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Pay suppliers with one file (SEPA XML)

On the To pay screen you pick unpaid expenses and download one file for the bank. You upload and sign it in your internet banking, and the bank pays all the invoices at once.

Instead of typing IBANs, amounts and symbols into the bank one invoice at a time, Vporiadku prepares one file in the SEPA XML format (ISO 20022 pain.001.001.09). Your internet banking reads it as a bulk order and asks for your signature before it sends anything.

Step by step

  1. Open To pay

    In Expenses click To pay. You see the unpaid expenses, earliest due first, with the amount still left to pay.

  2. Pick what to pay

    Tick the expenses. The Due by filter keeps only those due by the day you choose. An expense that cannot go into the file shows why, and cannot be ticked.

  3. Download the file

    Click Download the payment order (XML), choose the euro account the money leaves from and the payment date at the bank. The file downloads and the order shows Sent to the bank.

  4. Upload it at the bank

    In your internet banking find the payment file import or the bulk order (SEPA XML), upload the file, check the payments and sign. Which banks take it: Which banks accept the file.

  5. Mark the order as paid

    Once the bank has paid, click Mark as paid on the order. If you upload bank statements, the expenses settle themselves when matched and the order is marked by itself.

What the file holds

  • For each payment: the supplier name, the IBAN (from the invoice, otherwise from the supplier directory), the amount still left to pay, and the supplier address with town and country.
  • The variable, specific and constant symbol as /VS…/SS…/KS…, the way Slovak banks write them. The supplier sees them on the statement. The message to the payee also carries their invoice number.
  • Your account, your company name and address, the payment date at the bank. Fees are shared (SEPA allows nothing else).
  • Each file has its own message id, by which a bank can recognise a second upload. We have not yet checked whether your bank does, so before you sign, check that you have not uploaded the file already.

Undo and cancel

Undo the marking deletes the payments the marking recorded, and the expenses are to pay again. Payments from a bank statement stay. Cancel the order frees its expenses for a new selection. Until somebody downloads the file, a team member can cancel the order too. An order whose file was downloaded is cancelled only by the owner or an admin, after confirming that the bank did not make the payments: otherwise the expenses in a new order would be paid a second time. If the file is at the bank, cancel the order there too.

Before the first download Vporiadku checks every expense of the order again. If somebody paid it in the meantime, or its amount or account changed, the file is not downloaded and the order has to be cancelled and prepared again. If the payment date of the order has passed in the meantime, the file gets today's date.

Who can do what

The owner and an admin prepare and download the order. A team member prepares it; the owner or an admin downloads the bank file. The accountant sees the list and the orders but neither prepares nor downloads.

When an expense is not in the file

What to add (IBAN, supplier town, currency) is in Why an expense is not in the file. One invoice can be paid without a file too: Pay an expense with PAY by square.

Frequently asked questions

Does Vporiadku send the money for me?
No. Vporiadku prepares the file; the bank sends the money only after you sign in your internet banking.
Is an invoice paid twice if I also upload the bank statement?
No. Marking the order records nothing for an expense a statement already paid, and a statement never matches more than is left to pay.
Can I pay in a currency other than euro?
A SEPA file carries euro only. Pay an invoice in another currency at the bank by hand.

Did not find your answer? Write to us at podpora@vporiadku.sk; we answer in Slovak, English and Ukrainian.

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More guides

  • Recurring expenses

    Rent, insurance, a leasing instalment or the monthly contributions are booked into your expenses by themselves on the day they fall due. Set them up once from an existing expense.

  • Pay an expense with PAY by square

    For an unpaid expense in euro, Vporiadku shows a PAY by square code. You scan it in your banking app and just confirm the payment, without typing the IBAN and symbols.

  • Which banks accept the payment file

    The Vporiadku payment file is SEPA XML in version pain.001.001.09 with structured addresses. Here is what we know about Slovak banks taking it, and what we have not checked yet.

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