Reverse a SEPA direct debit file to a SEPA direct credit file

German title: “Lastschriften in Überweisungen konvertieren”

We have had the situation that a SEPA direct debit was sent twice to the bank.

Now we need to credit our customers the amount again.

I did not find an open source script that reverses a direct debit, but I found https://github.com/AbcAeffchen/Sephpa which can write SEPA direct credit files.

Preparation on CentOS7:

yum install epel-release
yum install php-cli composer
composer require AbcAeffchen/Sephpa

Then get the index.php from below, modify the filename of the direct debit file, and the execution and creation date, and pipe the result:

php reverseSEPA.php > directcredit.xml

Here is the script:

	<?php
	require __DIR__ . '/vendor/autoload.php';
	use AbcAeffchen\Sephpa\SephpaCreditTransfer;
	$xmlstring = file_get_contents("201704.xml");
	$executiondate ='2017-05-08';
	$creationdate='2017-05-05:T00:38:44';
	$records = new SimpleXMLElement($xmlstring, LIBXML_NOCDATA);
	$creditTransferFile = new SephpaCreditTransfer($records->CstmrDrctDbtInitn->GrpHdr->InitgPty->Nm,
	$records->CstmrDrctDbtInitn->GrpHdr->MsgId."Reverse",
	SephpaCreditTransfer::SEPA_PAIN_001_002_03);
	$creditTransferCollection = $creditTransferFile->addCollection(array(
	// required information about the debtor
	'pmtInfId' => $records->CstmrDrctDbtInitn->GrpHdr->MsgId."Reverse", // ID of the payment collection
	'dbtr' => $records->CstmrDrctDbtInitn->PmtInf->Cdtr->Nm, // (max 70 characters)
	'iban' => $records->CstmrDrctDbtInitn->PmtInf->CdtrAcct->Id->IBAN,// IBAN of the Debtor
	'bic' => $records->CstmrDrctDbtInitn->PmtInf->CdtrAgt->FinInstnId->BIC, // BIC of the Debtor
	// optional
	'ccy' => 'EUR', // Currency. Default is 'EUR'
	'btchBookg' => 'true', // BatchBooking, only 'true' or 'false'
	//'ctgyPurp' => , // Category Purpose. Do not use this if you do not know how. For further information read the SEPA documentation
	'reqdExctnDt' => $executiondate, // Requested Execution Date: YYYY-MM-DD
	'ultmtDebtr' => $records->CstmrDrctDbtInitn->PmtInf->Cdtr->Nm // just an information, this do not affect the payment (max 70 characters)
	));
	foreach ($records->CstmrDrctDbtInitn->PmtInf->DrctDbtTxInf as $record) {
	$creditTransferCollection->addPayment(array(
	// needed information about the creditor
	'pmtId' => $record->PmtId->EndToEndId, // ID of the payment (EndToEndId)
	'instdAmt' => $record->InstdAmt, // amount,
	'iban' => $record->DbtrAcct->Id->IBAN,// IBAN of the Creditor
	'bic' => $record->DbtrAgt->FinInstnId->BIC, // BIC of the Creditor (only required for pain.001.002.03)
	'cdtr' => $record->Dbtr->Nm, // (max 70 characters)
	'ultmtCdtr' => $record->UltmtDbtr->Nm,
	'rmtInf' => "Gutschrift ".$record->RmtInf->Ustrd // unstructured information about the remittance (max 140 characters)
	));
	}
	$domDoc = new DOMDocument();
	$domDoc->formatOutput = true;
	$domDoc->loadXML($creditTransferFile->generateXml($creationdate));
	echo $domDoc->saveXML();
	?>

view raw reverseSEPA.php hosted with by GitHub