How To Fix SD_SEPA012 - Combination of payment card and payment term not valid for SEPA

SD_SEPA012 - Overview

• Message type: E = Error

• Message class: SD_SEPA - SD SEPA Message Class

• Message number: 012

• Message text: Combination of payment card and payment term not valid for SEPA

What causes this issue?

The payment term / payment method <ZK>SEPA</> does not allow payment
using a payment card.

System Response

The system cannot process the quotation, the sales order, or the
contract.

How to fix this error?

Change your settings as follows:
If you want to use payment term / payment method <ZK>SEPA</>, delete the
entries in the <LS>Payment Card</> and <LS>Valid To</> fields.
If you want to use payment with payment card, proceed as follows:
1. Delete the entry in the <LS>Mandate Reference</> field.
2. Choose a payment term / payment method that is not relevant for SEPA.

Procedure for System Administrators

The system issues an error message and will not allow you to continue with this transaction until the error is resolved.

Error message extract from SAP system. Copyright SAP SE.

Smart SAP Assistant

• What is the cause and solution for SAP error message SD_SEPA012 - Combination of payment card and payment term not valid for SEPA ?

  The SAP error message SD_SEPA012 indicates that there is an issue with the combination of the payment card and payment term in the context of SEPA (Single Euro Payments Area) transactions. This error typically arises when the system detects that the payment method or card type being used is not compatible with the specified payment terms for SEPA transactions.
  
  Cause:
  
  Incompatible Payment Method: The payment card type (e.g., credit card, debit card) may not be allowed for the selected payment term.
  
  Configuration Issues: The payment terms may not be properly configured in the SAP system to support the selected payment method.
  Missing Master Data: The customer master data or payment method configuration may be incomplete or incorrect.
  Regulatory Compliance: Certain payment methods may not comply with SEPA regulations, leading to this error.
  
  
  Solution:
  
  
  Check Payment Method Configuration:
  
  Go to the configuration settings for payment methods in SAP (Transaction code: SPRO).
  Ensure that the payment method is correctly configured to