[IMP] accounting: batch payments and SEPA overhaul (+ additional CH loca info)

content/applications/finance/accounting/bank/bank_synchronization/ponto.rst

@@ -78,18 +78,18 @@ Vendor payments with Ponto
 .. important::
    Before managing vendor payments with Ponto, make sure the following steps are completed:
 
-   - :ref:`SEPA Credit Transfer is activated (SCT) <accounting/pay_sepa/activate-sepa>`.
+   - :ref:`SEPA Credit Transfer (SCT) is activated <accounting/sepa_payments/sct>`.
    - :ref:`The SEPA Credit Transfer payment method has been added to the bank journal
-     <accounting/pay_sepa/activate-sepa-bank-journal>`.
-   - :doc:`The vendor's bank account has been marked as trusted <../../payments/trusted_accounts>`.
+     <accounting/sepa_payments/sct_configuration>`.
+   - :ref:`The vendor's bank account has been marked as trusted <accounting/batch/bank-accounts>`.
    - The :guilabel:`Account Online Payment` (`account_online_payment`) module is :ref:`installed
      <general/install>`.
 
 To register a vendor payment using Ponto, follow these steps:
 
 #. Go to :menuselection:`Accounting --> Vendors --> Payments` and create the payment. Fill in the
    relevant bank :guilabel:`Journal` field, select :ref:`SEPA Credit Transfer
-   <accounting/pay_sepa/registering-payments-sepa>` as the :guilabel:`Payment Method`, and enter the
+   <accounting/sepa_payments/sct>` as the :guilabel:`Payment Method`, and enter the
    :guilabel:`Vendor Bank Account`. Then click :guilabel:`Confirm`.
 #. Go to :menuselection:`Accounting --> Vendors --> Batch Payments` and :ref:`create a batch
    <accounting/batch/creation>`. Select the same bank :guilabel:`Journal` and :guilabel:`Payment

content/applications/finance/accounting/get_started/journals.rst

@@ -146,7 +146,7 @@ fields are specific to bank journals:
 - :guilabel:`Bank Account`: This :guilabel:`Bank and Cash` type account is the default account for
   this bank journal.
 - :guilabel:`Account Number`: The bank account's number is used when registering payments and is
-  required for generating outgoing payment files, such as :doc:`SEPA <../payments/pay_sepa>` or
+  required for generating outgoing payment files, such as :doc:`SEPA <../payments/sepa_payments>` or
   :ref:`NACHA <l10n_us/nacha>`. To edit the bank account details, click on the
   :icon:`oi-arrow-right` :guilabel:`(Internal link)` button next to the :guilabel:`Account Number`
   and update the account information accordingly.
@@ -160,7 +160,8 @@ fields are specific to bank journals:
 - :guilabel:`Split Transactions`: Split collective payments for CODA files.
 
 Multiple payment methods are available for bank journals, as are configurations for generating
-outgoing payment files, such as :doc:`SEPA <../payments/pay_sepa>` or :ref:`NACHA <l10n_us/nacha>`.
+outgoing payment files, such as :doc:`SEPA <../payments/sepa_payments>` or :ref:`NACHA
+<l10n_us/nacha>`.
 
 .. _accounting/journals/cash:
 

content/applications/finance/accounting/payments.rst

@@ -28,9 +28,9 @@ Payment methods
 Several payment methods are available in Odoo to allow different configurations for different types
 of payments. Examples of payment methods include manual payments (such as cash), :doc:`checks
 <payments/pay_checks>`, and batch payment files (such as :ref:`NACHA
-<l10n_us/ach-electronic-transfers>` and :doc:`SEPA <payments/pay_sepa>`). Payment methods can be
-configured in the :guilabel:`Incoming Payments` and :guilabel:`Outgoing Payments` tabs of a bank or
-cash journal.
+<l10n_us/ach-electronic-transfers>` and :doc:`SEPA <payments/sepa_payments>`). Payment methods can
+be configured in the :guilabel:`Incoming Payments` and :guilabel:`Outgoing Payments` tabs of a bank
+or cash journal.
 
 .. seealso::
    :doc:`../../sales/point_of_sale/payment_methods` for Point of Sale
@@ -321,9 +321,9 @@ Registering a single payment for multiple customers or vendors (batch payments)
 ===============================================================================
 
 Batch payments allow grouping payments from multiple customers to ease :doc:`reconciliation
-<bank/reconciliation>`. They are also useful when depositing :ref:`checks
-<accounting/payments/checks>` or cash payments to the bank or for generating bank payment files such
-as :doc:`SEPA <payments/pay_sepa>` or :ref:`NACHA <l10n_us/nacha>`.
+<bank/reconciliation>`. They are also useful when depositing :doc:`checks
+<payments/pay_checks>` or cash payments to the bank or for generating bank payment files such
+as :doc:`SEPA <payments/sepa_payments>` or :ref:`NACHA <l10n_us/nacha>`.
 
 .. seealso::
    :doc:`payments/batch`
@@ -403,9 +403,6 @@ Reconciling payments with bank transactions
 
    payments/online
    payments/batch
-   payments/batch_sdd
+   payments/sepa_payments
    payments/follow_up
-   payments/pay_sepa
    payments/pay_checks
-   payments/forecast
-   payments/trusted_accounts

content/applications/finance/accounting/payments/batch.rst

@@ -2,55 +2,222 @@
 Batch payments
 ==============
 
-Batch payments allow grouping payments from multiple customers or vendors into a single batch and
-generating a detailed deposit slip or payment file with a batch reference. This reference can be
-used during :doc:`reconciliation <../bank/reconciliation>` to match bank transactions with the
-corresponding payments. This feature is particularly useful for submitting :doc:`SEPA Direct Debit
-payments <batch_sdd>`, depositing cash payments or :ref:`checks <accounting/payments/checks>`, or
-generating outgoing payment files, such as :doc:`SEPA <pay_sepa>` or :ref:`NACHA <l10n_us/nacha>`.
+Batch payments act as an organizational tool that groups multiple individual customer or vendor
+payments into a single file. Rather than managing transactions one by one, you can consolidate them
+to generate a detailed deposit slip or a single electronic payment file. This significantly
+simplifies :doc:`bank reconciliation <../bank/reconciliation>`: when a bulk sum appears on your bank
+statement, Odoo uses the batch reference to automatically match and reconcile all underlying
+payments in a single step.
+
+For customer payments, the feature supports both physical payments, such as :doc:`checks
+<pay_checks>` and cash, and electronic transfers. Group incoming cash or check payments into batches
+to print bank deposit slips to ensure your internal records mirror the lump-sum deposit on your bank
+statement. On the vendor side, batch payments streamline bulk electronic transfers. Instead of
+processing supplier invoices manually, select multiple bills and generate a single outgoing payment
+file to upload directly to your banking portal. Because these file formats are region-specific
+(e.g., :doc:`SEPA <sepa_payments>` in Europe, :ref:`NACHA <l10n_us/nacha>` in the U.S., or the
+global :ref:`ISO 20022 <accounting/sepa_payments/iso20022>` standard), consult your country's
+:doc:`fiscal localization <../../fiscal_localizations>` documentation to verify supported formats.
+
+.. seealso::
+   :doc:`../payments`
+
+.. _accounting/batch/configuration:
 
 Configuration
 =============
 
-To enable batch payments, go to :menuselection:`Accounting --> Configuration --> Settings`, scroll
-down to the :guilabel:`Customer Payments` section, and enable :guilabel:`Batch Payments`.
+Make sure batch payments are enabled by opening the **Accounting** app, going to
+:menuselection:`Configuration --> Settings`, scrolling down to the :guilabel:`Customer Payments`
+section, and enabling :guilabel:`Batch Payments`.
+
+.. note::
+   This enables both customer *and* vendor batch payments.
+
+.. tip::
+   According to your needs, check that the following apps are installed in the **Apps** app:
+
+   - :doc:`SEPA Credit Transfer <sepa_payments>`
+   - :doc:`SEPA Direct Debit <sepa_payments>`
+   - :doc:`SEPA Payments for Payroll <../../../hr/payroll>`
+   - :doc:`Payment Provider: Sepa Direct Debit <../../payment_providers/sdd>`
+   - :ref:`NACHA Payments <l10n_us/nacha>`
 
 .. _accounting/batch/creation:
 
 Batch creation
 ==============
 
-To create a batch payment, follow these steps:
+To create customer or vendor batch payments and add existing payments to them, follow these steps:
 
 #. Make sure all payments to be included in the batch have been :ref:`registered
    <accounting/payments/from-invoice-bill>`.
-#. Go to :menuselection:`Accounting --> Customers --> Payments`.
-#. Select the payments to include in the batch.
+#. Open the **Accounting** app and go to :menuselection:`Customers --> Batch Payments` or
+   :menuselection:`Vendors --> Batch payments` according to the nature of the payment and click
+   :guilabel:`New`.
+#. Next, configure the batch payment:
+
+   - :guilabel:`Batch Type`: select whether the money is being transferred to your account
+     (:guilabel:`Inbound`) or to someone else's account (:guilabel:`Outbound`).
+   - :guilabel:`Bank`: the bank :doc:`journal <../get_started/journals>` to use for this batch.
+   - :guilabel:`Payment Method`: the payment method used for the invoices' payments. Only payments
+     matching the payment method selected will appear.
+   - :guilabel:`Date`: the batch's creation date.
+   - :guilabel:`Reference`: the reference of the batch. Leave it empty to generate it automatically.
+   - :guilabel:`Add a line`: click it to select the payments to include in the batch.
 
-   .. note::
-      All payments in the batch must use the same payment method. If needed, payments can be grouped
-      using the :guilabel:`Payment Method Line`.
+#. Once all desired payments are included, click :guilabel:`Validate` to finalize the batch.
 
-#. Click :guilabel:`Create batch` or click :icon:`fa-cog` :guilabel:`Actions` and select
+Alternatively, you can select the relevant payments and create a batch payment directly from them:
+
+#. Make sure all payments to be included in the batch have been :ref:`registered
+   <accounting/payments/from-invoice-bill>`.
+#. Open the **Accounting** app and go to :menuselection:`Customers --> Payments` or
+   :menuselection:`Vendors --> Payments` and select all payments to include in the batch.
+#. Click :guilabel:`Create Batch`, *or* :icon:`fa-cog` :guilabel:`(Actions)`, and select
    :guilabel:`Create batch payment`.
-#. In the batch payment form, review the selected payments. If any individual payments were missed,
-   click :guilabel:`Add a line` and select the missing payments to be included in the batch.
-#. Once all relevant payments are included, click :guilabel:`Validate` to finalize the batch.
+#. In the view form, review the selected payments. If any individual payments are missing, click
+   :guilabel:`Add a line`, then select the missing payments to include in the batch.
+#. If you're using ISO 20022 as :guilabel:`Payment Method`, you can define the charge baring options
+   in the :guilabel:`Charge Bearer` field.
+#. Once all desired payments are included, click :guilabel:`Validate` to finalize the batch.
+
+To view existing batch payments, go to :menuselection:`Customers --> Batch Payments` or
+:menuselection:`Vendors --> Batch Payments`.
 
 .. note::
-   Once validated, no additional payments can be added to a batch.
+   - All payments in a batch *must* use the same payment method.
+   - Once validated, no additional payments can be added to a batch. You can delete the batch if
+     necessary by clicking :icon:`fa-cog` :guilabel:`(Actions)` and then :icon:`fa-trash-o`
+     :guilabel:`(Delete)`.
 
 .. tip::
-   - Click :guilabel:`Print` to download a list of the included payments.
-   - To view existing batch payments, go to :menuselection:`Accounting --> Customers --> Batch
-     Payments`.
+   - Click :icon:`fa-print` :guilabel:`Print` to download a list of the included payments.
+   - To filter payments by payment method, click on the :guilabel:`Payment Method` column header
+     during the batch payment creation step.
+
+.. _accounting/batch/bank_reconciliation:
 
 Bank reconciliation
--------------------
+===================
 
-Once the bank transactions :doc:`have been created <../bank/transactions>` in your database, you can
+Once the :doc:`bank transactions <../bank/transactions>` have been created in your database, you can
 :ref:`reconcile them with the batch payment <reconciliation/batch-payments>`.
 
+.. image:: batch/batch-reconciliation.png
+   :alt: Reconciling the batch payment with all its transactions
+
+.. note::
+   If a specific payment could not be processed by the bank or is missing, remove the line
+   corresponding to that payment by using the :icon:`fa-trash-o` (:guilabel:`Delete`) button before
+   validating the reconciliation of the batch payment.
+
+.. _accounting/batch/bank-accounts:
+
+Bank accounts
+=============
+
+Odoo distinguishes between :guilabel:`Banks` (the financial institution issuing the account) and
+:guilabel:`Bank Accounts` (the specific account number and routing details).
+
+You can store banking details for both your own company and your :doc:`contacts
+<../../../essentials/contacts>`. Odoo automatically uses this information when needed, such as when
+generating batch payment files.
+
+To protect your business against :ref:`phishing scams <accounting/batch/phishing>`, Odoo configures
+all new bank accounts as "untrusted" by default, preventing outgoing wire transfers until you
+:ref:`manually verify and trust <accounting/batch/link-account-contact>` the account.
+
 .. seealso::
-   - :doc:`../payments`
-   - :doc:`batch_sdd`
+   :doc:`sepa_payments`
+   :ref:`NACHA <l10n_us/nacha>`
+
+.. _accounting/batch/bank-accounts-configuration:
+
+Configuration
+-------------
+
+.. note::
+   The **Contacts** app can be :ref:`installed <general/install>` from the **Apps** dashboard.
+
+To configure your banking information, open the **Contacts** app and go to
+:guilabel:`Configuration`. From here, you can manage :guilabel:`Banks` and :guilabel:`Bank
+Accounts`.
+
+.. _accounting/batch/create-bank:
+
+Create a bank
+~~~~~~~~~~~~~
+
+Go to :menuselection:`Configuration --> Banks` and click :guilabel:`New`. Fill in the following
+fields:
+
+- :guilabel:`Name`: The name of the bank.
+- :guilabel:`Bank Identifier Code`: The bank's SWIFT or BIC code.
+- :guilabel:`Bank Address`: Enter the :guilabel:`Country`. The :guilabel:`Street`, :guilabel:`City`,
+  :guilabel:`State`, and :guilabel:`Zip` fields are optional.
+- :guilabel:`Phone` and :guilabel:`Email`: Optional contact details.
+
+.. _accounting/batch/create-bank-account:
+
+Create a bank account
+~~~~~~~~~~~~~~~~~~~~~
+
+.. note::
+   **Prerequisite:** A bank account must be linked to a specific bank record. Ensure you have
+   created the required bank using the steps above before setting up a bank account.
+
+Go to :menuselection:`Configuration --> Bank Accounts` and click :guilabel:`New`. Enter the
+following details:
+
+- :guilabel:`Account Number`: The unique identification number for the bank account.
+- :guilabel:`Bank`: Select the associated bank from the drop-down menu.
+- :guilabel:`ABA/Routing`: The American Bankers Association routing number (if applicable).
+- :guilabel:`Account Holder Name`: The full name of the account holder.
+- :guilabel:`Account Holder`: Select the holder's :doc:`contact <../../../essentials/contacts>` from
+  the drop-down menu. If the contact does not exist yet, you can link it later by following the next
+  steps.
+- Toggle :guilabel:`Send Money` to mark the account as :guilabel:`Trusted`. Marking the account as
+  :guilabel:`Trusted` will enable you to send money to this account, so only do this when you are
+  certain the information is correctly entered and was not provided by a :ref:`phishing attack
+  <accounting/batch/phishing>`.
+
+.. _accounting/batch/link-account-contact:
+
+Link a bank account to a contact
+~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
+
+If you need to link an existing bank account to a contact:
+
+1. Open an app with contact access (such as **Accounting** or **Contacts**).
+2. Select a contact and open the :guilabel:`Accounting` tab.
+3. In the :guilabel:`Bank Accounts` section, click :guilabel:`Add a line` and provide the:
+
+   - :guilabel:`Account Number`,
+   - :guilabel:`Bank`,
+   - :guilabel:`Account Holder Name`,
+   - :guilabel:`Account Holder`,
+   - :guilabel:`Company` and :guilabel:`Currency` (if applicable).
+
+4. Toggle :guilabel:`Send Money` to mark the account as :guilabel:`Trusted`.
+
+.. _accounting/batch/phishing:
+
+Phishing attacks
+----------------
+
+A **phishing attack** is an online scam designed to trick individuals or companies into giving away
+sensitive information or money by sending out fraudulent communication. Fraudsters pretend to be
+legitimate companies and may use partial information to give credibility to their requests.
+
+There are several types of phishing attacks, including **invoice fraud**. In this case, the
+fraudster pretends to be a genuine supplier following up on unpaid bills or sending a new invoice,
+but with different payment information than usual and with fake contact details.
+
+To protect yourself from these types of phishing attacks, remain vigilant when you receive
+unexpected invoices or payment requests.
+
+.. important::
+   In case of doubt, **we recommend contacting the vendor by phone**. Make sure to call an official
+   phone number by searching yourself, as the URLs, email addresses, and phone numbers written in
+   the communication you received may be fake.