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Handling Non-EUR Payments in Business Central – Any Experience?

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We’re working with a customer operating in a Danish Business Central environment, where they’ve set up a Luxembourg-based company with EUR as the local currency (LCY).

Currently, they are using SEPA Credit Transfer (SEPA CT) as their bank import/export format to handle EUR payments through Banque Internationale à Luxembourg – a bank that is not supported by Continia Payment Management or Continia Banking.

The challenge now is that the customer wants to make payments in currencies other than EUR, which is not possible using SEPA CT, as this format only supports EUR transactions.

👉 Has anyone worked with similar setups and found a practical solution for handling multi-currency payments from Business Central – ideally without relying on Continia?

👉 What formats or approaches have you used to support non-EUR payments?

For reference, Microsoft’s documentation on SEPA CT can be found here:

https://learn.microsoft.com/en-us/dynamics365/business-central/finance-make-payments-with-bank-data-conversion-service-or-sepa-credit-transfer

All insights and experiences are greatly appreciated 🙏

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Dynamics 365 Business Central

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EO-15071029-0 127 on at

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Handling Non-EUR Payments in Business Central – Any Experience?

I have similar issue. Looking for alternatives of Continia Banking for USA, Spain, UK, Singapore, India localizations.

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YUN ZHU 93,317 Super User 2025 Season 2 on at

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Handling Non-EUR Payments in Business Central – Any Experience?

If the bank has a fixed format, it may be faster to customize a dedicated import and export feature.

Hope the following can give you some hints.

Dynamics 365 Business Central Blog Series: Import and Export data

https://yzhums.com/63762/

Thanks.

ZHU

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WI-15071017-0 8 on at

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Handling Non-EUR Payments in Business Central – Any Experience?

Hi @YUN ZHU,

Thanks so much for your helpful reply and for sharing the blog post – it’s a great starting point!

I’ve been exploring how others handle non-EUR payments in Business Central, especially when working with banks that support ISO 20022 formats. I understand that if the bank provides a fixed format, it’s possible to develop a custom import/export solution, but I was hoping to find something more standardized out-of-the-box.

From what I’ve gathered, Business Central does support SEPA Credit Transfer formats (based on ISO 20022), which is great. However, I’m curious if there’s broader support for (cross-border payments) non-SEPA ISO 20022 formats or if anyone has experience adapting the standard SEPA export to meet other banks’ requirements.

Would love to hear how others have approached this—whether through Data Exchange Definitions, custom XMLports, or if there are any localizations that offer extended support.

Thanks again for pointing me in the right direction!

Best regards,

Waseem Iqbal

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Jeffrey Bulanadi 8,433 on at

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Handling Non-EUR Payments in Business Central – Any Experience?

Hi,

SEPA Credit Transfer (SEPA CT) is limited to EUR transactions, and when working with banks outside Continia’s supported list, handling non-EUR payments requires alternative formats and setup.

Here’s what you can explore:

BC supports multi-currency processing natively. You can assign currency codes to vendors and bank accounts, and use payment journals to handle foreign currency transactions. However, the export format must match the bank’s requirements.

For non-EUR payments, you’ll need to set up a custom bank export protocol. This involves:

Creating a new Data Exchange Definition for the bank’s required format (e.g., MT101, ISO 20022 XML, or CSV)

Mapping fields like IBAN, SWIFT, currency code, and amount

Assigning the format to the bank account card in BC

If the bank supports non-EUR SEPA, you can follow the Belgium localization guide to configure it. This includes:

Clearing the SEPA Allowed field for non-EUR countries

Verifying the Currency Euro field in General Ledger Setup

Using the “File Non Euro SEPA Payments” action to generate the file

You can also use third-party tools like Zynk, Tinx, or custom middleware to generate bank files in the required format and push them to the bank via FTP or API.

If you want to avoid custom development, consider converting the payment journal to a bank-specific format using Excel or Power Automate, then manually upload it to the bank portal.

Helpful references:

How to File Non-Euro SEPA Payments – DOCS by BEYONDIT
Process Foreign Currency Payments – Microsoft Learn
Multi-Currency Processing in BC – EBS Blog
Enable Ledger Entries in Different Currencies – PUPUWEB

If you find this helpful, feel free to mark this as the suggested or verified answer.

Cheers
Jeffrey

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Jainam M. Kothari 12,148 Super User 2025 Season 2 on at

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Handling Non-EUR Payments in Business Central – Any Experience?

May this can help : https://learn.microsoft.com/en-us/dynamics365/business-central/banks-formats-faq

https://docs.beyond365.de/en-US/business-central/LocalFunctionality/Belgium/how-to-file-non-euro-sepa-payments.html

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Sohail Ahmed 11,095 Super User 2025 Season 2 on at

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Handling Non-EUR Payments in Business Central – Any Experience?

Yes, SEPA CT only supports EUR payments, so for multi-currency payments from a EUR-based company, you’ll need to switch to a different payment export format like Generic ISO20022 Credit Transfer or Payment Export with a custom data exchange definition.

You can also explore custom payment formats using the Data Exchange Framework if your bank provides specs. This lets you support non-EUR currencies without relying on Continia.

✅ Mark this answer as verified if it helps you.

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