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Ext. Payment Suggestion

Summarize payments and build the payment reference

Summarize per account, split the payment or use a remittance advice: how 365 business Banking builds the payment reference when 140 characters are not enough.

A SEPA credit transfer contains at most 140 characters of payment reference; in Business Central, this is the Message to Recipient field. As long as one payment is created per invoice, this length is sufficient. However, if you combine twenty invoices of one vendor into one payment, their numbers no longer fit into the field, and the recipient cannot match the payment. The Purpose Exceed Option defines how this case is handled.

Summarize per account

If Summarize per Account is turned on in the template, one line per account and currency is created; for members of a payment group, one line per payment group and currency on the central account. The entries are linked to the line with the same applies-to ID. The line gets the earliest posting date of its entries. This ensures that no payment discount lapses that one of the entries would have received on its own date.

The payment reference lists all entries:

• If a message to recipient is defined in the template for the account type, the messages of the individual entries are joined with commas.
• Otherwise, the external document numbers are listed grouped by document type, with each document type named once, for example Credit Memo EGU-1051, Invoice 2026257, 2026345.
• If a vendor ledger entry has its own message from the purchase invoice (Diff. Message to Recipient), that message takes the entry's place instead of its document number.

Without Summarize per Account, each entry gets its own line. Exception: accounts with credit memos are always paid with a single line. See Credit memos.

Purpose Exceed Option

If the listed payment reference does not fit into 140 characters, the Purpose Exceed Option applies:

1. the option on the vendor card, if one is set there,
2. otherwise the option in Banking Setup, Payments FastTab. See Banking Setup. After installation, it is set to Split Payment.

Customers and employees have no option of their own; Banking Setup always applies to them.

Option	What happens
blank	The payment reference is cut off after 140 characters.
Split Payment	The payment is spread over several lines. Each line pays the entries whose numbers fit into its payment reference, and applies exactly those.
Create Remittance Advice	One line with the payment reference "Remittance Advice … as of …". Which documents the payment settles is shown in the remittance advice.
Always Create Remittance Advice	Like Create Remittance Advice, but for every line, even if the payment reference would fit, and also for single payments without summarizing.

With a remittance advice, its number is assigned from the Remittance Advice Nos. series and also set as the line's Payment Reference. The date in the payment reference is the line's posting date.

Example

Vendor with 25 open invoices, Summarize per Account turned on, 180 characters of document numbers in total:

Option	Result in the payment journal
blank	one line, payment reference cut off after 140 characters; the last invoices are missing from the text
Split Payment	two lines, each with the invoices that fit into its payment reference
Create Remittance Advice	one line "Remittance Advice RA00012 as of 03/05/26", the advice lists all 25 invoices

Also in Suggest Vendor Payments

The exceed option also applies in the standard Suggest Vendor Payments when you choose Summarize per Vendor there. See Suggest Vendor Payments.

See also

• Message to recipient with placeholders
• Print and send remittance advice
• Set up extended payment suggestion templates