Payment Transaction Processing with vdb/PPM.

Payment Processing and Management

Efficient, modular and Customizable.

The Payment Processing and Management (PPM) solution from vdb is the central solution for receiving, converting, validating, correcting, matching and forwarding all the payment transactions. It is the link between different systems and participants involved in payment transactions and convinces with its high configurability, modular structure and maximum efficiency. Clients are satisfied with the simple input, transparent workflow and many additional functions.

Many well-known banks in Germany are using vdb/PPM for decades. They appreciate the flexible adaptability and almost proverbial reliability of the payment processing and management solution.

PPM by vdb

Overview of the vdb/PPM functions:

van den Berg offers the solution (vdb/PPM) both as a Software-as-a-Service (SaaS) in the vdb/Service Bureau operation and as an on-premise model in-house operation of the respective institute.

  • Creation of posting and clearing postings
  • Processing of domestic and foreign payments in one system
  • Processing of single and bulk payments on one platform
  • Conversion of different payments formats
  • Standardized operation and user interface
  • Department and role concept
  • Multi-client and multi-user capability

Basic functionalities


  • Manual input
  • Paper-based submission (vdb/SL)
  • Online submission via EBICS
  • Import from the booking system


The following checks are carried out during the import:

  • Format checks
  • Check digit verification of the account number and IBAN
  • Existence of bank code number and BIC
  • Examination of the corresponding text key
  • Blocks

In the case of a negative test result, an automatic return can be initiated depending on the configuration.


There is a reconciliation between the documents (bank statements, payment receipts) and the entries on the bank accounts.


The audit requirements regarding the 4-eye or 6-eye principle are respected. All activities are logged and archived on individual transaction level.

Disposition (optional)

Entries initiated by the originator of the transfer that match a certain criterion can be stopped in this workflow step. As long as this entry has not been approved, the associated entries will not be processed further.


The routing can be determined in consideration of the following criteria:

  • Booking system
  • Payment amount
  • Account number or IBAN of the creditor/debtor
  • Bank account number or BIC of the creditor/debtor
  • Account number or IBAN of the initiator/creditor
  • Bank account number or IBAN of the initiator/creditor
  • Text key


Output interfaces are available in the direction of:

  • Customer
  • Core banking system
  • Clearing Mechanism system (Bundesbank and EBA)
  • Correspondent banks
  • Archive

The following formats are supported:

  • SEPA formats (pacs and pain)
  • NP format
  • IP format (international payment)
  • Diverse “NPF dialects”
  • SWIFT formats (for example MT103 and MT202)
  • CSV format
  • Proprietary formats (POF, WINGS, etc.)
  • BAPI


Processed payment orders are getting stored in the payment archive. With the help of a search function of the short-term archive, the payment history can be displayed. For the purpose of long-term archiving, the data is stored in the long-term archive.


Additional functionalities

Embargo and Completeness Check

These tests can be performed based on predefined criteria (for example receiver and transmitter country):

  • Check against the EU embargo name list
  • Check against the US embargo name list
  • Check against customer specified name lists
  • Check on the basis of the country list
  • Completeness check of the customer data
  • Matching beneficiary account numbers

In case of abnormality, a workflow will be provided which ensures that the payments can only be authorized after approval and compliance (if necessary, in consideration of the 4-eyes or 6-eyes principle).


Standing Order Management

Standing Order Management is available for the following formats:

  • SEPA

Daily Closing and Archives

As part of the daily closing, the processed payments are transferred to the archive. Starting from a transaction, all audit-related information is also archived (information which employees have processed the files, information regarding amendments, etc.). Along with the information about individual transactions, the import and output files are archived. In the case of complex payment orders such as DTAZV all relevant payment items are archived and searchable.

The archive is the basis for comprehensive reports such as the payment statistics.

Additional ISE functionalities

It is possible to perform a matching between the settlement rates (NP format) and the input and output images as a part of the ISE-processing.

Customized Processing

Customized adaptation, such as analysing the payment reason to determine the account number and house bank methods (fees correction for ATM orders), can be provided.

Process card payments-with SCC by vdb

SEPA Card Clearing

Multiple validated and maximally automated

As an enhancement of the solution in payment process and management, we offer SEPA Card Clearing, a fully developed and efficient solution for processing card payments. The SCC by vdb replaces the former DTA since 2015. Especially the automatic functional and schema validation with he secured transformation win over the customers.


Basic functionalities


Receiving the following pacs files from the BBk (Passive SCC Requirement):

  • 003.003.04 (Card Debit)
  • 007.002.04 (Reversals)
  • 004.002.04 (returns)

This is a 1:1 forwarding with

  • A scheme validation (file und group header, Interbank messages, containers)
  • A functional validation for the clearing relevant elements, but no functional of the container (Supplementary, Data-Field).
  • Conversion from BBk format to Equens format and vice versa (optional)
  • Creation (manual or automatic) of returns (pacs.004.002.04)


Processing of merchant submissions for EC (Eurocheque Card) cash payments in pain.008.002.04 format and conversion to pacs.003.002.04 format for forwarding to BBk and the core banking system.

If necessary, the due date is adjusted, and the interbank settlement date is calculated.

vdb/SCC Dealer Reversals

Receipt of reversals in pain.007.002.04 format and conversion to pacs.007.002.04 format for forwarding to BBK. Instead of pain.007.002.04, network operators often use the SEPA standard transfer pain.001.003.03. The processing of this file is covered by the existing license.


Processing of GAA orders in pacs.003.002.04 format for forwarding to the BBk and the core banking system.


Processing of GAA orders in pain.008.002.04 format with the following functions:

  • Conversion to pacs.003.002.04 format for forwarding to BBk
  • Adjustment of the amount at transaction level
  • Provision of fee income bookings in pacs.008.001.02 format for forwarding to the core banking system.
Point of Contact
Christoph Thumm

Christoph Thumm

Teamleitung Consulting
The Solution for CSM connection -IPG by vdb

Instant Payments Gateway

As flexible as the world of today’s means of payment. And of tomorrow.


General information about Instant Payments


24/7/365 – the Instant Payments Gateway (IPG) from van den Berg is a secure bank – in operation and performance. IPG is the interface to the Clearing and Settlement Mechanism (CSM) and an important infrastructure component in numerous payment solutions in the digital world.

We offer our customers a secure connection to Target Instant Payment Settlement (TIPS), which has been in operation since November 2018, as well as to the alternative EBA clearing (RT1). The IPG is technically connected to RT1 and TIPS via the Network Service Provider (NSP) SWIFT and the Alliance Gateway Instant (AGI). Optionally, the technical connection to RT1 can also be made via EBICS. The connection via EBICS requires an EBICS infrastructure that is suitable for instant payments. This can be provided by van den Berg.

In November 2018 two customers of van den Berg were connected to TIPS. These were the one of the first banks in Germany to be connected to TIPS. Through our know-how in the area of instant payments, further customers were then connected to TIPS or the alternative standard RT1.

Our customers can choose between the Software-as-a-Service solution operated in the vdb data center or the On-Premise solution integrated into the customer’s infrastructure.  With this variant, the customer must provide additional technical components, such as a dedicated line. If the solution is outsourced to the vdb Service Bureau, the necessary technical components are provided by van den Berg.

Point of Contact
Quoc Khanh Nguyen

Quoc Khanh Nguyen

Teamleitung Projektmanagement


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