import { IconCardsGrid, LinkGroupCardsGrid } from "../../../src/components/ColumnsCards";

# Payments

365 business Banking allows you to initiate payments easily and securely. You can perform various types of payments, including SEPA credit transfers, SEPA direct debits, and standing orders. These features are directly integrated into Microsoft Dynamics 365 Business Central, providing a seamless user experience.

The supported payment types include:

<ul>
<i aria-hidden="true" className="fas fa-check check-yes-icon"></i> Credit Transfers<br/>
<i aria-hidden="true" className="fas fa-check check-yes-icon"></i> Instant Credit Transfers<br/>
<i aria-hidden="true" className="fas fa-check check-yes-icon"></i> Scheduled Credit Transfers<br/>
<i aria-hidden="true" className="fas fa-check check-yes-icon"></i> Standing Orders<br/>
<i aria-hidden="true" className="fas fa-check check-yes-icon"></i> Bulk Credit Transfers<br/>
<i aria-hidden="true" className="fas fa-check check-yes-icon"></i> Direct Debits<br/>
<i aria-hidden="true" className="fas fa-check check-yes-icon"></i> Bulk Direct Debits
</ul>

Payments are processed via [finAPI GmbH](https://www.finapi.io/), which provides a secure and reliable interface to various banks in Germany and Europe. Authentication is performed through the 365 business API, ensuring that your data is protected and no sensitive information is cached or processed.

## Payment Types

<IconCardsGrid
  items={[
    {
      href: "/en-us/365-business-banking/payment-types/sepa-credit-transfer",
      iconClass: "fa-duotone fa-thin fa-money-bill-transfer",
      title: "SEPA Credit Transfer",
    },
    {
      href: "/en-us/365-business-banking/payment-types/direct-debit",
      iconClass: "fa-duotone fa-thin fa-money-check-dollar-pen",
      title: "SEPA Direct Debit",
    },
    {
      href: "/en-us/365-business-banking/payment-types/standing-order",
      iconClass: "fa-duotone fa-thin fa-money-bills",
      title: "Standing Order",
    },
  ]}
/>

## Collecting Payments via Payment Services

In addition to the traditional SEPA payment types, 365 business Banking offers the ability to collect payments via payment services (e.g., PayPal). This feature allows you to accept payments from customers or business partners who prefer to use payment services for their transactions.

Currently, the following payment services are supported:

<IconCardsGrid
  centeredContent
  items={[
    {
      href: "/en-us/365-business-banking/payment-services/paypal/collect-payment",
      imageSrc: "/assets/images/365-business-banking/paypal-logo.png",
      imageAlt: "PayPal Logo",
      title: "PayPal",
    },
    {
      href: "/en-us/365-business-banking/payment-services/stripe/collect-payment",
      imageSrc: "/assets/images/365-business-banking/stripe-logo.png",
      imageAlt: "Stripe Logo",
      title: "Stripe",
    }
  ]}
/>

## End-to-End Reference for Batch Payments

With a **SEPA collective credit transfer** or a **SEPA collective direct debit**, several journal lines are handed over to the bank together, and the bank reports the operation back as **one** bank transaction. So that this transaction can be assigned to its batch payment, all lines of a batch payment receive the same **end-to-end reference** when the payment is carried out.

How the group is formed depends on the payment type:

- **SEPA collective credit transfer:** lines of the same journal with the same execution date.
- **SEPA collective direct debit:** lines with the same mandate reference and the same collection date.

The reference is drawn from the number series in the **End-to-End Reference Nos.** field of the **General Ledger Setup**. If no number series is set up there, 365 business Banking generates a technical reference in the form `E2E…`.

<Callout type="info" title="No entry required">
The end-to-end reference is set automatically when the payment is carried out and cannot be edited in the journal.
</Callout>

For more information, see [End-to-End Reference for Batch Payments](features/details/end-to-end-reference-batch-payments.mdx).

## Setup

The setup of payment types is done by defining the payment method in the **Payment Method** in Microsoft Dynamics 365 Business Central. Here, you can select and configure the desired payment types.

For more information on setup, see [Payment Method Setup](setup/payment-method-setup.md).