[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$f9YuP9cSkXlVvcQ1AE0mc-86yG7aDLjtNi3BIS3IKMHg":3,"$fG91H0FDD3CAFuK-YOL8kl5neaXL1I49nQHChF_QgrjE":14},{"slug":4,"locale":5,"title":6,"section":7,"orderIndex":8,"blocks":9,"seoTitle":7,"seoDescription":7,"updatedAt":13},"42-sepa","de","42 — SEPA-XML-Export",null,42,[10],{"type":11,"value":12},"markdown","# 42 — SEPA-XML-Export\n\nPartnerDesk kann alle freigegebenen Auszahlungen als **pain.001.001.03-konforme** SEPA-Datei exportieren. Diese laden Sie in Ihr Online-Banking → eine Sammelüberweisung erledigt alle Auszahlungen in einem Schritt.\n\n## Wann sinnvoll?\n\n- Sie wollen monatlich\u002Fquartalsweise alle Partner per Banküberweisung auszahlen.\n- Sie haben keine Stripe-Connect-Integration (siehe **[43](43-stripe-connect.md)**).\n- Sie wollen Bulk-Auszahlungen ohne manuelles Einzeln-Klicken.\n\n## Workflow\n\n### 1. Approved-Payouts vorbereiten\n\nAlle Payouts, die ausgezahlt werden sollen, müssen Status **`approved`** haben (siehe **[40](40-auszahlungen.md)**).\n\n### 2. SEPA-Export auslösen\n\nAdmin → **„Auszahlungen\"** → **„SEPA-XML exportieren\"**. PartnerDesk:\n\n- Sammelt alle Payouts mit Status `approved` (über alle Partner).\n- Bündelt sie in eine einzelne pain.001-Datei.\n- Triggert Download.\n\n### 3. Datei ins Online-Banking laden\n\nLogin bei der Tenant-eigenen Bank → SEPA-Sammelüberweisung-Funktion → Datei hochladen → Freigabe (i. d. R. mit TAN).\n\n### 4. Nach Bestätigung der Bank\n\nAdmin markiert die einzelnen Payouts in PartnerDesk als **`paid`** mit Bankreferenz. Optional automatisch via easybill\u002Flexoffice-Webhook (siehe **[44](44-buchhaltung-sync.md)**), falls die Banküberweisung darüber abgewickelt wird.\n\n## Inhalt der SEPA-Datei\n\nDie Datei enthält pro Payout:\n\n| Element | Inhalt |\n|---------|--------|\n| **EndToEndId** | Die PartnerDesk-Payout-Nummer (für spätere Rückverfolgung) |\n| **InstdAmt** | Brutto-Betrag mit Währung |\n| **Cdtr (Empfänger)** | Partner-Name aus Stammdaten oder Bank-Account-Holder |\n| **CdtrAcct\u002FIBAN** | Partner-IBAN |\n| **CdtrAgt\u002FBIC** | Partner-BIC |\n| **RmtInf\u002FUstrd** | Verwendungszweck: „Gutschrift {payoutNumber}\" |\n\n**Header**:\n- `MsgId` — eindeutige Datei-ID.\n- `CreDtTm` — Erstellungszeit.\n- `NbOfTxs` — Anzahl Überweisungen.\n- `CtrlSum` — Summe aller Beträge.\n\n**Debtor (Sie als Tenant)**: Aus den Tenant-Legal-Settings (Firmenname, IBAN, BIC).\n\n## Voraussetzungen pro Partner\n\nDamit ein Partner im SEPA-Export erscheint, muss er haben:\n\n- `preferredPayoutMethod=bank` (nicht PayPal).\n- IBAN gefüllt.\n- BIC gefüllt (optional, aber empfohlen).\n- Account-Holder (oder Vor-\u002FNachname fallback).\n\nPartner ohne diese Daten werden vom Export ausgeschlossen — Sie müssen sie manuell (oder via PayPal\u002FStripe Connect) auszahlen.\n\n## Voraussetzungen für Sie als Tenant\n\nIn den **Legal-Settings** (siehe **[94](94-legal.md)**):\n\n- **Firmenname** als Auftraggeber.\n- **IBAN** des Auftraggebers (Tenant-Bankkonto).\n- **BIC** des Auftraggebers.\n\nOhne diese drei Felder schlägt der Export fehl.\n\n## Execution Date\n\nDie SEPA-Datei nennt ein Ausführungs-Datum (`ReqdExctnDt`). PartnerDesk setzt dieses standardmäßig auf **`heute + 2 Tage`** — typischer DTAUS\u002FSEPA-Vorlauf. Wenn die Bank ein anderes Datum akzeptiert, können Sie es vor dem Upload manuell ändern.\n\n## Tipps\n\n- **Pro Bank funktioniert die Sammelüberweisung etwas anders** — manche akzeptieren die Datei nur, wenn der `MsgId` strikt eindeutig ist. PartnerDesk garantiert das (Timestamp + Zufalls-Hex).\n- **Nicht-EU-Partner** brauchen einen anderen Workflow (SWIFT statt SEPA). PartnerDesk bietet aktuell nur SEPA — bei Bedarf nutzen Sie für diese Partner Stripe Connect oder PayPal.\n- **Bei Großvolumen**: manche Banken haben Tageslimits. Im Zweifel mehrere kleinere SEPA-Dateien statt einer riesigen.\n\n## Verwandte Kapitel\n\n- **[40 — Auszahlungs-Workflow](40-auszahlungen.md)**\n- **[43 — Stripe Connect](43-stripe-connect.md)** (Alternative)\n- **[94 — Legal-Pages](94-legal.md)** (Stammdaten für Debtor)\n\n---\n\n**Technische Tiefen-Doku**: [`..\u002F001-initial-setup.md`](..\u002F001-initial-setup.md) (PayoutService.generateSepaXml)\n","2026-06-01T21:39:08+02:00",{"data":15},[16,20,24,28,32,36,40,44,48,52,56,60,64,68,72,76,80,84,88,92,96,100,104,108,112,116,120,124,128,129,133,137,141,145,149,153,157,161,165,169,173,177,181,185,189,193,197,201,205,209,213,217,221,225,229,233,237,241,245,249,253,257,261,265,269],{"slug":17,"locale":5,"title":18,"section":7,"orderIndex":19},"01-ueberblick","01 — Kurzüberblick & Architektur",1,{"slug":21,"locale":5,"title":22,"section":7,"orderIndex":23},"02-schnellstart","02 — Schnellstart für neue Tenants",2,{"slug":25,"locale":5,"title":26,"section":7,"orderIndex":27},"03-rollen","03 — Rollen & Berechtigungen",3,{"slug":29,"locale":5,"title":30,"section":7,"orderIndex":31},"10-kampagnen","10 — Kampagnen verwalten",10,{"slug":33,"locale":5,"title":34,"section":7,"orderIndex":35},"11-provisionen","11 — Provisionsmodelle (Tiers & Gruppen)",11,{"slug":37,"locale":5,"title":38,"section":7,"orderIndex":39},"12-mlm","12 — MLM-Struktur & Downline",12,{"slug":41,"locale":5,"title":42,"section":7,"orderIndex":43},"13-bonus","13 — Bonusprogramme",13,{"slug":45,"locale":5,"title":46,"section":7,"orderIndex":47},"14-holdback-reserve","14 — Reifezeit & Reserve (Schutz vor Rückbuchungen)",14,{"slug":49,"locale":5,"title":50,"section":7,"orderIndex":51},"15-programm-bewertungen","15 — Programm-Bewertungen im Marktplatz",15,{"slug":53,"locale":5,"title":54,"section":7,"orderIndex":55},"16-externe-bewertungen","16 — Externe Bewertungen verbinden (Anbieter)",16,{"slug":57,"locale":5,"title":58,"section":7,"orderIndex":59},"17-joint-venture-partner","17 — Joint-Venture-Partner",17,{"slug":61,"locale":5,"title":62,"section":7,"orderIndex":63},"18-vertriebsmitarbeiter","18 — Vertriebsmitarbeiter (VM)",18,{"slug":65,"locale":5,"title":66,"section":7,"orderIndex":67},"19-profitabilitaet","19 — Profitabilität einer Kampagne",19,{"slug":69,"locale":5,"title":70,"section":7,"orderIndex":71},"20-partner-anlegen","20 — Partner anlegen",20,{"slug":73,"locale":5,"title":74,"section":7,"orderIndex":75},"21-partner-status","21 — Partner-Status & Lifecycle",21,{"slug":77,"locale":5,"title":78,"section":7,"orderIndex":79},"22-partner-profile","22 — Partner-Profile & Stammdaten",22,{"slug":81,"locale":5,"title":82,"section":7,"orderIndex":83},"23-customers","23 — Customers (Endkunden)",23,{"slug":85,"locale":5,"title":86,"section":7,"orderIndex":87},"24-partner-merge","24 — Doppelte Partner zusammenführen",24,{"slug":89,"locale":5,"title":90,"section":7,"orderIndex":91},"30-webhooks","30 — Webhook-Übersicht",30,{"slug":93,"locale":5,"title":94,"section":7,"orderIndex":95},"31-stripe","31 — Stripe-Integration",31,{"slug":97,"locale":5,"title":98,"section":7,"orderIndex":99},"32-digistore24","32 — Digistore24-Integration",32,{"slug":101,"locale":5,"title":102,"section":7,"orderIndex":103},"33-copecart","33 — CopeCart-Integration",33,{"slug":105,"locale":5,"title":106,"section":7,"orderIndex":107},"34-ablefy","34 — Ablefy-Integration (vormals elopage)",34,{"slug":109,"locale":5,"title":110,"section":7,"orderIndex":111},"35-easybill","35 — easybill-Integration",35,{"slug":113,"locale":5,"title":114,"section":7,"orderIndex":115},"36-lexoffice","36 — lexoffice-Integration",36,{"slug":117,"locale":5,"title":118,"section":7,"orderIndex":119},"37-custom-webhook","37 — Custom Webhook (Zapier, Make, n8n, eigene Systeme)",37,{"slug":121,"locale":5,"title":122,"section":7,"orderIndex":123},"40-auszahlungen","40 — Auszahlungs-Workflow",40,{"slug":125,"locale":5,"title":126,"section":7,"orderIndex":127},"41-gutschriften","41 — Gutschriften (§14 UStG)",41,{"slug":4,"locale":5,"title":6,"section":7,"orderIndex":8},{"slug":130,"locale":5,"title":131,"section":7,"orderIndex":132},"43-stripe-connect","43 — Stripe Connect (Express-Auszahlungen)",43,{"slug":134,"locale":5,"title":135,"section":7,"orderIndex":136},"44-buchhaltung-sync","44 — Externe Buchhaltung-Sync (easybill \u002F lexoffice)",44,{"slug":138,"locale":5,"title":139,"section":7,"orderIndex":140},"50-tracking","50 — Tracking-Cookie & Klick-Erfassung",50,{"slug":142,"locale":5,"title":143,"section":7,"orderIndex":144},"51-attribution","51 — Attribution-Modelle",51,{"slug":146,"locale":5,"title":147,"section":7,"orderIndex":148},"52-utm-subid","52 — UTM, Sub-IDs & Fingerprint",52,{"slug":150,"locale":5,"title":151,"section":7,"orderIndex":152},"53-werbemittel","53 — Werbemittel: Banner & Coupons",53,{"slug":154,"locale":5,"title":155,"section":7,"orderIndex":156},"54-links-landingpages","54 — Short-Links & Landing-Pages",54,{"slug":158,"locale":5,"title":159,"section":7,"orderIndex":160},"60-marketing-site","60 — Marketing-Site (Apex-Domain)",60,{"slug":162,"locale":5,"title":163,"section":7,"orderIndex":164},"61-popup-widget","61 — Popup-Widget für Tenant-Sites",61,{"slug":166,"locale":5,"title":167,"section":7,"orderIndex":168},"62-cross-promotion","62 — PartnerDesk Cross-Promotion (PartnerDesk empfehlen)",62,{"slug":170,"locale":5,"title":171,"section":7,"orderIndex":172},"63-lead-aff","63 — Lead-Affiliate-Programm (Partner werben Partner)",63,{"slug":174,"locale":5,"title":175,"section":7,"orderIndex":176},"70-notifications","70 — Notification-System",70,{"slug":178,"locale":5,"title":179,"section":7,"orderIndex":180},"71-email-whitelabel","71 — Email-Whitelabel",71,{"slug":182,"locale":5,"title":183,"section":7,"orderIndex":184},"72-email-templates","72 — Email-Templates",72,{"slug":186,"locale":5,"title":187,"section":7,"orderIndex":188},"73-lifecycle-mails","73 — Lifecycle-Mails",73,{"slug":190,"locale":5,"title":191,"section":7,"orderIndex":192},"80-akademie","80 — Akademie: Kurse & Lektionen",80,{"slug":194,"locale":5,"title":195,"section":7,"orderIndex":196},"81-quiz","81 — Quiz-System",81,{"slug":198,"locale":5,"title":199,"section":7,"orderIndex":200},"82-zertifikate","82 — Zertifikate nach Kurs-Komplettierung",82,{"slug":202,"locale":5,"title":203,"section":7,"orderIndex":204},"90-2fa","90 — Two-Factor-Authentication (2FA)",90,{"slug":206,"locale":5,"title":207,"section":7,"orderIndex":208},"91-rate-limiting","91 — Rate-Limiting",91,{"slug":210,"locale":5,"title":211,"section":7,"orderIndex":212},"92-audit-log","92 — Audit-Log",92,{"slug":214,"locale":5,"title":215,"section":7,"orderIndex":216},"93-dsgvo","93 — DSGVO-Tools",93,{"slug":218,"locale":5,"title":219,"section":7,"orderIndex":220},"94-legal","94 — Legal-Pages",94,{"slug":222,"locale":5,"title":223,"section":7,"orderIndex":224},"95-cookie-consent","95 — Cookie-Consent",95,{"slug":226,"locale":5,"title":227,"section":7,"orderIndex":228},"100-billing-plaene","100 — Stripe-Billing-Pläne",100,{"slug":230,"locale":5,"title":231,"section":7,"orderIndex":232},"101-trial","101 — Trial & Subscription-Status",101,{"slug":234,"locale":5,"title":235,"section":7,"orderIndex":236},"102-customer-portal","102 — Stripe Customer-Portal",102,{"slug":238,"locale":5,"title":239,"section":7,"orderIndex":240},"110-superadmin","110 — Plattform-Admin (Superadmin)",110,{"slug":242,"locale":5,"title":243,"section":7,"orderIndex":244},"111-health","111 — Health-Endpoints",111,{"slug":246,"locale":5,"title":247,"section":7,"orderIndex":248},"112-webhook-event-log","112 — Webhook-Event-Log",112,{"slug":250,"locale":5,"title":251,"section":7,"orderIndex":252},"113-failed-messages","113 — Failed-Messages",113,{"slug":254,"locale":5,"title":255,"section":7,"orderIndex":256},"120-pwa-partner","120 — PWA Partner-Portal",120,{"slug":258,"locale":5,"title":259,"section":7,"orderIndex":260},"121-cross-tenant-hub","121 — Cross-Tenant-Hub",121,{"slug":262,"locale":5,"title":263,"section":7,"orderIndex":264},"130-public-api","130 — Public-API (für Tenant-Integratoren)",130,{"slug":266,"locale":5,"title":267,"section":7,"orderIndex":268},"131-outgoing-webhooks","131 — Outgoing-Webhooks",131,{"slug":270,"locale":5,"title":271,"section":7,"orderIndex":272},"132-exports","132 — Datenexporte (CSV, PDF-Report)",132]