What: For the Outgoing SEPA Credit Transfer payments it should be possible to have a Value date in the future. E.g. if a Payment is initiated after specific cut-off-time e.g. 3 p.m. on a day D, all payments initiated after 3 p.m. should have a Value date D+X, Booking date D.
Why: According to the regulatory requirements - Payment Service Directive 2 (Article 78, 83) it is not allowed to charge interest e.g. on the overdraft staring day D, tenants are obliged to start calculating interest from the date D+X