On Mon, Dec 5, 2011 at 12:48 AM, Cédric Krier <[email protected]> wrote:
> On 05/12/11 00:29 +0100, Jordi Esteve wrote:
>> Al 04/12/11 23:55, En/na Cédric Krier ha escrit:
>> >On 04/12/11 19:45 +0100, Albert Cervera i Areny wrote:
>> >>Next thing we'll need in our localization is being able to assign payment
>> >>types to parties, sales and purchase orders, invoices, and account move 
>> >>lines.
>> >>
>> >>A payment type defines how an invoice is going to be paid. Some examples 
>> >>can
>> >>be: credit card, bank transfer or cheque.
>> >>So the question is: do other countries need similar features and have some
>> >>specific requirements?
>> >It is very difficult to answer this because I don't see the usage of
>> >such informations.
>> >Of course in some cases, you can add some facilities to pay an invoice
>> >(like pre-filled bank transfer form) but for me, customers are always
>> >allowed to pay the way they want.
>> >
>>
>> Not always. There are lot of cases that the customer invoices are
>> paid when the supplier wants, normally by an automatic process throw
>> the banks. For example, when you pay the electricity or the water
>> invoices. The customer don't say "I want to pay my electricity
>> invoice this day". The electricity company, as supplier, takes the
>> order to get the money of their customers, normally by a automatic
>> process between the company bank and the customer bank.
>
> Ok this is a special cases where the customer allow the supplier to take
> money from his bank account. So the company know about that.
> But this is just one special process for such customers. I don't see it
> is useful to get this information on any of the proviously described
> document.

I don't know if this can be relevan, but in Italy we have RIBA payment, a system
where the supplier gives to the bank few days before the invoice due date an
order to issue a slip, which you go to pay on a date predetermined.

For example: Suppliers A invoice is due on 31-12-2011 and they would
simply send to the bank of their customer an note, where they say that
invoice nr.xx has due on 31-12-2011 with the amount of Eur.Y, so the bank would
create a piece of paper, where they send it to the customer B of the
supplier A by post,
and when customer B presents this paper signed, the bank automatically
debit the customer B account.
This works also with home banking.

Rgds
Saxa

>
>> >>Do you think account.payment.order should go to its own
>> >>module or better moved into account_payment_type?
>> >What is an "account.payment.order"?
>> >
>>
>> A payment order is an order to get the money of several debit
>> customers. Or an order to pay money to several suppliers.
>
> First, I think it is important to distinct both types. They certainly
> don't have the same workflow.
>
>> With a
>> payment order you can obtain a file with a certain format that you
>> can sent to your bank to automatically process these payments, as I
>> explain before.
>
> So you mean it is only linked to bank? I think it is better to speak
> about "financial intermediaries".
>
> I think such feature must be designed very well because it defines the
> way to manage the cash flow of the company. So it must be flexible,
> customizable, generic etc.
>
> --
> Cédric Krier
>
> B2CK SPRL
> Rue de Rotterdam, 4
> 4000 Liège
> Belgium
> Tel: +32 472 54 46 59
> Email/Jabber: [email protected]
> Website: http://www.b2ck.com/

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