This page explains how to keep the supplier's bank details so that the bank accepts your payments and the money does not go to the wrong bank account.

The supplier's main bank details are on the supplier card, on the Supplier tab, in the BANK section. When you select the supplier on a purchase invoice or payment, Directo takes the bank details from here.

Fill in at least:

• Bank account/IBAN – the supplier's bank account.
• Bank Code – select the bank from the bank register. Directo fills in the Bank Name and SWIFT fields automatically.
• Payee's name in the bank – the supplier's name as it is registered at the bank.
• Pay Term – the payment term for the supplier's invoices.

If you tick e-invoice import prefers data above, Directo takes the bank details and payment term from the supplier card, not from the e-invoice, when it creates a purchase invoice from an e-invoice.

If the supplier has several bank accounts, add them on the Bank accounts tab of the supplier card.

You can select a bank account in the Bank account/IBAN field on the purchase invoice, purchase order, payment and bank statement. The list shows both the accounts on the Bank accounts tab and the account in the BANK section. On the purchase invoice and purchase order, Directo only offers accounts that match the payment term class of the document. When you select a bank account on the purchase invoice, Directo also adds the bank code.

Invoice fraud has become much more common in recent years. A typical fraud is an invoice or e-mail asking you to pay the supplier to a new bank account. Directo has settings that help reduce the risk of paying a purchase invoice to the wrong bank account.

1. Enter the supplier's correct IBAN on the supplier card.
2. Open the user or user group rights, select the Other tab and set the Bank account/IBAN change right to Forbidden.

Now users cannot change the supplier's IBAN, either by accident or on purpose. The field is locked both in the BANK section and on the Bank accounts tab.

Turn on the setting System settings → Purchase ledger settings → Purchase invoice checks the supplier's bank account/IBAN.

• No – Directo does not check the IBAN on the purchase invoice.
• Yes – if the purchase invoice has a different IBAN than the supplier card, the Bank account/IBAN field on the purchase invoice turns red and the purchase invoice cannot be confirmed.

This is where you detect possible fraud. If the purchase invoice cannot be confirmed, check with the supplier whether their bank account has really changed.

If the Bank account/IBAN change right is set to Forbidden in the user or user group rights, you cannot change the bank account on the payment because the field is locked. You can change the payee's name in the bank.

In addition, banks themselves check whether the payee's name and the account match. If something goes unnoticed in Directo, the bank adds another layer of protection.

Fraudulent invoices often come from a new supplier. Turn on the setting System settings → Purchase ledger settings → New supplier warning on purchase invoice.

• No – Directo does not show a warning.
• Yes – on the supplier's first purchase invoice, Directo shows the warning “No purchase invoices have been received from this supplier before. Please check that the supplier details are correct”.