S-Net Business is an e-banking solution designed to facilitate the financial management of your professional activities. It is primarily targeted at self-employed individuals, SMEs, and organisations.

Yes, using S-Net Business is completely free. Any fees related to specific products and transactions still apply.

No, S-Net Business is currently only available on desktop.

1. A consolidated view of accounts and cards for each of your business entities.
2. Entry of single and bulk transfers, with the ability to easily duplicate them.
3. Management of recurring payments (permanent orders and direct debits).
4. An intuitive and centralised view of all payment orders submitted by the users.
5. Multiple validations of payment orders in accordance with the power of authority rules.
6. Shared management of beneficiaries.
7. Customization options for each business entity.

Two types of users can access S-Net Business:

1. Statutory signatories of business entities, including those holding eligible professional products (they are the only ones authorized to activate S-Net Business).
2. Mandate holders of business entities.

Only transfer orders can be duplicated (for all statuses except "Draft").

Simply click the "Duplicate" button in the order details. The initial order is then copied and enters edit mode. The desired execution date is set to the current date by default.

These are bulk transfer orders where entry or modification was interrupted, either by exiting the entry form or after automatic disconnection following a period of inactivity.

To be validated, these orders must be completed or modified first.

There are various reasons why you might not be able to confirm an order:

• You do not have power of authority to confirm it. The "Transmit" button will appear instead of the "Confirm" button.
• You have already validated this order, but it requires one or more additional validations. The status of the order is "Pending Counter-Validation".
• The order is not yet finalised for validation. The status of the order is "Draft".
• The current state of the business entity no longer allows for the validation of payment orders. Please contact your advisor to identify the exact cause(s).

If an order is not completely validated, it can be modified or cancelled in the "Orders to confirm" in the menu "Order Monitoring" section.

Once an order is completely validated, the following cases apply:

1. For a transfer order: It can be cancelled or modified if it is still "to be counter-validated" for a future date. Managing these orders is done either via the "Manage" button in the details of each validated order or via the "Future movements" section of the relevant accounts. Please note that any modification of an order invalidates all previous validations.
2. For a standing order creation or modification: It can no longer be modified in the "Order Monitoring" section and immediately moves to the "Processed" status in the "Order History" tab. Active permanent orders are then managed exclusively via the "Recurring payments" section under the "Payments" menu.

Bulk transfer orders are currently not eligible for instant payments. They are executed exclusively on business days between 7 AM and 6 PM.

When a user initiates a payment to a new beneficiary, the beneficiary is automatically saved in the list of beneficiaries for the professional entity.

Automatically saved beneficiaries must be authenticated by a signatory or a proxy to become a "trusted beneficiary."

Yes, all users of the same professional entity share and manage the same list of beneficiaries.

A trusted beneficiary is a beneficiary that has been authenticated by a signatory or proxy via LuxTrust authentication. They are identified by a blue sticker. Any order initiated to an authenticated beneficiary is automatically exempt from LuxTrust authentication during its validation (or counter-validation, if applicable).

Please note that the professional entity's own accounts are considered trusted beneficiaries by default but are not visible in the beneficiary management menu.

Any modification made to a trusted beneficiary invalidates its LuxTrust authentication. Therefore, to regain the trusted status, the beneficiary must be re-authenticated by a signatory or proxy of the professional entity.