Check payments before you send them to the bank

Today's payment batch

?How do I export the file from my program?

The XML file of payment orders you are about to upload to your bank (ISO 20022 pain.001, from Minimax or a Slovenian e-bank), or a CSV or XLSX file with one payment per row: recipient, IBAN, amount, reference or purpose, date and invoice number. The file is read in your browser and is not sent anywhere.

History

Optional, and several files at once: earlier XML batches, and your list of received invoices (CSV or XLSX). The more history, the more the checks can tell. With no history, only the checks inside the batch itself work.

What is checked

Every warning names its reason. With history, a payment is compared with the earlier payments to the same recipient. A recipient is recognised by name, without the legal form (d.o.o., s.p., d.d.), capital letters, spaces and punctuation.

High risk

• Changed IBAN — a recipient you know, with an IBAN different from every earlier payment to them.
• IBAN belongs to another recipient — in your history this IBAN was another recipient's.
• Double payment — the same recipient, the same amount and the same reference or invoice number: in the batch itself, or in the history of the last 90 days.

Medium risk

• Unusual amount — more than times the median of the earlier payments to that recipient, when there are at least 3 of them.
• New recipient — no payment to them in your history.
• IBAN from another country than usual — the country code of the IBAN differs from the earlier ones of that recipient.
• Unusually frequent — a recipient with at least 3 earlier payments, usually paid every 20 days or more, is paid again after less than half of that time.

For information

• Similar reference or invoice number — the same recipient and the same amount, with a reference that differs by one character: a typing mistake, or a double payment.
• Round amount with no reference — whole hundreds of euros, with neither a reference nor an invoice number.

These two are notes: the payment stays OK and does not count among the payments to check.

A changed IBAN or an IBAN of another recipient can be marked “Confirmed by phone”: from then on that recipient with that IBAN is OK, with a note of who checked it and when. A double payment cannot be confirmed.

Without history only the checks inside the batch run: a double payment in the batch, a similar reference and a round amount with no reference. A list of received invoices counts towards double payments only on the rows that have a payment date; without one it still shows which recipients, IBANs and amounts are usual.