SEPA Corporate Suite

migrate
to SEPA payments
and reap the benefits

Transactional services. Powering progress

The SEPA context
SEPA Key figures
The Single European Payments Area (SEPA)
encompasses more than 4500 banks, in 32
countries, 490 million citizens, representing
more than 95% of Euro payments in Europe
2008: introduction of SCT
2009: introduction of SDD
2014: migration end date for both SCT
and SDD
SEPA Corporate Suite
A unified environment for payments A solution designed to lower the threshold
Aimed at creating an integrated EU payments market, the SEPA project has led to the introduction of of adopting SDD and SCT
two new payment instruments:
SEPA Corporate Suite is a solution for companies and corporate banks (white labeling). It is available
either as a service or as licensed software. It aims at minimising the impact on your information
The SEPA Credit Transfer (SCT), introduced in 2008, provides a pan-European transfer
systems and workflows and at facilitating a smooth migration towards these new instruments.
infrastructure and reduces costs associated with cross-border transactions.
Based on a modular architecture, SEPA Corporate Suite encompasses three main services
The SEPA Direct Debit (SDD), launched in 2009, provides a pan-European collection infrastructure
that supports cross-border direct debits for both B2C (for consumers) and B2B (for businesses) SEPA mandate management
collections.
SEPA Direct Debit and SEPA Credit Transfer management
Those new instruments imply new business rules and file formats in corporate-to-bank
communications. Whereas the SCT implies few changes for companies, the SDD introduces new Online signature services
responsibilities for creditors, such as managing the mandate’s lifecycle, creating a unique mandate
reference, enriching debit instructions with mandate related data, notifying customers, or ensuring
the security of customer sensitive data.
Main functionality
Self-regulatory efforts have so far proven insufficient to drive forward concerted migration to SEPA
on both the supply and demand sides. In order to ensure that SEPA benefits are achieved rapidly and
that the duplicate costs of running both legacy and SEPA products in parallel can be eliminated, the SEPA mandate management e-SEPA
European Commission defined a binding end-date, February 2014, for both SCT and SDD – making Migration of existing mandates Online mandate completion
the migration to these instruments mandatory.
Full mandate lifecycle Online signature
Ready for e-SEPA Paper mandates flows e-mandate ready
Complementing SEPA core services, e-SEPA is the future of SEPA in the fields of e-payment and
online retailing with the use of advanced information and communication technology. For example, Digital and physical archiving General
the e-mandate will allow debtors and creditors to issue, sign, amend and cancel a mandate through
electronic means. The creditor will be able to ask the debtor’s bank to authenticate the client’s bank
Transactions Full compliance with SEPA rulebooks
account and to confirm that the payment can be initiated, completely electronically. Translation of domestic into SEPA transactions Multi-channel notifications to debtors
Meanwhile, EBA CLEARING has launched MyBank initiative, a pan-European e-transaction initiation Direct debit enrichment with mandate data Multi-language support
service, compliant with legal and regulatory requirements, to support the new e-SEPA Direct Debit
and Credit Transfer schemes. Flexible collections generation Multi-creditor, multi-country, multi-bank support
r-transactions management Real-time reporting

Credit transfers processed in SEPA format

Volume of SCT % of SCT transactions

Modular offering
transactions (Millions) over total transactions
180

160 30
Administration Notifications
140 25
Digital archiving and reporting and alerts
120
20 Paper mandates SEPA mandates
100 collection and and transactions Online payment
15
dematerialisation management
80
Multi protocol Multi channel
60 communication File format electronic signature
10
platform conversion of mandates
40
5
20

0 0
Feb July Feb July Feb July Feb July Feb July
2008 2008 2009 2009 2010 2010 2011 2011 2012 2012
Credit transfers processed in SEPA format have doubled over the last months
Source : http://www.ecb.europa.eu

2 SEPA Corporate Suite SEPA Corporate Suite 3

SEPA mandate management
Existing mandate
migration
SEPA Corporate Suite is based on a central
mandate database into which your existing
mandate data can be easily imported and
migrated to SEPA mandates, following domestic
migration rules. It manages BBAN to BIC and
IBAN conversion and creates the unique
mandate reference (UMR) based on your
customized settings.
This migration process will be fully automated
and based on your existing customer data. Your
current information system does not need to
be adapted to store this new SEPA mandate-
related data. Additionally, SEPA Corporate Suite
provides you with tools to help you issue B2B
mandates based on your existing mandates.
SEPA Corporate Suite can also manage the
notification process to your customers by mail,
e-mail or SMS.
4 SEPA Corporate Suite
Mandate lifecycle
management
SEPA Corporate Suite helps you manage your
mandates’ lifecycle in full compliancy with the
European Payments Council’s rulebooks:
Comprehensive list of statuses to track
exactly mandates position in their lifecycle
Generation of a unique mandate reference
(UMR) based on a customised algorithm, and
linked with an existing creditor reference
Online mandate data collection
Mandate amendment and cancellation
Debtor bank reachability management
Mandates voiding after 36 months
Secure electronic archiving of scanned
mandate images and immediate access
through the user interface
Requests for copies of mandates
Detailed audit trail of all mandate changes
SEPA Corporate Suite also comes with
special features to handle specific needs,
such as a merger between creditors, mandate
renumbering, etc.
Paper mandate
management
SEPA Corporate Suite provides a comprehensive
service around paper mandates
Mass printing and sending of mandates
Order of mandates templates (empty or
already prefilled)
PDF mandate generation and sending to
debtors by email
Collection of signed paper mandates
Scanning and dematerialisation
Paper archiving
Ready for e-SEPA
The e-SEPA feature enhances the role played by banks in the e-authorization process. It introduces
two new services: the Routing Service on the seller bank’s side and the Validation Service on the Electronic
debtor bank’s side. The Routing Service enables the merchant to redirect his client to his bank when signature platform
he is about to pay. Then the authentication of the client, the authorization of the transaction or the
signature of the mandate are handled by the debtor bank’s Validation Service. Reporting screens Atos Worldline’s signature platform
enable a real time monitoring of collections and payments, facilitating accurate treasury forecasts. encompasses:
Rejected and returned payments management is also facilitated by real time alerting dashboards.
A dedicated OTU certificate authority
SEPA Corporate Suite is e-SEPA ready, enabling sellers to be interfaced to their bank’s Routing
Service. As a leading actor in the field of e-commerce and routing services, Atos Worldline offers this
A signature front service, using existing
option as an added-value service to our online payment platform (Sips e-payment solution). certified components
Online signature Signature key generation and certification
As e-mandates will only be available in the near future, the SEPA Corporate Suite provides bridging Time stamped signature creation
mechanisms to manage SEPA mandates online right away, such as online collection of debtor data
(real time and asynchronous) and mandate online signature. Proof management
Atos Worldline is a Trusted Certificate Service Provider and meets the highest level of certification Archiving service
requirements in Europe through its Public Key Infrastructure.
SEPA Corporate Suite offers several online signature solutions for SEPA mandates, depending on
your business and processes. The most appropriate solution for you will be based on a balanced
assessment of risk, payment guarantee and ergonomics for your customers. Neither existing
customers nor new clients need to print the mandate, sign it and send it back to you. Mandate
creation, amendment and cancellation processes become fully electronic, bringing you convenience
and significant costs savings.
Authentication
Visualization of
Signature the document
request
Merchant Signature Signature
service
Signature or Proof constitu-
signed document tion / reporting
Document
archiving
SEPA Corporate Suite 5
Transactions
management and routing
SEPA Corporate Suite lessens the burden of adapting your current IT and
workflows to the new SEPA payment instruments, imports your current
payment files and translates them into SEPA payment files that your banks
will accept.
Management of both Direct Debits and Credit
Transfers
Control and validation of payment flows
Translation into SEPA transactions
Enrichment of SDD payment requests with
mandate related data
Scheduler-based generation of payments
Flexible grouping of transactions into
collections
Configurable validation steps at transaction
and collection levels
Generation of PAIN files
Routing of PAIN files to you or to your banks
using SWIFT, EBICS or proprietary protocols
Management of R-transactions based on
PAIN.002 / CAMT.054 received files
Conversion of r-transactions into domestic
return file formats
Reception and management of CAI (change
account information) files
Generation of event reports for your
accountancy and treasury systems
Notification to your clients, using a large
choice of communication channels (SMS,
mail, etc)
Your SEPA project
A solution tailored
to your needs
Thanks to its modular architecture, SEPA
Corporate Suite is easily interfaced with
File formats managed your existing information systems (ERP,
SEPA Corporate Suite can accept your treasury management, electronic document
existing transactional formats and convert management system, multi -channel notifications
them into SEPA PAIN format: solution, bank communication platform, etc.)
based on open files formats.
Domestic file formats
Belgium The solution comes with a user friendly web-
based interface, but is also fully accessible
France through file transfers and web services for large
Germany volumes of transactions or improved integration .
It thus enables you to manage your full SEPA
Italy activity from a single, centralized platform.
Netherlands
SEPA Corporate Suite is multi-country, multi-
Spain bank and multi-entity. It also offers powerful
configuration options to adapt its workflows,
International file formats control and validation rules and best match your
SAP organization and needs.
EDIFACT
SEPA Corporate Suite also comes with a flexible
pricing model. It can be delivered in a Solution as
Oracle
a Service (SaaS) mode, or as a licensed software,
with a guaranteed reversibility between both
Additional file formats are added regularly.
modes.
Benefits
SEPA Corporate Suite
SEPA Corporate Suite gives access to SEPA benefits
instruments in 32 SEPA countries using existing
domestic workflows and formats. Using a
Easy adoption of SEPA
transactional solution such as SEPA Corporate instruments
Suite avoids implementing a new payment
Reduced impact on your IT systems and
scheme in your existing workflows and tools, business processes
minimizes your up-front investment and reduces
operational risks. Effortless migration of existing mandates
Atos Worldline removes all the complexity of Re-use of existing domestic collection
migrating your existing mandate database and formats
initiating SEPA transactions with your banks.
Atos Wordline facilitates a smooth and Short time-to-market
progressive migration towards XML payments.
Online signature and e-SEPA features will facilitate Security
online contracting and the development of new
Sensitive bank account data stored at
payment usages.
data centers with the highest security
Thanks to this, you can focus on streamlining certifications
your collection systems, grow your international
business and reap SEPA benefits more quickly. High-availability and redundant platforms
Return
Minimum up-front investment
Pay per use

Economies of scale due to centralization of

SEPA transactions Payment requests Push e-mail operations
Service de Editique
SEPA Corporate Suite
notifications
BANK r-transactions Cancellations and reversals
Push SMS
Company

SEPA transactions
Banks Web services GUI Web Gestion des Signature
mandats et électronique
r-transactions transactions
Fichiers Référentiel

Paper mandates Mandates creation / updates

Routage
Mandates copies Communication des Archivage
Pre-notifications bancaire e-mandats sécurisé

Migration notifications Secured Web GUI Web services

Debtors
Banque Validation
Créditeur service Plateforme
de déma-
térialisation

6 SEPA Corporate Suite SEPA Corporate Suite 7

About Atos
Atos is an international information technology services company with
annual 2011 pro forma revenue of EUR 8.5 billion and 74,000 employees
in 48 countries. Serving a global client base, it delivers hi-tech transactional
services, consulting and managed services. With its deep technology expertise
and industry knowledge, it works with clients across the following market sectors:
Manufacturing, Retail, Services; Public, Health & Transports; Financial Services;
Telecoms, Media & Technology; Energy & Utilities.

Atos is focused on business technology that powers progress and helps organizations
to create their firm of the future. It is the Worldwide Information Technology Partner
for the Olympic and Paralympics Games and is quoted on the Paris Eurolist Market.
Atos operates under the brands Atos, Atos Consulting & Technology Services,
Atos Worldline and Atos Worldgrid
For more information: atos.net.

About Atos Worldline

Atos Worldline brings together Atos core expertise in Hi-Tech Transactional
Services (HTTS) with 40 years of experience and recognized know-how in
the payment industry. A leader in end-to-end services for critical electronic
transactions, Atos Worldline is specialised in electronic payment services
(including issuing, acquiring, terminals, and card and non-card payment
solutions & processing), eServices for customers, citizens and communities
(eCS) as well as services for financial markets. Atos Worldline is committed to
continuous R&D and innovation so its customers can benefit from leading-edge
solutions to stay ahead of market evolutions. Atos Worldline generates
annual revenues of € 913 million and employs over 5,400 people in the world.
For more information, please visit: atosworldline.com.

Atos Worldline
River Ouest
80, quai Voltaire
95877 Bezons Cedex
Tel: +33 (0)1 34 34 98 62
E-mail: dircom-atosworldline@atos.net

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atosworldline.com (in the UK) and Atos WorldGrid are registered atosconsulting.nl trademarks of Atos SA. October 2012© 2012 Atos.