[IMP] accounting: update doc about Sepa Direct Debit batch payments (#670)

accounting/receivables/customer_payments/batch_sdd.rst

@@ -1,117 +1,146 @@
 =======================================
 Batch Payments: SEPA Direct Debit (SDD)
 =======================================
-SEPA, the Single Euro Payments Area, is a payment-integration 
-initiative of the European Union for simplification of bank transfers
-denominated in EURO. With **SEPA Direct Debit**, your customers can 
-sign a **mandate** that authorizes you to collect future payments 
-from their bank accounts automatically.
 
-You can record your customer mandates in Odoo, and generate XML 
+SEPA, the Single Euro Payments Area, is a payment-integration initiative of the European Union for
-files containing pending payments made with an SDD mandate.
+simplification of bank transfers denominated in EURO. With **SEPA Direct Debit**, your customers can
+sign a **mandate** that authorizes you to collect future payments from their bank accounts. This is
+particularly useful for recurring payments based on a subscription.
+
+You can record customer mandates in Odoo, and generate XML files containing pending payments made
+with an SDD mandate.
 
 .. note::
-   | SDD is supported by all SEPA countries, which includes the 28 member states of the European Union as well as additional countries. 
+   | SDD is supported by all SEPA countries, which includes the 27 member states of the European
-   | `List of all SEPA countries <https://www.europeanpaymentscouncil.eu/document-library/other/epc-list-sepa-scheme-countries>`_.
+     Union as well as additional countries.
+   | `List of all SEPA countries
+     <https://www.europeanpaymentscouncil.eu/document-library/other/epc-list-sepa-scheme-countries>`_.
 
 Configuration
 =============
-Go to :menuselection:`Accounting --> Configuration --> Settings` 
-nd activate the **SEPA Direct Debit (SDD)** feature. Enter the 
-**Creditor Identifier** of your company. This number is provided 
-by your bank, or the authority responsible for delivering them. 
 
-.. image:: media/batch_sdd01.png
+Go to :menuselection:`Accounting --> Configuration --> Settings`, activate **SEPA Direct Debit
+(SDD)** and click on *Save*. Enter your company's **Creditor Identifier**. This number is provided
+by your bank institution, or the authority responsible for delivering them.
+
+.. image:: media/batch-sdd-creditor-identifier.png
    :align: center
+   :alt: Add a SEPA Creditor Identifier to Odoo Accounting
 
 SEPA Direct Debit Mandates
 ==========================
+
 Create a mandate
 ----------------
-The SEPA Direct Debit Mandate is the document that your customers 
-sign to authorize you to collect money directly from their bank accounts.
 
-To create a new one, go to :menuselection:`Accounting --> Customers 
+The SEPA Direct Debit Mandate is the document that your customers sign to authorize you to collect
---> Direct Debit Mandates`, click on *Create*, and fill out the 
+money directly from their bank accounts.
-new mandate’s form. 
 
-.. image:: media/batch_sdd02.png
+To create a new mandate, go to :menuselection:`Accounting --> Customers --> Direct Debit Mandates`,
+click on *Create*, and fill out the form.
+
+.. image:: media/batch-sdd-mandate-form.png
    :align: center
+   :alt: Fill out SEPA Direct Debit in Odoo Accounting
 
-First, export the PDF file by clicking on *Print*. 
+Export the PDF file by clicking on *Print*. It is then up to your customer to sign this document.
-It is then up to your customer to sign this document. 
+Once done, upload the signed file in the **Original Document** field, and click on *Validate* to
-Once done, upload the signed file in the **Original Document** 
+start running the mandate.
-field, and click on *Validate* to start running the mandate.
 
-.. tip:: 
+.. important::
-   First, make sure, that the **IBAN bank accounts details** 
+   Make sure that the **IBAN bank accounts details** are correctly recorded on the debtor’s contact
-   are correctly recorded on the debtor’s contact form, under 
+   form, under the *Accounting* tab, and in your own :doc:`Bank Account
-   the *Accounting* tab, and in your own *Bank Account* settings.
+   <../../bank/setup/bank_accounts>` settings.
+
+SEPA Direct Debit as a Payment Method
+-------------------------------------
+
+SEPA Direct Debit can be used as a payment method both on your **eCommerce** or on the **Customer
+Portal** by activating SDD as a **Payment Acquirer**. With this method, your customers can create
+and sign their mandates themselves.
+
+To do so, go to :menuselection:`Accounting --> Configuration --> Payment Acquirers`, click on *SEPA
+Direct Debit*, and set it up according to your needs.
+
+.. important::
+   Make sure to change the **State** field to *Enabled*, and to check **Online Signature**, as this
+   is necessary to let your customers sign their mandates.
+
+Customers using SDD as payment method get prompted to add their IBAN, email address, and to sign
+their SEPA Direct Debit mandate.
+
+.. todo::
+   Add link to future **Payment Acquirer** documentation.
 
 Close or revoke a mandate 
 -------------------------
-Direct Debit mandates are closed automatically after their *End Date*. 
-If this field is left blank, then the mandate keeps being *Active* 
-until it is *Closed* or *Revoked*.
 
-.. image:: media/batch_sdd03.png
+Direct Debit mandates are closed automatically after their *End Date*. If this field is left blank,
+the mandate keeps being *Active* until it is *Closed* or *Revoked*.
+
+.. image:: media/batch-sdd-revoke-close.png
    :align: center
+   :alt: Close or Revoke an SDD Mandate in Odoo Accounting
 
-Clicking on **Close** updates the mandate’s end day to the current day. 
+Clicking on **Close** updates the mandate’s end day to the current day. This means that invoices
-This means that invoices made after the present day won’t be processed 
+issued after the present day will not be processed with an SDD payment.
-automatically with an SDD payment.
 
-Clicking on **Revoke** disables the mandate immediately. No SDD 
+Clicking on **Revoke** disables the mandate immediately. No SDD payment can be registered anymore,
-payment can be registered anymore, regardless of the invoice’s date. 
+regardless of the invoice’s date. However, payments that have already been registered are still
-However, payments that have already been registered will still be 
+included in the next SDD XML file.
-included to the next SDD XML file.
 
-.. note::
+.. warning::
-   Once a mandate has been *closed* or *revoked*, it cannot be reactivated. 
+   Once a mandate has been *closed* or *revoked*, it cannot be reactivated.
-   If a customer requires to pay with SDD payments again, you will have 
-   to create a new mandate from scratch.
 
 Get paid with SDD Batch Payments
 ================================
+
 Customer Invoices 
 -----------------
-All new posted invoice issued to customers with an active mandate 
-will automatically register payment and have their status marked as *Paid*.
 
-.. tip:: 
+You can register SDD payments for invoices issued to customers who have an active SDD mandate.
-   If you have unpaid invoices that could be paid with a new mandate, 
+
-   it is still possible to do it. Go on the invoice, click on *Register Payment* 
+To do so, open the invoice, click on *Register Payment*, and choose *SEPA Direct Debit* as payment
-   and choose *SEPA Direct Debit* as payment method.
+method.
+
+.. note::
+   In previous versions, Odoo used SDD payment as the default payment for all customers with an
+   active mandate. Your customers can still activate automatic SDD for their subscriptions with a
+   recurring payment.
 
 Generate SEPA Direct Debit XML files to submit payments
 -------------------------------------------------------
-To submit your SDD payments to your bank, you will first generate an 
-**XML file** that can be uploaded directly to your bank interface.
 
-The files generated by Odoo follow the SEPA Direct Debit **PAIN.008.001.02** 
+**XML files** with all SDD payment instructions can be uploaded to your online banking interface to
-specifications as required by the SEPA customer-to-bank Implementation Guidelines, 
+process all payments at once.
-which ensures compatibility with the banks.
 
-To generate your XML file for the pending SDD payments, go to the related 
+.. note::
-*bank journal* on your *Accounting dashboard*, then click on 
+   The files generated by Odoo follow the SEPA Direct Debit **PAIN.008.001.02** specifications, as
-*Direct Debit Payments to Collect*.
+   required by the SEPA customer-to-bank Implementation Guidelines, which ensures compatibility with
+   the banks.
 
-.. image:: media/batch_sdd04.png
+To generate your XML file for the pending SDD payments, go to the related *bank journal* on your
+*Accounting dashboard*, then click on *Direct Debit Payments to Collect*.
+
+.. image:: media/batch-sdd-collect.png
    :align: center
+   :alt: Start the SDD payments collection in Odoo Accounting
 
-Select all the payments in the list that you want to include in 
+Select all the payments you want to include in your SDD XML file, then click on *Action* and select
-your SDD XML file, then click on *Action* and select *Create Batch Payment*.
+*Create Batch Payment*.
 
-.. image:: media/batch_sdd05.png
+.. image:: media/batch-sdd-batch.png
    :align: center
+   :alt: Create a batch payment with all the SDD payments in Odoo Accounting
 
-Odoo then takes you to your *Batch Payment*’s form. Click on *Validate* 
+Odoo then takes you to your *Batch Payment*’s form. Click on *Validate* and download the SDD XML
-and then download the SDD XML file.
+file.
 
-.. image:: media/batch_sdd06.png
+.. image:: media/batch-sdd-xml.png
    :align: center
+   :alt: Generate an XML file for your SDD payments in Odoo Accounting
 
-Finally, upload this file to your bank to process the payments.
+Finally, upload this file to your online banking interface to process the payments.
 
 .. tip::
    You can retrieve all the generated SDD XML files by going to
@@ -120,8 +149,5 @@ Finally, upload this file to your bank to process the payments.
 .. seealso::
    * :doc:`../../bank/setup/bank_accounts`
    * `Odoo Academy: SEPA Direct Debit Mandates (SDD) <https://www.odoo.com/r/Zxs>`_
-   * `List of all SEPA countries <https://www.europeanpaymentscouncil.eu/document-library/other/epc-list-sepa-scheme-countries>`_.
+   * `List of all SEPA countries
-
+     <https://www.europeanpaymentscouncil.eu/document-library/other/epc-list-sepa-scheme-countries>`_
-
-
-