Setup
Here you can define both the credit card ledger account and the clearing (transit) account for the export.
Setting: Post credit card receipts via vendor and limitations
With this option, credit card expenses in the export are treated as creditor-based entries. In your accounting tool, the expenses are recorded through the creditor account of the respective business partner. The subsequent credit card charge is posted against the credit card account, before the settlement is made through the clearing account.
Important: Creditor postings of credit card receipts do not support the XML format. Only the DATEV CSV format can be used. It is not possible to export invoices in XML format and credit card invoices in CSV format at the same time.
Comparison: Direct posting vs. Vendor posting
Aspect | Direct posting (non-creditor) | Creditor posting |
Booking | Expense to credit card account | Creditor to expense → Creditor to credit card account → Credit card account to clearing account |
Transparency | Credit card balances visible, but no open items at creditor | Open items at creditor and clean settlement of the credit card |
Bank reconciliation | Credit card account ↔ Clearing ↔ Bank | Credit card account ↔ Clearing ↔ Bank |
Export compatibility | DATEV XML format, ADDISON XML format | DATEV CSV format only |
Manual effort | Easier, but no open item tracking | More posting steps, but better creditor-level overview |
Example Postings in Comparison
A) Direct Posting (non-creditor)
Assume a hotel stay was paid with the Candis credit card (1,000 € incl. 19% VAT).
1. Receipt booking
Debit (expense account, e.g. 4660 Travel expenses accommodation 19% VAT): 1,000 €
Credit (credit card account, e.g. 1360): 1,000 €
The transaction is posted directly against the credit card account, without involving a creditor.
1. Settlement of the credit card account via clearing
Debit (credit card account, e.g. 1360): 1,000 €
Credit (clearing account, e.g. 1590): 1,000 €
2. Bank debit
Debit (bank account, e.g. 1200): 1,000 €
Credit (clearing account, e.g. 1590): 1,000 €
No open items arise at the supplier level; only the credit card account is used.
B) Creditor-Based Posting
Assume the same hotel stay (1,000 € incl. 19% VAT) is posted creditor-based.
1. Incoming invoice (exported from Candis)
Debit (expense account, e.g. 4660 Travel expenses accommodation 19% VAT): 1,000 €
Credit (creditor Hotel XY): 1,000 €
An open item arises for creditor Hotel XY.
1. Credit card charge
Debit (creditor Hotel XY): 1,000 €
Credit (credit card account, e.g. 1360): 1,000 €
The open item with the creditor is cleared, and the credit card account increases.
1. Settlement of the credit card account via clearing
Debit (credit card account, e.g. 1360): 1,000 €
Credit (clearing account, e.g. 1590): 1,000 €
2. Bank debit
Debit (bank account, e.g. 1200): 1,000 €
Credit (clearing account, e.g. 1590): 1,000 €
Open items with the supplier are transparent, and the credit card charge is clearly balanced via clearing and bank.