Cash Management Process Map

Financial Operations:
With Accounts Receivable, you manage open receivables invoices that are automatically created from sales processes. Several analytical tools are available to monitor the receivables, allowing you to react quickly if you discover a declining payment discipline among your customers. You can easily create dunning letters for overdue positions and follow the dunning history of your customers.
Receivables Management covers automation with the following various aspects:
- The entire order to cash process benefits from automated processes, such as automated dispute processing
- Embedded analytical apps allow easy access to relevant key figures across the entire process chain
- Additional cloud-based SCP extensions allow to flexibly react to changed business needs and quickly scale up or down according to the individual needs
The digital economy is putting pressure on finance departments around the globe. Enterprises have realized that finance transformation will help drive innovation and manage this volatility.
Digital Payment - Sales Benefits

SAP digital payments add-on is a cloud service that allows companies to process incoming credit card and other real-time payment methods in a secure and efficient way. This helps to significantly reduce cash reconciliation efforts for all companies running any variant of SAP order/sale-to-cash processes (B2B, B2C, POS, web shops, and so on) who need to offer their customers flexibility and access to multiple digital payment methods.

Why should your company invest in integrating digital payment methods with SAP digital payments?
- Automation - Spend less time doing the manual reconciliation regarding digital payment methods and make use of automated splitting and posting of fees and taxes.
- Compliance - Keep sensitive payment method data out of your system with the tokenization approach.
- Integration - SAP digital payments is aligned with SAP roadmaps and integrated into your business process flows.
- Reduce TCO - It is future-proof. As new methods mature, SAP will integrate them. As formats change, SAP will do the operational updates. This is a SaaS product with no additional hardware, maintenance, or operations costs.
Digital Payments - Sales Key Processes

The main process flows covered by the Digital Payment - Sales process can be described as follows.
Using credit card data maintained in business partner in sales document:
- Add and register credit card data in Business Partner
- Assign customer payment guarantee procedure
- Check credit card data in sales documents
- Release sales documents with payment card
- Proceed with all succeeding steps of related scope items (such as BD9) until billing document is created
- Check credit card data in billing document
Using one-time credit card data in sales document:
- Check credit card data in sales documents
- Release sales documents with payment card
- Check credit card data in billing document
Using PayPal as PSP in sales documents:
- Process sales documents with successful authorization
- Process sales documents with unsuccessful authorization
Security Standards

The SAP digital payments add-on is compliant according to the Payment Card Industry Data Security Standard (PCI DSS).
There will be no storage or processing of credit card numbers in the consumer application, such as SAP S/4HANA Cloud, or via the SAP digital payments add-on.
- Only PCI DSS-certified external partners (Payment Service Providers) process and store the original card data
- Credit card number is replaced by the PSP with a token
- The token is the only identification that is processed and stored in the SAP software
Link to PCI DSS Attestation of Compliance and SAP Trust Center for more details.