How To Fix CRM_CREDIT_CHECK002 - Payment guarantee by payment card or cash on delivery

SAP Error Message - Details

• Message type: E = Error

• Message class: CRM_CREDIT_CHECK - External Credit Check

• Message number: 002

• Message text: Payment guarantee by payment card or cash on delivery

Self-Explanatory Message

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Smart SAP Assistant

• What is the cause and solution for SAP error message CRM_CREDIT_CHECK002 - Payment guarantee by payment card or cash on delivery ?

  The SAP error message CRM_CREDIT_CHECK002 typically indicates that a payment guarantee is required for a transaction, specifically when using payment methods like credit cards or cash on delivery (COD). This error is part of the credit management functionality in SAP, which ensures that customers have sufficient credit to cover their orders.
  Cause:
  
  Credit Limit Exceeded: The customer’s credit limit has been exceeded, and the system is unable to process the order without a payment guarantee.
  Payment Method Configuration: The payment method used (e.g., credit card or COD) may not be properly configured to allow for the transaction.
  Customer Master Data: The customer master data may not have the necessary credit information or payment guarantees set up.
  Credit Management Settings: The credit management settings in the system may not be aligned with the business requirements, leading to this error.
  
  Solution:
  
  
  Check Customer Credit Limit:
  
  Review the customer’s credit limit in the customer master data (transaction code XD03 or VD03).
  If necessary, increase the credit limit or adjust the order amount to fall within the limit.
  
  
  
  Review Payment Method Configuration:
  
  Ensure that the payment method used is correctly configured in the system. Check the settings in the payment method configuration (transaction code OBPM1).
  Make sure that the payment method allows for the type of transaction being processed.
  
  
  
  Update Customer Master Data:
  
  Ensure that the customer master data includes the necessary payment guarantee information. This can include credit card details or other relevant payment information.
  If the customer is new or has recently changed their payment method, ensure that all relevant data is updated.
  
  
  
  Adjust Credit Management Settings:
  
  Review the credit management settings in the system (transaction code OB45 for credit control area settings).
  Ensure that the settings align with your business processes and that they allow for the required payment guarantees.
  
  
  
  Consult with Finance Team:
  
  If the issue persists, consult with your finance or credit management team to understand if there are any specific policies or procedures that need to be followed.
  
  
  
  Related Information:
  
  Transaction Codes:
  
  XD03 / VD03: Display Customer Master Data
  OBPM1: Payment Method Configuration
  OB45: Credit Control Area Settings
  
  
  SAP Notes: Check for any relevant SAP Notes that may address specific issues related to credit checks and payment guarantees.
  Documentation: Review SAP documentation on credit management and payment processing for further insights into configuration and troubleshooting.
  
  By following these steps, you should be able to resolve the CRM_CREDIT_CHECK002 error and ensure that transactions can be processed smoothly.