Hans Dunnik

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  • Hans Dunnik
    Participant
    So this is where we get mixed information.

    One major bank just today told us that payment files will not be rejected, if still unstructured by Nov 2025 / 2026, even for International and SEPA outside EU.

    The only requirement for structured (and rejections) is for POBO debtor information and for DD collections for the debtor information, but not for any creditor information.

    Then other banks, do say it is mandatory in their ISO pitchbooks (for debtor and creditor details) or they will reject the payment files.

     

    Hans Dunnik
    Participant
    F24 via BNL (100% sub of BNP) and loaded via file upload in global portal (but took long time to develop the file upload process…)

    I am interested how you are managing PagoPa payments in Italy ? We have hundreds of them per month… and this can’t be paid via SEPA but is really a local payment scheme with specific Qbill codes and references (aviso) and is currently all done manually in local BNL portal by Outsourced AP department.

    Does anyone have setup where they can pay PagoPa via SAP or via TMS in an automated way ?

    Hans Dunnik
    Participant
    I believe it depends on relationship/negotiation (if at least your Italian bank is part of your global relationship bank..)…

    For us we have an agreed European (Euro) agreed pricing structure, regardless of being Italy or for example Austria.

    Hans Dunnik
    Participant
    Would you mean prices on true FX deals or on auto-FX done by the banks when FX flows in or out ?

    What I see that FX margins are auto-applied on amounts. For example amounts <100k, then 150 bp is applied, but >100k-<500k this drops to 100 bp…. going further over 10million, the bp is only 10bp.

    In other words, small/tiny conversions cost a lot of money, and it becomes less of a pain when amounts are higher.

    Do others see the same, or they have 1 fixed margin (bp) they pay, regardless of amount ?

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