text__text has-text-align-justify\">These parallel shutdowns demonstrate that this is not an isolated change, but a comprehensive modernization of the entire payment data ecosystem.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-b176521\" data-block-id=\"b176521\"><p class=\"stk-block-text__text has-text-align-justify\">In practice, problems rarely arise on the deadline itself, but rather in the weeks leading up to it \u2013 for example, when banks conduct tests or preliminary shutdowns. During such phases, companies frequently report the following:<\/p><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Error messages when submitting payment runs<\/li>\n\n\n\n<li>unexpected rejections of payment files<\/li>\n\n\n\n<li>additional manual effort for short-term correction<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-3424c44\" data-block-id=\"3424c44\"><p class=\"stk-block-text__text has-text-align-justify\">These effects are not caused by faulty accounting, but solely by data formats that are no longer supported.<\/p><\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-c990411\" data-block-id=\"c990411\"><style>.stk-c990411 .stk-block-text__text{font-size:20px !important;}@media screen and (max-width:999px){.stk-c990411 .stk-block-text__text{font-size:20px !important;}}<\/style><p class=\"stk-block-text__text\"><strong>Recommendations for companies<\/strong><\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-f17c666\" data-block-id=\"f17c666\"><p class=\"stk-block-text__text has-text-align-justify\">To ensure that payment processing continues to function smoothly after November 2026, companies should check the following points early on:<\/p><\/div>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Which pain version is our ERP or treasury system currently generating?<\/strong><\/li>\n\n\n\n<li><strong>Does our banking software already support pain.001.001.09 and pain.008.001.08?<\/strong><\/li>\n<\/ol>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-6ee22e9\" data-block-id=\"6ee22e9\"><p class=\"stk-block-text__text has-text-align-justify\">An important point: Even if a system theoretically supports new formats, this doesn&#039;t automatically mean they are actively configured. Many installations continue to work with older default versions.<\/p><\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-9022698\" data-block-id=\"9022698\"><style>.stk-9022698 .stk-block-text__text{font-size:20px !important;}@media screen and (max-width:999px){.stk-9022698 .stk-block-text__text{font-size:20px !important;}}<\/style><p class=\"stk-block-text__text\"><strong>Conclusion: The payment process remains \u2013 but its technical basis changes.<\/strong><\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-aeea340\" data-block-id=\"aeea340\"><p class=\"stk-block-text__text has-text-align-justify\">The payment run as a process will remain a central component of financial processing even after 2026. However, what will fundamentally change is the technical basis on which this process runs.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-530846f\" data-block-id=\"530846f\"><p class=\"stk-block-text__text has-text-align-justify\">With the end of several pain versions and other legacy formats in November 2026, a clear break will occur in the history of electronic payment transactions. Companies that modernize their systems in time can manage this transition without interruption \u2013 all others risk operational disruptions in one of the most sensitive business processes of all.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-362fbcd\" data-block-id=\"362fbcd\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button stk-block stk-60ade19\" data-block-id=\"60ade19\"><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/gopus.de\/en\/kontakt\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"stk-button__inner-text\"><strong>CONTACT<\/strong><\/span><\/a><\/div>\n<\/div><\/div>\n\n\n\n<p><strong>Sources<\/strong>:<\/p>\n\n\n\n<p><a href=\"https:\/\/www.ebics.de\/securedl\/...\/SEPA-LifeCycleFormatversionen-StandApril_2025.pdf\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ebics.de\/securedl\/&#8230;\/SEPA-LifeCycleFormatversionen-StandApril_2025.pdf<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.ebics.de\/de\/datenformate\/format-lifecycle\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ebics.de\/de\/datenformate\/format-lifecycle<\/a><\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Der Zahllauf ist das Herzst\u00fcck der Finanzprozesse in jedem Unternehmen \u2013 und doch steht er vor einer entscheidenden Ver\u00e4nderung. Ab November 2026 laufen zahlreiche Zahlungsformate im EBICS-Umfeld aus. Wer bis [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":5485,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9,14,15,16,17,18,19,20,21,22],"tags":[],"class_list":["post-5483","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktuelles","category-sap-bc","category-sap-fi","category-sap-is-h","category-sap-le","category-sap-mm","category-sap-pm","category-sap-qm","category-sap-sd","category-sap-hilfe"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/gopus.de\/en\/wp-json\/wp\/v2\/posts\/5483","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gopus.de\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gopus.de\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gopus.de\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/gopus.de\/en\/wp-json\/wp\/v2\/comments?post=5483"}],"version-history":[{"count":5,"href":"https:\/\/gopus.de\/en\/wp-json\/wp\/v2\/posts\/5483\/revisions"}],"predecessor-version":[{"id":5489,"href":"https:\/\/gopus.de\/en\/wp-json\/wp\/v2\/posts\/5483\/revisions\/5489"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gopus.de\/en\/wp-json\/wp\/v2\/media\/5485"}],"wp:attachment":[{"href":"https:\/\/gopus.de\/en\/wp-json\/wp\/v2\/media?parent=5483"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gopus.de\/en\/wp-json\/wp\/v2\/categories?post=5483"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gopus.de\/en\/wp-json\/wp\/v2\/tags?post=5483"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}