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Mensuel de juin 2022 - Informatique financière

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Request to Pay: automated processing of invoices with SEPA
By Arnd HEßELER, Erwin MEICHENITSCH, Nikola JELICIC, Konrad HOLTKAMP Felix HAEUSLER, zeb consulting*   Recently, SEPA has started to offer the option of requesting payments via standardized messages with Request to Pay (R2P). It is now possible to almost completely automate processes from invoicing to final payment for both the payee and the payer (E2E automation). This means an absolute efficiency gain of EUR 1.4 to EUR 3.9 per transaction for both involved companies!   But what’s behind Request to Pay, how does it actually work – and how can a bank benefit from it?   What does Request to Pay mean?   Request to Pay is a SEPA feature which has been defined by the European Payments Council and...
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