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",{"type":77,"attrs":135,"content":137},{"textAlign":25,"key":136},"p-1",[138,140,148],{"text":139,"type":83},"This guide covers remittance advice as a working part of the supplier payment and reconciliation process at UK and EU small and medium-sized businesses (SMEs), written for AP specialists and finance operations managers; controllers can use it too. It explains the document’s contents and its role in matching part payments, bundled payments, credit notes, and ",{"text":141,"type":83,"marks":142},"cross-border transfers",[143],{"type":144,"attrs":145},"link",{"href":146,"uuid":25,"anchor":25,"target":147,"linktype":62},"https://www.spendesk.com/blog/save-on-international-payments/","_blank",{"text":149,"type":83},", alongside the differences from the invoice and receipt or the bank statement.",{"type":77,"attrs":151,"content":153},{"textAlign":25,"key":152},"p-2",[154],{"text":155,"type":83},"Remittance advice is the note a payer sends to a supplier to say which invoices a payment covers.",{"type":157,"attrs":158,"content":160},"heading",{"level":159,"textAlign":25},2,[161],{"text":162,"type":83},"Key takeaways",{"type":164,"content":165},"bullet_list",[166,175,183,191,207],{"type":167,"content":168},"list_item",[169],{"type":77,"attrs":170,"content":172},{"textAlign":25,"key":171},"p-3",[173],{"text":174,"type":83},"Payers use remittance advice to confirm which invoices a payment covers, including credit notes and deductions, and the reference used to send it.",{"type":167,"content":176},[177],{"type":77,"attrs":178,"content":180},{"textAlign":25,"key":179},"p-4",[181],{"text":182,"type":83},"Its core fields are the invoice numbers, the amount paid against each, the total remitted, the payment date, the method, and the reference.",{"type":167,"content":184},[185],{"type":77,"attrs":186,"content":188},{"textAlign":25,"key":187},"p-5",[189],{"text":190,"type":83},"It is a commercial courtesy for the supplier’s benefit; the bank record, not the advice, proves that money moved.",{"type":167,"content":192},[193],{"type":77,"attrs":194,"content":196},{"textAlign":25,"key":195},"p-6",[197,199,205],{"text":198,"type":83},"Payer-side AP staff use it to tie the ",{"text":200,"type":83,"marks":201},"payment run",[202],{"type":144,"attrs":203},{"href":204,"uuid":25,"anchor":25,"target":147,"linktype":62},"https://www.spendesk.com/blog/payment-run/",{"text":206,"type":83}," to the purchase ledger; supplier-side accounts receivable staff use it to apply cash without guessing.",{"type":167,"content":208},[209],{"type":77,"attrs":210,"content":212},{"textAlign":25,"key":211},"p-7",[213],{"text":214,"type":83},"Every part payment or bundled payment needs a line-level breakdown, with credit note deductions explained separately.",{"type":157,"attrs":216,"content":217},{"level":159,"textAlign":25},[218],{"text":219,"type":83},"What is remittance advice?",{"type":77,"attrs":221,"content":223},{"textAlign":25,"key":222},"p-8",[224,226,232],{"text":225,"type":83},"Remittance advice is the payer’s instruction to the supplier on how a payment should be applied, sent from your ",{"text":227,"type":83,"marks":228},"accounts payable",[229],{"type":144,"attrs":230},{"href":231,"uuid":25,"anchor":25,"target":147,"linktype":62},"https://www.spendesk.com/use-cases/",{"text":233,"type":83}," (AP) team to the supplier’s accounts receivable team with the payment or shortly before it. The supplier uses it to close the right open invoices; you use it as the record of what the payment run allocated.",{"type":77,"attrs":235,"content":237},{"textAlign":25,"key":236},"p-9",[238],{"text":239,"type":83},"The document exists because the bank transfer itself carries very little:",{"type":164,"content":241},[242,250],{"type":167,"content":243},[244],{"type":77,"attrs":245,"content":247},{"textAlign":25,"key":246},"p-10",[248],{"text":249,"type":83},"A Bacs or Faster Payments transfer, like a SEPA transfer, arrives as one amount with one short reference line. A payment covering six invoices and a credit note therefore shows up on the supplier’s bank feed as a single credit with a code.",{"type":167,"content":251},[252],{"type":77,"attrs":253,"content":255},{"textAlign":25,"key":254},"p-11",[256],{"text":257,"type":83},"The advice holds the breakdown and travels separately from the payment. Suppliers may receive the explanation before or after the funds; sometimes they receive no explanation.",{"type":77,"attrs":259,"content":261},{"textAlign":25,"key":260},"p-12",[262,264,270,272,278],{"text":263,"type":83},"In the ",{"text":265,"type":83,"marks":266},"AP workflow",[267],{"type":144,"attrs":268},{"href":269,"uuid":25,"anchor":25,"target":147,"linktype":62},"https://www.spendesk.com/blog/automated-processes/",{"text":271,"type":83}," it sits at the end of the payment run, after approval and after the payment file is built, and it marks the point at which you treat the invoices as paid in your own ledger. Supplier expectations can be explicit. ICAEW’s own ",{"text":273,"type":83,"marks":274},"standard payment terms",[275],{"type":144,"attrs":276},{"href":277,"uuid":25,"anchor":25,"target":147,"linktype":62},"https://www.icaew.com/-/media/corporate/files/policies/standard-terms-of-payment.ashx",{"text":279,"type":83}," ask payers for a “remittance advice clearly showing the payment reference used, and full details of items paid”, sent “prior to payment being made otherwise your payment could be returned as we may be unable to allocate it”.",{"type":157,"attrs":281,"content":282},{"level":159,"textAlign":25},[283],{"text":284,"type":83},"What a remittance advice includes, with a sample",{"type":77,"attrs":286,"content":288},{"textAlign":25,"key":287},"p-13",[289],{"text":290,"type":83},"A usable remittance advice carries enough detail for the supplier to close the correct invoices without opening an email thread.",{"type":164,"content":292},[293,306,318,330,342,354,366],{"type":167,"content":294},[295],{"type":77,"attrs":296,"content":298},{"textAlign":25,"key":297},"p-14",[299,304],{"text":300,"type":83,"marks":301},"Invoice numbers:",[302],{"type":303},"bold",{"text":305,"type":83}," The supplier’s own reference for each invoice, not your internal purchase ledger number.",{"type":167,"content":307},[308],{"type":77,"attrs":309,"content":311},{"textAlign":25,"key":310},"p-15",[312,316],{"text":313,"type":83,"marks":314},"Amount paid per invoice:",[315],{"type":303},{"text":317,"type":83}," Stated against each line, so a part payment is visible at line level rather than hidden in the total.",{"type":167,"content":319},[320],{"type":77,"attrs":321,"content":323},{"textAlign":25,"key":322},"p-16",[324,328],{"text":325,"type":83,"marks":326},"Total remitted:",[327],{"type":303},{"text":329,"type":83}," The figure that must equal the bank debit to the penny.",{"type":167,"content":331},[332],{"type":77,"attrs":333,"content":335},{"textAlign":25,"key":334},"p-17",[336,340],{"text":337,"type":83,"marks":338},"Payment date and method:",[339],{"type":303},{"text":341,"type":83}," The date the payment was released and the rail used, such as Bacs, Faster Payments, SEPA transfer, or card.",{"type":167,"content":343},[344],{"type":77,"attrs":345,"content":347},{"textAlign":25,"key":346},"p-18",[348,352],{"text":349,"type":83,"marks":350},"Payment reference:",[351],{"type":303},{"text":353,"type":83}," The same string that appears on the bank line, so the supplier can pair the advice with the credit on their statement.",{"type":167,"content":355},[356],{"type":77,"attrs":357,"content":359},{"textAlign":25,"key":358},"p-19",[360,364],{"text":361,"type":83,"marks":362},"Deductions and adjustments:",[363],{"type":303},{"text":365,"type":83}," Each credit note or early-payment discount on its own line with the document number and the reason; held amounts need separate lines too.",{"type":167,"content":367},[368],{"type":77,"attrs":369,"content":371},{"textAlign":25,"key":370},"p-20",[372,376],{"text":373,"type":83,"marks":374},"Payer and payee details with a query contact:",[375],{"type":303},{"text":377,"type":83}," Both business names and an email address for the person who can answer a question about the allocation.",{"type":77,"attrs":379,"content":381},{"textAlign":25,"key":380},"p-21",[382],{"text":383,"type":83},"The sample below shows a UK payment covering two invoices, one paid in part, with a credit note deducted. The header details read: payer Harbourside Foods Ltd, payee Ashworth Packaging Ltd, payment date 30 September 2026, method Bacs, reference HF-REM-0931.",{"type":385,"content":386},"table",[387,437,484,531,577],{"type":388,"content":389},"tableRow",[390,401,410,419,428],{"type":391,"attrs":392,"content":394},"tableHeader",{"colspan":393,"rowspan":393,"colwidth":25},1,[395],{"type":77,"attrs":396,"content":398},{"textAlign":25,"key":397},"p-22",[399],{"text":400,"type":83},"Document",{"type":391,"attrs":402,"content":403},{"colspan":393,"rowspan":393,"colwidth":25},[404],{"type":77,"attrs":405,"content":407},{"textAlign":25,"key":406},"p-23",[408],{"text":409,"type":83},"Document date",{"type":391,"attrs":411,"content":412},{"colspan":393,"rowspan":393,"colwidth":25},[413],{"type":77,"attrs":414,"content":416},{"textAlign":25,"key":415},"p-24",[417],{"text":418,"type":83},"Invoice amount",{"type":391,"attrs":420,"content":421},{"colspan":393,"rowspan":393,"colwidth":25},[422],{"type":77,"attrs":423,"content":425},{"textAlign":25,"key":424},"p-25",[426],{"text":427,"type":83},"Amount paid",{"type":391,"attrs":429,"content":430},{"colspan":393,"rowspan":393,"colwidth":25},[431],{"type":77,"attrs":432,"content":434},{"textAlign":25,"key":433},"p-26",[435],{"text":436,"type":83},"Note",{"type":388,"content":438},[439,449,458,467,475],{"type":440,"attrs":441,"content":442},"tableCell",{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[443],{"type":77,"attrs":444,"content":446},{"textAlign":25,"key":445},"p-27",[447],{"text":448,"type":83},"INV-1042",{"type":440,"attrs":450,"content":451},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[452],{"type":77,"attrs":453,"content":455},{"textAlign":25,"key":454},"p-28",[456],{"text":457,"type":83},"3 September 2026",{"type":440,"attrs":459,"content":460},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[461],{"type":77,"attrs":462,"content":464},{"textAlign":25,"key":463},"p-29",[465],{"text":466,"type":83},"£2,400.00",{"type":440,"attrs":468,"content":469},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[470],{"type":77,"attrs":471,"content":473},{"textAlign":25,"key":472},"p-30",[474],{"text":466,"type":83},{"type":440,"attrs":476,"content":477},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[478],{"type":77,"attrs":479,"content":481},{"textAlign":25,"key":480},"p-31",[482],{"text":483,"type":83},"Paid in full",{"type":388,"content":485},[486,495,504,513,522],{"type":440,"attrs":487,"content":488},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[489],{"type":77,"attrs":490,"content":492},{"textAlign":25,"key":491},"p-32",[493],{"text":494,"type":83},"INV-1057",{"type":440,"attrs":496,"content":497},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[498],{"type":77,"attrs":499,"content":501},{"textAlign":25,"key":500},"p-33",[502],{"text":503,"type":83},"17 September 2026",{"type":440,"attrs":505,"content":506},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[507],{"type":77,"attrs":508,"content":510},{"textAlign":25,"key":509},"p-34",[511],{"text":512,"type":83},"£1,800.00",{"type":440,"attrs":514,"content":515},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[516],{"type":77,"attrs":517,"content":519},{"textAlign":25,"key":518},"p-35",[520],{"text":521,"type":83},"£1,500.00",{"type":440,"attrs":523,"content":524},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[525],{"type":77,"attrs":526,"content":528},{"textAlign":25,"key":527},"p-36",[529],{"text":530,"type":83},"Part payment; 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The credit note line uses the supplier’s own number, which lets their system match it rather than treating the payment as £120.00 short.",{"type":157,"attrs":633,"content":634},{"level":159,"textAlign":25},[635],{"text":636,"type":83},"How AP teams use remittance advice to reconcile payments",{"type":77,"attrs":638,"content":639},{"textAlign":25,"key":79},[640],{"text":641,"type":83},"You use remittance advice to match supplier payments to open invoices during the payment run and at month-end. The same breakdown helps you reconcile bundled payments and deductions, including shortfalls caused by bank charges or FX differences.",{"type":164,"content":643},[644,651],{"type":167,"content":645},[646],{"type":77,"attrs":647,"content":648},{"textAlign":25,"key":136},[649],{"text":650,"type":83},"During the payment run, you use the advice as the list of invoices you allocate the payment against in the purchase ledger.",{"type":167,"content":652},[653],{"type":77,"attrs":654,"content":655},{"textAlign":25,"key":152},[656],{"text":657,"type":83},"At month-end, you tie the total on each advice to the corresponding bank debit. If the figures agree, you remove the settled invoices from the open-items list and explain the bank line. If they differ, you record the difference as your first reconciling item and use the advice to identify which invoice to check.",{"type":77,"attrs":659,"content":660},{"textAlign":25,"key":171},[661,663,669],{"text":662,"type":83},"The supplier works the same loop in reverse. Their accounts receivable team checks the receipt against the bank statement and your remittance advice. They then close the sales invoices you listed. Without the advice, they may leave the cash unapplied or in suspense, while collections staff keep chasing invoices you have paid. An ",{"text":664,"type":83,"marks":665},"Ipswich Borough Council internal audit",[666],{"type":144,"attrs":667},{"href":668,"uuid":25,"anchor":25,"target":147,"linktype":62},"https://democracy.ipswich.gov.uk/documents/s42754/AG-24-28%20Appendix%201.pdf",{"text":670,"type":83}," in November 2024 recorded exactly that pattern: unallocated payments moving into a suspense account “that is not being reviewed”, and the finding that “The Council chases for payments already received”.",{"type":77,"attrs":672,"content":673},{"textAlign":25,"key":179},[674,676,682,684,690],{"text":675,"type":83},"At ",{"text":677,"type":83,"marks":678},"month-end close",[679],{"type":144,"attrs":680},{"href":681,"uuid":25,"anchor":25,"target":147,"linktype":62},"https://www.spendesk.com/blog/balance-sheet-reconciliation/",{"text":683,"type":83},", the practical test is that no invoice on your open-items list has already been paid, and no bank debit lacks an allocation. Where a supplier statement still shows a balance you believe is settled, the remittance advice is the document you send back. The separate guide on ",{"text":685,"type":83,"marks":686},"supplier statement reconciliation",[687],{"type":144,"attrs":688},{"href":689,"uuid":25,"anchor":25,"target":147,"linktype":62},"https://www.spendesk.com/blog/invoice-reconciliation/",{"text":691,"type":83}," covers how to work those differences line by line.",{"type":157,"attrs":693,"content":695},{"level":694,"textAlign":25},3,[696],{"text":697,"type":83},"Matching one payment to several invoices",{"type":77,"attrs":699,"content":700},{"textAlign":25,"key":187},[701],{"text":702,"type":83},"A bundled payment needs one line per invoice with the amount applied to each, and a total that equals the bank debit. The supplier’s accounting system can only split a single credit if it knows the split; many packages default to applying unexplained cash to the oldest open invoice, which closes the wrong documents when you intended to pay a newer batch and hold an older disputed one.",{"type":77,"attrs":704,"content":705},{"textAlign":25,"key":195},[706,708,714],{"text":707,"type":83},"The receiving side feels this at scale. ",{"text":709,"type":83,"marks":710},"Treasury Today reported in 2024",[711],{"type":144,"attrs":712},{"href":713,"uuid":25,"anchor":25,"target":147,"linktype":62},"https://treasurytoday.com/asa-2024-winners/robotics-process-automation-solves-reconciliation-headache-at-danone/",{"text":715,"type":83}," that Danone’s customers paid multiple invoices in one transfer with minimal detail, and manual reconciliation through the customer portal “took two to three days to complete”, with a knock-on effect on days sales outstanding and cash flow. The same friction exists for a supplier with a two-person finance team; it surfaces as a phone call to your AP inbox.",{"type":157,"attrs":717,"content":718},{"level":694,"textAlign":25},[719],{"text":720,"type":83},"Partial payments, credit notes, and discounts",{"type":77,"attrs":722,"content":723},{"textAlign":25,"key":211},[724],{"text":725,"type":83},"When you pay less than an invoice total, the deduction line is where you say why. A short payment with no explanation looks like an error to the supplier and may expose you to a late-payment interest claim under commercial debt rules, so the reason belongs on the advice, not in a later email. The usual reasons are a credit note or an early-payment discount. You may also hold back a disputed item.",{"type":164,"content":727},[728,739],{"type":167,"content":729},[730],{"type":77,"attrs":731,"content":732},{"textAlign":25,"key":222},[733,737],{"text":734,"type":83,"marks":735},"Credit note:",[736],{"type":303},{"text":738,"type":83}," Showing its number and amount as a negative line against the invoice it offsets lets the supplier match the deduction; the total reflects the net figure.",{"type":167,"content":740},[741],{"type":77,"attrs":742,"content":743},{"textAlign":25,"key":236},[744,748],{"text":745,"type":83,"marks":746},"Early-payment discount:",[747],{"type":303},{"text":749,"type":83}," Showing the invoice amount and the discount with its basis (for example, 2% for payment within 10 days) explains the net paid. The supplier can then post the difference as discount allowed rather than as a shortfall.",{"type":77,"attrs":751,"content":752},{"textAlign":25,"key":246},[753],{"text":754,"type":83},"For a dispute, naming the line and stating the reason explains the held amount. Confirming that the rest is being paid, then raising the dispute separately in writing, keeps the remittance advice a record of allocation rather than a negotiation.",{"type":157,"attrs":756,"content":757},{"level":694,"textAlign":25},[758],{"text":759,"type":83},"Bank charges and FX differences",{"type":77,"attrs":761,"content":762},{"textAlign":25,"key":254},[763,765,771],{"text":764,"type":83},"A cross-border payment can land short of the amount on the remittance advice, because intermediary or receiving banks may deduct charges before the credit reaches the supplier’s account. The outcome depends on the charge option you select at the bank. ",{"text":766,"type":83,"marks":767},"NatWest’s international transfer guidance",[768],{"type":144,"attrs":769},{"href":770,"uuid":25,"anchor":25,"target":147,"linktype":62},"https://www.natwest.com/business/support-centre/making-and-accepting-payments/electronic-payments/international-transfers.html",{"text":772,"type":83}," states that under shared charges the payee “may receive slightly less than you send”, while the option where the payer bears all fees is designed to deliver the full amount. A supplier’s bank may also convert a foreign-currency receipt at its own rate.",{"type":77,"attrs":774,"content":775},{"textAlign":25,"key":260},[776,778,784],{"text":777,"type":83},"So state on the advice the amount you sent and its currency. Include the charge option too. That lets the supplier book the shortfall as bank charges or exchange difference and close the invoice, rather than chasing you for a balance neither of you can recover. The companion guide on ",{"text":779,"type":83,"marks":780},"automating multi-currency invoice matching",[781],{"type":144,"attrs":782},{"href":783,"uuid":25,"anchor":25,"target":147,"linktype":62},"https://www.spendesk.com/blog/invoice-matching/",{"text":785,"type":83}," covers the matching mechanics in detail.",{"type":157,"attrs":787,"content":788},{"level":159,"textAlign":25},[789],{"text":790,"type":83},"Remittance advice vs invoice, receipt, and bank statement",{"type":77,"attrs":792,"content":793},{"textAlign":25,"key":287},[794],{"text":795,"type":83},"Each document answers a different question. Their issuers and timing also differ, as the operational comparison below shows:",{"type":385,"content":797},[798,839,881,923,964],{"type":388,"content":799},[800,807,815,823,831],{"type":391,"attrs":801,"content":802},{"colspan":393,"rowspan":393,"colwidth":25},[803],{"type":77,"attrs":804,"content":805},{"textAlign":25,"key":297},[806],{"text":400,"type":83},{"type":391,"attrs":808,"content":809},{"colspan":393,"rowspan":393,"colwidth":25},[810],{"type":77,"attrs":811,"content":812},{"textAlign":25,"key":310},[813],{"text":814,"type":83},"Who issues it",{"type":391,"attrs":816,"content":817},{"colspan":393,"rowspan":393,"colwidth":25},[818],{"type":77,"attrs":819,"content":820},{"textAlign":25,"key":322},[821],{"text":822,"type":83},"When",{"type":391,"attrs":824,"content":825},{"colspan":393,"rowspan":393,"colwidth":25},[826],{"type":77,"attrs":827,"content":828},{"textAlign":25,"key":334},[829],{"text":830,"type":83},"What it shows or proves",{"type":391,"attrs":832,"content":833},{"colspan":393,"rowspan":393,"colwidth":25},[834],{"type":77,"attrs":835,"content":836},{"textAlign":25,"key":346},[837],{"text":838,"type":83},"Finance use",{"type":388,"content":840},[841,849,857,865,873],{"type":440,"attrs":842,"content":843},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[844],{"type":77,"attrs":845,"content":846},{"textAlign":25,"key":358},[847],{"text":848,"type":83},"Invoice",{"type":440,"attrs":850,"content":851},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[852],{"type":77,"attrs":853,"content":854},{"textAlign":25,"key":370},[855],{"text":856,"type":83},"Supplier",{"type":440,"attrs":858,"content":859},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[860],{"type":77,"attrs":861,"content":862},{"textAlign":25,"key":380},[863],{"text":864,"type":83},"Before payment",{"type":440,"attrs":866,"content":867},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[868],{"type":77,"attrs":869,"content":870},{"textAlign":25,"key":397},[871],{"text":872,"type":83},"What is owed and by when; primary VAT evidence",{"type":440,"attrs":874,"content":875},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[876],{"type":77,"attrs":877,"content":878},{"textAlign":25,"key":406},[879],{"text":880,"type":83},"Recorded as a payable; matched to the purchase order and goods received note",{"type":388,"content":882},[883,891,899,907,915],{"type":440,"attrs":884,"content":885},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[886],{"type":77,"attrs":887,"content":888},{"textAlign":25,"key":415},[889],{"text":890,"type":83},"Remittance advice",{"type":440,"attrs":892,"content":893},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[894],{"type":77,"attrs":895,"content":896},{"textAlign":25,"key":424},[897],{"text":898,"type":83},"Payer",{"type":440,"attrs":900,"content":901},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[902],{"type":77,"attrs":903,"content":904},{"textAlign":25,"key":433},[905],{"text":906,"type":83},"With or just before the payment",{"type":440,"attrs":908,"content":909},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[910],{"type":77,"attrs":911,"content":912},{"textAlign":25,"key":445},[913],{"text":914,"type":83},"Which invoices and deductions a payment covers",{"type":440,"attrs":916,"content":917},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[918],{"type":77,"attrs":919,"content":920},{"textAlign":25,"key":454},[921],{"text":922,"type":83},"Allocated in the purchase ledger; supplier applies cash against it",{"type":388,"content":924},[925,933,940,948,956],{"type":440,"attrs":926,"content":927},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[928],{"type":77,"attrs":929,"content":930},{"textAlign":25,"key":463},[931],{"text":932,"type":83},"Receipt",{"type":440,"attrs":934,"content":935},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[936],{"type":77,"attrs":937,"content":938},{"textAlign":25,"key":472},[939],{"text":856,"type":83},{"type":440,"attrs":941,"content":942},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[943],{"type":77,"attrs":944,"content":945},{"textAlign":25,"key":480},[946],{"text":947,"type":83},"After funds arrive",{"type":440,"attrs":949,"content":950},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[951],{"type":77,"attrs":952,"content":953},{"textAlign":25,"key":491},[954],{"text":955,"type":83},"That payment was received",{"type":440,"attrs":957,"content":958},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[959],{"type":77,"attrs":960,"content":961},{"textAlign":25,"key":500},[962],{"text":963,"type":83},"Supplier’s income record; buyer’s evidence for cash payments",{"type":388,"content":965},[966,974,982,990,998],{"type":440,"attrs":967,"content":968},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[969],{"type":77,"attrs":970,"content":971},{"textAlign":25,"key":509},[972],{"text":973,"type":83},"Bank statement",{"type":440,"attrs":975,"content":976},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[977],{"type":77,"attrs":978,"content":979},{"textAlign":25,"key":518},[980],{"text":981,"type":83},"Bank",{"type":440,"attrs":983,"content":984},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[985],{"type":77,"attrs":986,"content":987},{"textAlign":25,"key":527},[988],{"text":989,"type":83},"Periodic",{"type":440,"attrs":991,"content":992},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[993],{"type":77,"attrs":994,"content":995},{"textAlign":25,"key":538},[996],{"text":997,"type":83},"That money left or arrived, and when",{"type":440,"attrs":999,"content":1000},{"colspan":393,"rowspan":393,"colwidth":25,"backgroundColor":25},[1001],{"type":77,"attrs":1002,"content":1003},{"textAlign":25,"key":547},[1004],{"text":1005,"type":83},"Reconciled to the cash book; the record that proves payment",{"type":77,"attrs":1007},{"textAlign":25,"key":556},{"type":77,"attrs":1009,"content":1010},{"textAlign":25,"key":565},[1011,1015],{"text":1012,"type":83,"marks":1013},"Sources: ",[1014],{"type":303},{"text":1016,"type":83},"Sage UK and Xero UK guidance on invoices and receipts; HMRC VAT record-keeping guidance. Also: ICAEW cash-receipts case study.",{"type":77,"attrs":1018,"content":1019},{"textAlign":25,"key":573},[1020],{"text":1021,"type":83},"For an AP team the distinction decides what each document can do in a dispute. A supplier who says they were never paid is answered with the bank statement, with the remittance advice attached to show what that payment covered. A remittance advice on its own answers the question “what did you intend to pay?”, and nothing more. The receipt matters mostly for cash and card transactions where the buyer has no bank line to point to.",{"type":157,"attrs":1023,"content":1024},{"level":159,"textAlign":25},[1025],{"text":1026,"type":83},"Is remittance advice required, and is it proof of payment?",{"type":77,"attrs":1028,"content":1029},{"textAlign":25,"key":584},[1030],{"text":1031,"type":83},"Remittance advice is a commercial courtesy rather than a legal obligation, and it is not proof that money has moved.",{"type":164,"content":1033},[1034,1049],{"type":167,"content":1035},[1036],{"type":77,"attrs":1037,"content":1038},{"textAlign":25,"key":593},[1039,1041,1047],{"text":1040,"type":83},"What tax authorities and auditors expect is that a payment can be traced from the bank statement to the entries in your books. HMRC’s ",{"text":1042,"type":83,"marks":1043},"enquiry manual guidance",[1044],{"type":144,"attrs":1045},{"href":1046,"uuid":25,"anchor":25,"target":147,"linktype":62},"https://www.gov.uk/hmrc-internal-manuals/enquiry-manual/em2860",{"text":1048,"type":83}," describes customer-supplied reconciliations showing which sales invoices a payment settles, calls them remittance advices, and treats them as records that “may be retained”. They help the trace; they do not replace it.",{"type":167,"content":1050},[1051],{"type":77,"attrs":1052,"content":1053},{"textAlign":25,"key":602},[1054,1056,1062],{"text":1055,"type":83},"Proof of payment is the bank record. ",{"text":1057,"type":83,"marks":1058},"ICAEW advised small businesses in April 2025",[1059],{"type":144,"attrs":1060},{"href":1061,"uuid":25,"anchor":25,"target":147,"linktype":62},"https://www.icaew.com/insights/viewpoints-on-the-news/2025/apr-2025/cyber-security-fake-payments-receipts-and-invoices-on-the-rise",{"text":1063,"type":83}," not to accept a buyer’s app payment confirmation as proof and to wait for funds to arrive in their own account. The same logic applies to remittance advice: it says a payment was initiated, not that it cleared. A supplier who closes an invoice on the strength of the advice alone is extending credit on a promise.",{"type":77,"attrs":1065,"content":1066},{"textAlign":25,"key":610},[1067],{"text":1068,"type":83},"Whether you must send one depends on your contracts, not on statute. Some suppliers write it into their terms, as ICAEW does; most ask for it informally once they have spent an afternoon applying an unexplained credit. If a supplier’s terms require it before payment, send it before payment, because the cost of a returned transfer is higher than the cost of an email.",{"type":157,"attrs":1070,"content":1071},{"level":159,"textAlign":25},[1072],{"text":1073,"type":83},"How to create and send remittance advice",{"type":77,"attrs":1075,"content":1076},{"textAlign":25,"key":619},[1077,1079,1085],{"text":1078,"type":83},"Most UK accounting packages generate the advice from the paid bill or ",{"text":1080,"type":83,"marks":1081},"batch payment",[1082],{"type":144,"attrs":1083},{"href":1084,"uuid":25,"anchor":25,"target":147,"linktype":62},"https://www.spendesk.com/blog/batch-payments/",{"text":1086,"type":83},", so the steps below are about getting the content right rather than producing the file:",{"type":1088,"attrs":1089,"content":1091},"ordered_list",{"order":393,"key":1090},"ol-0",[1092,1099,1106,1114,1122],{"type":167,"content":1093},[1094],{"type":77,"attrs":1095,"content":1096},{"textAlign":25,"key":625},[1097],{"text":1098,"type":83},"Build the list from the payment run, so every invoice and credit note allocated in that run appears on the advice.",{"type":167,"content":1100},[1101],{"type":77,"attrs":1102,"content":1103},{"textAlign":25,"key":628},[1104],{"text":1105,"type":83},"Enter each deduction as its own line with the reason and the supplier’s document number.",{"type":167,"content":1107},[1108],{"type":77,"attrs":1109,"content":1111},{"textAlign":25,"key":1110},"p-49",[1112],{"text":1113,"type":83},"Check that the total on the advice equals the payment file and the bank debit.",{"type":167,"content":1115},[1116],{"type":77,"attrs":1117,"content":1119},{"textAlign":25,"key":1118},"p-50",[1120],{"text":1121,"type":83},"Use the same payment reference on the advice and on the bank instruction.",{"type":167,"content":1123},[1124],{"type":77,"attrs":1125,"content":1127},{"textAlign":25,"key":1126},"p-51",[1128],{"text":1129,"type":83},"Send it to the supplier’s accounts receivable contact when the payment is released, and store a copy with the payment record.",{"type":77,"attrs":1131,"content":1133},{"textAlign":25,"key":1132},"p-52",[1134,1136,1142],{"text":1135,"type":83},"Email is the default channel: the accounting system produces a PDF from the paid bill or batch and sends it to the address on the supplier record. Post remains the fallback for suppliers with no email address on file. Larger buyers sometimes publish payment advices to a supplier portal instead; ",{"text":1137,"type":83,"marks":1138},"Daimler Truck’s supplier portal",[1139],{"type":144,"attrs":1140},{"href":1141,"uuid":25,"anchor":25,"target":147,"linktype":62},"https://supplier.daimlertruck.com/en/collaboration/accounting/fvp",{"text":1143,"type":83},", for example, lets suppliers download payment advices as PDFs rather than waiting for a message.",{"type":77,"attrs":1145,"content":1147},{"textAlign":25,"key":1146},"p-53",[1148],{"text":1149,"type":83},"Electronic remittance advice means the same breakdown sent as structured data instead of a PDF, so the supplier’s system can read each invoice line and apply it without anyone re-keying. Sometimes the data rides inside the payment instruction itself, where the scheme offers an extended remittance option; more often it travels as a separate message or file alongside the transfer. For an SME, the practical question is whether the supplier can receive it, because a structured file nobody can open is slower than a clear PDF.",{"type":157,"attrs":1151,"content":1152},{"level":159,"textAlign":25},[1153],{"text":1154,"type":83},"Where connected accounts payable keeps remittance tied to the right invoice",{"type":77,"attrs":1156,"content":1158},{"textAlign":25,"key":1157},"p-54",[1159],{"text":1160,"type":83},"A remittance advice is only as reliable as the payment record behind it. That record is weakest when you keep the invoice, the approval, the payment, and the ledger entry in four systems and join them in a spreadsheet. The failure shows up at month-end, when the list of invoices you told the supplier you paid differs from the list you posted.",{"type":77,"attrs":1162,"content":1164},{"textAlign":25,"key":1163},"p-55",[1165,1167,1173,1175,1181],{"text":1166,"type":83},"Spendesk is an all-in-one spend management platform consolidating company cards, expense management, accounts payable, procurement, and budgeting. With its ",{"text":1168,"type":83,"marks":1169},"accounts payable automation",[1170],{"type":144,"attrs":1171},{"href":1172,"uuid":25,"anchor":25,"target":147,"linktype":62},"https://www.spendesk.com/platform/invoice-management/",{"text":1174,"type":83},", you can capture supplier invoices and match them to purchase orders where they exist, then route approvals and track payments. You can use that connected record to identify the invoices behind a payment rather than reconstructing them. With ",{"text":1176,"type":83,"marks":1177},"Bookkeeping automation",[1178],{"type":144,"attrs":1179},{"href":1180,"uuid":25,"anchor":25,"target":147,"linktype":62},"https://www.spendesk.com/platform/accounting-automation/",{"text":1182,"type":83},", finance reviews and confirms prepared ledger fields, helping you keep posted amounts consistent with the amounts you told the supplier.",{"type":77,"attrs":1184,"content":1186},{"textAlign":25,"key":1185},"p-56",[1187,1189,1195],{"text":1188,"type":83},"It is not a cure-all. The supplier still has to apply what you send, and you still need to explain the charge when a cross-border transfer lands short. Holding £300.00 against a damaged delivery remains your finance team’s judgement.  ",{"text":1190,"type":83,"marks":1191},"Book a Spendesk demo",[1192],{"type":144,"attrs":1193},{"href":1194,"uuid":25,"anchor":25,"target":147,"linktype":62},"https://www.spendesk.com/schedule-a-demo/",{"text":1196,"type":83}," to see how connected invoice workflows and payment tracking could fit your payment run.",{"type":157,"attrs":1198,"content":1199},{"level":159,"textAlign":25},[1200],{"text":1201,"type":83},"Frequently asked questions ",{"type":77,"attrs":1203,"content":1205},{"textAlign":25,"key":1204},"p-57",[1206],{"text":1207,"type":83},"These answers clarify payment remittance and EFT terminology. They also distinguish advice from a receipt and explain what to check before relying on automatic sending.",{"type":157,"attrs":1209,"content":1210},{"level":694,"textAlign":25},[1211],{"text":1212,"type":83},"What does “payment remittance” mean?",{"type":77,"attrs":1214,"content":1216},{"textAlign":25,"key":1215},"p-58",[1217],{"text":1218,"type":83},"Payment remittance is the act of sending money to settle a debt, and remittance advice is the note that accompanies it.",{"type":157,"attrs":1220,"content":1221},{"level":694,"textAlign":25},[1222],{"text":1223,"type":83},"What is the difference between remittance advice and a receipt?",{"type":77,"attrs":1225,"content":1227},{"textAlign":25,"key":1226},"p-59",[1228],{"text":1229,"type":83},"The difference is who sends it and when. The payer sends remittance advice at the point of payment to say what the money is for; the supplier issues a receipt after the funds have arrived to confirm they were received. A remittance advice from a buyer is not evidence that the supplier was paid, and a receipt from a supplier does not tell you which of your invoices were settled unless it lists them.",{"type":157,"attrs":1231,"content":1232},{"level":694,"textAlign":25},[1233],{"text":1234,"type":83},"What is EFT remittance in plain terms?",{"type":77,"attrs":1236,"content":1238},{"textAlign":25,"key":1237},"p-60",[1239],{"text":1240,"type":83},"EFT remittance is remittance advice for a payment made by electronic funds transfer, such as Bacs, Faster Payments, or a SEPA transfer, rather than by cheque. The transfer itself carries only a short reference, so the advice supplies the invoice-level detail the supplier needs to apply the credit. Historically the advice was posted with the cheque; with an electronic payment it is emailed or published separately.",{"type":157,"attrs":1242,"content":1243},{"level":694,"textAlign":25},[1244],{"text":1245,"type":83},"Can accounting software send remittance advice automatically?",{"type":77,"attrs":1247,"content":1249},{"textAlign":25,"key":1248},"p-61",[1250],{"text":1251,"type":83},"It depends on the product and the region, so check your package’s current help pages. UK accounting packages generally produce the advice from a paid bill or batch payment and email it as a PDF, and some can be set to create one each time a supplier payment is posted, with emailing as a separate step. In other products sending remains a user action from the bill or the supplier record, which means the advice is only as consistent as the person running the 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