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

SAP Error Message - Details

• 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 be used with SEPA transactions.
  
  
  
  Review Payment Terms:
  
  Verify the payment terms assigned to the customer or transaction.
  Ensure that the payment terms are compatible with the payment method being used.
  
  
  
  Update Customer Master Data:
  
  Check the customer master data (Transaction code: XD02 for general data or FD02 for company code data).
  Ensure that the payment method and payment terms are correctly assigned to the customer.
  
  
  
  Consult Documentation:
  
  Review SAP documentation or help resources for specific guidelines on SEPA payment processing and supported payment methods.
  
  
  
  Test with Different Combinations:
  
  If possible, test the transaction with different combinations of payment methods and payment terms to identify a valid combination.
  
  
  
  Contact SAP Support:
  
  If the issue persists after checking the configurations, consider reaching out to SAP support for further assistance.
  
  
  
  Related Information:
  
  SEPA Compliance: Ensure that your organization is compliant with SEPA regulations, which may affect the types of payment methods that can be used.
  SAP Notes: Check for any relevant SAP Notes that may address this specific error or provide updates to the payment processing functionality.
  User Training: Ensure that users involved in payment processing are trained on the correct procedures and configurations for SEPA transactions.
  
  By following these steps, you should be able to resolve the SD_SEPA012 error and ensure that your payment processing is compliant with SEPA requirements.