Bank Integration with Salt Edge

Javapackage: com.etendoerp.psd2.bank.integration

Before you begin

This module requires the Financial Extensions Bundle to be installed in your Etendo environment. If you are unsure whether it is installed, contact your system administrator before proceeding. For installation instructions, visit the marketplace: Financial Extensions Bundle. For available versions and core compatibility, visit Financial Extensions - Release notes.

Overview

This page explains how to connect bank accounts to Etendo so that transactions are imported automatically and outgoing payments can be initiated directly from the system. It is intended for finance and accounting staff who perform bank reconciliations and vendor payment runs, and for administrators who perform the initial setup.

The module provides two main capabilities, both powered by Salt Edge — an Open Banking platform that acts as a secure intermediary between Etendo and banking institutions, compliant with the PSD2 directive. Etendo manages the Salt Edge connection on your behalf; no direct Salt Edge account is required.

AIS (Account Information Service): Securely connect bank accounts and automatically download transactions for reconciliation.

flowchart LR
    A([Connect bank account]) --> B[Grant permissions]
    B --> C[Download transactions]
    C --> D([Bank statement ready<br/>for reconciliation ✅])

- PIS (Payment Initiation Service): Initiate vendor payments directly from Etendo, with authorization handled through the bank.

flowchart LR
    A([Create Payment OUT]) --> B[Generate bank payment]
    B --> C[Authorize at bank portal]
    C --> D[Check payment status]
    D --> E([Payment executed ✅])

	AIS	PIS
	Automated transaction import	Direct payment initiation
	Real-time synchronization	Real-time status tracking
	Multiple banks simultaneously	SEPA, FPS, and DOMESTIC templates
	Bank credentials never stored in Etendo	Authorization handled by the bank

Prerequisites

Confirm the following before using the Bank Integration functionality:

Server Configuration: Your system administrator has configured the application URL context.url in the Etendo server and run the setup process. Contact your IT team or implementation partner to confirm this is done.
Salt Edge API Key: Your organization has a Salt Edge API Key. Contact Etendo Support to request it.
User Configuration: The API Key is configured in your Etendo user profile (detailed in the Setup section below).
Financial Accounts: The Financial Accounts that will be linked to your bank accounts exist in Etendo.
Button Visibility: Confirm the logged-in user has a PSD2 API Key configured. The integration buttons and fields (Connect Bank Account, Get Bank Statement, Generate Bank Payment, etc.) are only visible when the API Key is set.

Setup

1. Configure Salt Edge API Key

Application > General Setup > Security > User

As an Administrator or user with appropriate permissions:

Navigate to the User window.
Select the user record that will perform bank operations.
Locate the API Key field in the PSD2 Bank Integration section and enter the API Key provided by Support Service.

Info

Each user who will perform bank synchronization or payment initiation must have their own API Key configured. The API Key is user-specific — keep it confidential.

Button and Field Visibility

All PSD2 integration buttons and fields are only visible when the logged-in user has a PSD2 API Key configured. This includes:

In the Financial Account window: the Connect Bank Account button, Get Bank Statement button, Bank Provider selector, Import From Date, Import To Date, and Statement Frequency fields.
In the Payment OUT window: the Generate Bank Payment button.

If you do not see these elements, verify that the current user has a valid API Key entered in the PSD2 API Key field of the User window.

2. Configure Financial Accounts

Financial Management > Receivables and Payables > Transactions > Financial Account

For each financial account you want to synchronize with a bank, open it and fill in the following fields in the PSD2 Bank Integration tab:

Field	Description
Bank Provider	The bank associated with this account. If set, the bank selection step is skipped when connecting (AIS) or initiating payments (PIS). Leave empty to select the bank manually each time. The provider list must be synchronized first — see Step 3.
Import From Date	Start date for importing transactions. If left empty, the system uses the last imported bank statement date. Set this only for the initial import (e.g., beginning of fiscal year) — leave it empty afterward so imports continue automatically from where they left off.
Import To Date	End date for importing transactions. If left empty, the system uses today's date. Leave it empty in normal operation.
Statement Frequency	Controls how imported transactions are grouped into bank statements: One per run (default) creates a new statement on every import; One per week or One per month groups transactions into a single statement per period, reactivating it if already processed. Use weekly or monthly grouping when importing daily to reduce the total number of statements.

3. Synchronize Bank Providers

Financial Management > Receivables and Payables > Setup > PSD2 > Synchronize Bank Providers

Run this process once during initial setup. Re-run it on demand if a bank provider does not appear in the list or you want to verify whether a specific bank is supported by Salt Edge. Execute the process from the menu above — no specific user is required.

Info

This step is required before assigning a Bank Provider to a financial account or initiating payments.

Bank Connection Flow (AIS)

Connect Bank Account

Once your user has the API Key configured and the financial account dates are set:

Tip

Make sure your Financial Account has the IBAN field configured before connecting. The system uses it to help match your bank accounts correctly. If the IBAN is missing, you will see a warning message.

Open the Financial Account (bank) you want to connect.
Click the Connect Bank Account button.
A Salt Edge connection widget will open in a popup window.
- Search or select your bank from the list of supported banks
- Click on your bank to continue
Info

If you have assigned a Bank Provider to the Financial Account (see Setup - Step 2), the bank selection step is skipped automatically and you will be taken directly to your bank's authentication page.
Authorize the connection:
- Your bank will ask you to confirm permission for Salt Edge to access your account information
- Review the permissions and confirm
You will be redirected to your bank's login page

Log in with your bank credentials (username, password, and any additional authentication required by your bank)
Important Security Note
- Your bank credentials are entered directly on your bank's website, not in Etendo
- Salt Edge never stores your bank credentials
- Etendo never has access to your bank username or password
After successful authentication, a success page confirms the connection. The system automatically synchronizes your bank accounts — connection details appear in the Bank Connections tab. Close the popup and proceed to import transactions.

Info

Running Synchronize Bank Connections manually after connecting is not required — it runs automatically.

Importing Transactions

There are two ways to import bank transactions:

Option 1: Manual Import (Single Account)

For importing transactions on-demand for specific accounts:

Open the Financial Account window.
Select one or more financial accounts.
Click the Get Bank Statement button.
The system will:
- Connect to Salt Edge.
- Retrieve transactions within the configured date range.
- Filter out duplicate transactions.
- Create or update bank statements.
- Create bank statement lines for each transaction.
A summary message will show the results:
- Number of new transactions imported.
- Any warnings or errors encountered.
Tip

Use this option when you need to immediately import transactions for specific accounts or when you want to review the import results right away.

Option 2: Automatic Import (Scheduled Process)

For regular, automated imports across all connected accounts:

General Setup > Process Scheduling > Process Request

Click New to create a new process request.
In the Process field, select Get Bank Statements.
Set the Timing field to the frequency you need (for example, Daily).
Save the record. The process runs automatically at the chosen interval and imports new transactions for all connected accounts.
Info

Recommended Schedule:
- For most businesses: Run once or twice daily (e.g., 6 AM and 6 PM).
- For high-volume accounts: Run every few hours.
- Consider your bank's update frequency and your business needs.

Connection Management

Financial Management > Receivables and Payables > Transactions > Financial Account

To view all your bank connections:

Open the Financial Account window
Navigate to the Bank Connections tab
Here you can see all connections associated with the financial account, including:
- Provider Name
- Salt Edge Connection ID
- Connection Status
- Last Refresh Date
- Fetch Scopes (permissions granted)

Connection Status

Bank connections can have different statuses:

Active (AC): Connection is working normally
Inactive (IN): Connection exists but is not being used for transactions
Disabled (DI): Connection has been disabled (e.g., authentication expired)

Syncing Bank Connections

Financial Management > Receivables and Payables > Setup > PSD2 > Synchronize Bank Connections

The Synchronize Bank Connections process allows you to manually refresh the connection information for your financial accounts.

The process:

Checks the current status of all bank connections for the configured financial accounts.
Updates connection statuses to reflect the real-time state from Salt Edge.
Refreshes account information associated with each connection.

A summary message will show the results.

Tip

Run this process only if you suspect a connection status is outdated or after making changes at your bank (e.g., adding new accounts). Bank connections are synchronized automatically when you first connect a bank.

Disconnecting a Bank Connection

If you need to remove a bank connection:

Open the Financial Account window
Navigate to the Bank Connections tab
Select the connection(s) you want to disconnect
Click the Disconnect Connection button

Warning

Important: - Disconnecting a connection permanently removes it from both Etendo and Salt Edge - Reconnect if you want to use this bank connection again - This action cannot be undone - Pending transactions are not affected, but no new transactions can be imported from this connection
After disconnection, verify the removal in the Bank Connections tab.

Reconnecting a Bank Connection

If a connection shows as Inactive or Disabled, select it in the Bank Connections tab and click Reconnect Connection. A Salt Edge widget opens — re-authenticate with your bank to restore the connection to Active.

Note

If the connection is already active when you click Reconnect Connection, you receive a success message and no further action is needed. If Get Bank Statements encounters a connection issue, it automatically marks the connection as Disabled and tries the next available one.

Bank Payment Initiation (PIS)

In addition to importing bank transactions (AIS), this module allows you to initiate bank payments directly from Etendo. When you create a Payment OUT record in Etendo, you can send it to your bank for authorization and execution — all without leaving the ERP.

How Bank Payments Work

The payment initiation flow works as follows:

Create a Payment OUT record in Etendo as usual.
From the payment record, click the Generate Bank Payment button.
A form appears with pre-filled values (amount, creditor, template, etc.).
After reviewing and confirming, a bank authorization popup opens.
Authorize the payment in your bank's secure environment.
The payment status is tracked automatically in Etendo.

Payment Templates

The system supports three payment templates, which determine the format and required information for the payment:

Template	Currency	Required Fields	Use Case
SEPA	EUR only	Creditor IBAN	Eurozone bank transfers
FPS	GBP only	Sort Code + Account Number	UK Faster Payments
DOMESTIC	Any	At least one of: IBAN, BBAN, or Account Number	Other domestic transfers

Note

The template is automatically selected based on the currency of the payment:

EUR → SEPA
GBP → FPS
Any other currency → DOMESTIC

Change the template manually in the form if needed.

Required Configuration

Before generating bank payments, make sure the payment method assigned to the financial account is configured correctly.

Financial Management > Receivables and Payables > Transactions > Financial Account

Open the Financial Account linked to the bank connection.
Go to the Payment Method tab.
Select the payment method used for bank transfers.
In the Payment OUT section, make sure Automatic Withdrawn is disabled (unchecked).

Warning

If Automatic Withdrawn is enabled, the system processes the withdrawal automatically and the Generate Bank Payment button does not appear on the Payment OUT record. Disable this option to allow manual bank payment initiation through Salt Edge.

Generating a Bank Payment

Financial Management > Receivables and Payables > Payment OUT

Open an existing Payment OUT record.
Click the Generate Bank Payment button.

A process form appears with the following pre-filled fields:

Field	Default Value	Description
Template	Based on currency	Payment template (SEPA, FPS, or DOMESTIC)
End-to-End	Document number	Unique reference for the payment (max 35 characters)
Creditor Name	Business Partner name	Name of the payment beneficiary
Amount	Payment amount	Amount to transfer
Currency	Payment currency	Currency of the transfer
Description	Payment description	Description of the payment
Creditor IBAN	Business Partner's IBAN	Required for SEPA and optionally for DOMESTIC
Creditor Account Number	Business Partner's account	Required for FPS, optional for DOMESTIC

Tip

The form values are automatically calculated from the Payment and Business Partner data. Make sure your Business Partners have their bank account information (IBAN or account number) configured for the best experience.

Review the values and click Done to initiate the payment.
A bank authorization popup opens where you must authorize the payment with your bank.

Warning

Do not close the popup until you have completed the authorization process with your bank. The payment cannot proceed without your authorization.
After completing authorization, you will see a confirmation page indicating that the payment has been registered.
Close the popup and return to Etendo. The payment status will be updated automatically.

Payment Status Lifecycle

After initiating a bank payment, it goes through several status stages:

Status	Description
Requested	Payment has been created in Etendo, pending submission to Salt Edge
Initiated	Payment request has been sent to Salt Edge
Authorizing	User is completing authorization with the bank
Authorized	User has authorized the payment at the bank
Processing	Bank is processing the payment
Executed	Payment has been successfully completed ✅
Settled	Payment has been settled by the bank ✅
Failed	Payment has failed ❌

Note

Once a payment reaches a final status (Executed, Settled, or Failed), it cannot be modified. If a payment fails, create a new payment attempt from the same Payment OUT record.

Viewing Bank Payments

All initiated bank payments are tracked in the Bank Payments tab of the Payment OUT record ( Financial Management > Receivables and Payables > Payment OUT). The key fields to monitor are Status, Status Detail (bank-specific notes), Amount, and Creditor Name. Use Refresh Payment to check the latest status on demand.

Refreshing Payment Status

Payment status is updated automatically through two mechanisms:

Automatic Updates (Webhooks)

Salt Edge sends automatic status notifications to Etendo whenever the payment status changes at the bank. These updates are processed immediately and the payment record is updated in real-time.

Info

Webhook updates happen automatically — no user action is required. When the bank processes your payment, the status in Etendo is updated within seconds.

Manual Refresh

If you want to check the latest status immediately:

Navigate to the Bank Payments tab.
Select one or more payment records.
Click the Refresh Payment button.
The system will query Salt Edge for the current status and update the record.

Tip

Use manual refresh when you want to verify the current status of a payment without waiting for the next automatic update.

Scheduled Automatic Refresh

The Refresh Pending Payments process runs every 10 minutes by default and acts as a safety net for any missed webhook notifications. To adjust the frequency, create a new Process Request for this process and unschedule the system-imported entry ( General Setup > Process Scheduling > Process Request).

Common Issues and Solutions

Connection and API Key

No API Key Available

Ensure your user has the Salt Edge API Key configured.
Check that the API Key is correct and active.

Invalid or expired API Key

Your API Key has expired or is no longer valid.
Contact your Etendo administrator or Etendo Support to obtain a new API Key.
Update the API Key in the User window (PSD2 API Key field).

Could not get redirect link

The bank connection service may be temporarily unavailable.
Try again in a few minutes. Contact support if the issue persists.

No new transactions found

Check your Import From/To Date configuration.
Verify that there are new transactions in your bank account and that the date range covers the expected period.

Rate limit or service temporarily unavailable

The system has exceeded the allowed number of API requests, or Salt Edge is undergoing maintenance.
These errors are transient — wait a few minutes and try again. Scheduled processes retry automatically.

Connection Status shows Disabled

A connection may show as Disabled due to authentication expiration, communication errors with Salt Edge, or temporary bank unavailability.

Run Synchronize Bank Connections (Financial Management > Receivables and Payables > Setup > PSD2 > Synchronize Bank Connections) to verify the connection health.
Execute Get Bank Statements again to see if the issue persists.
If still Disabled, click Reconnect Connection in the Bank Connections tab (see Reconnecting a Bank Connection).

Payment Initiation

Template Required / Creditor Name Required

The payment template could not be determined, or the Business Partner name is missing.
Ensure the payment has a valid currency and a Business Partner with a valid name assigned.

IBAN Required for SEPA

SEPA payments require the creditor's IBAN.
Configure the Business Partner's bank account with a valid IBAN.

SEPA Requires EUR / FPS Requires GBP / Sort Code or Account Number Required for FPS

SEPA payments only use EUR; FPS only uses GBP and requires both sort code and account number.
Check the payment currency, switch to the DOMESTIC template if needed, and verify the Business Partner's bank account details.

Payment status stuck in Initiated or Authorizing

The user may not have completed the authorization at the bank.
Click Refresh Payment to check the latest status. If the issue persists, check the Status Detail field for the bank's specific error message.

Bank authorization popup was blocked / Payment Not Found after returning from bank

Your browser may have blocked the popup — allow popups for the Etendo site and try again.
If the redirect failed, check the Bank Payments tab. The payment may have been processed correctly via webhooks.

Getting support

Before contacting support, check the PSD2 Logs window for error details, verify your API Key, and try the Reconnect Connection button for connection issues. When contacting Etendo Support, include the error message, relevant log entries (including JSON Info), the financial account affected, and the date and time of the issue.

Monitoring and Logs

The module provides two dedicated windows for monitoring integration activity.

PSD2 Logs

Financial Management > Receivables and Payables > Setup > PSD2 > PSD2 Logs

Displays all activity and error logs generated by the integration. Each entry includes:

Field	Description
Financial Account	The financial account associated with the event.
Execution Day	The date and time when the event occurred.
Status	The result of the operation (Success, Error, etc.).
Source	The process that generated the log (e.g., Get Transactions, Generate Payment).
Log	A human-readable description of the event.
JSON Info	The raw API response, useful for troubleshooting and support.

Tip

Filter by Financial Account and sort by Execution Day descending to quickly find the most recent events.

Bank Provider

Financial Management > Receivables and Payables > Setup > PSD2 > Bank Provider

Lists all banks available through Salt Edge. Each entry shows the Provider Code and Provider Name. Run Synchronize Bank Providers periodically (e.g., weekly) to keep this list up to date.

Best Practices

Leave Import From Date empty after the initial import — the system picks up from the last imported date automatically.
Check Status Detail when a bank payment fails — it contains the bank's specific error message before retrying.
Disconnect unused bank connections — connections removed here are deleted permanently from both Etendo and Salt Edge.

Additional Resources

This work is licensed under CC BY-SA 2.5 ES by Futit Services S.L.