# Execute EBICS payments: VEU and email authorization

Configure EBICS Payment submit: bank VEU (default) vs email 2-factor when VEU is off; multi-admin approval to disable VEU; change history.

Configure how Cortena hands EBICS payment batches to your bank: keep **Submit to bank VEU** (default: payments wait at the bank for co-signature) or turn VEU off so Cortena uploads only after **email 2-factor** confirmation. You cannot turn off both. Disabling VEU needs every **Full access** admin on the workspace to approve.

Setup and statement sync: [EBICS with Cortena](https://help.cortena.ai/guides/integrations/ebics).  
Email confirm UI when the email gate is on: [Authorize EBICS payments via email](https://help.cortena.ai/guides/integrations/authorize-ebics-payments-email).

**Who this is for:** Full access admins who manage EBICS bank connections and decide whether payments park in the bank’s VEU queue or require Cortena email authorization before upload.

## 1. Where to configure payment submit

1. Open **Settings → Integrations → Banking → EBICS**.
2. Select the ready connection.
3. Under **Payment submit**, use the two checkboxes:
   - **Submit to bank VEU**
   - **Require Cortena email authorization**

## 2. Default: send to the bank for VEU approval

With **Submit to bank VEU** on (the default), Cortena uploads the payment order so it is **parked at the bank** for co-signature (VEU). Cortena does **not** co-sign: finish approval in your bank software.

You can optionally turn **Require Cortena email authorization** off while VEU stays on. Then Payments can use **Send to bank (VEU)** and skip the Cortena email step. The order still waits in the bank VEU queue.

## 3. Turn VEU off: email 2-factor required

If you want Cortena to upload payments that are already fully authorized in-band (no bank VEU parking), turn **Submit to bank VEU** off.

Rules:

- **Require Cortena email authorization** stays on and cannot be turned off while VEU is off.
- Payments then use the email confirmation flow before Cortena sends the order to the bank (see [Authorize EBICS payments via email](https://help.cortena.ai/guides/integrations/authorize-ebics-payments-email)).
- You **cannot** disable both VEU and email.

## 4. Multi-admin approval when disabling VEU

Turning **Submit to bank VEU** off is a sensitive change. If the workspace has more than one **Full access** admin, **every** Full access admin must approve the request in Cortena before VEU is actually disabled. Enabling VEU again is immediate (no multi-admin gate).

### Starter (admin who unchecks VEU)

After you start the change, the connection shows a yellow banner such as **Disable VEU pending admin approval: 1/2 Full access admins approved.** The VEU checkbox stays locked until the request finishes or is cancelled. You can **Cancel request**.

![Disable VEU pending: view for the admin who started the request](https://help.cortena.ai/assets/img/help/execute-ebics-payments-veu/01-veu-disable-pending-initiator.png)

### Other Full access admins

Each remaining Full access admin opens the same EBICS connection and clicks **Approve disable**. The banner updates the approval count (for example 1/2 → complete when the last admin approves).

![Disable VEU pending: second Full access admin with Approve disable](https://help.cortena.ai/assets/img/help/execute-ebics-payments-veu/02-veu-disable-pending-approver.png)

### VEU change history

Use **VEU change history** on the Payment submit section to open the audit log (who approved, when, and that VEU submit was disabled).

![VEU change history after both admins approved](https://help.cortena.ai/assets/img/help/execute-ebics-payments-veu/03-veu-change-history.png)

## Tips and limitations

- **Full access** (admin) is required to change these toggles and to approve a VEU-off request.
- Cancel a pending disable anytime with **Cancel request**. VEU stays on.
- After VEU is off, email authorization is mandatory for EBICS payment upload.
- Related: [EBICS with Cortena](https://help.cortena.ai/guides/integrations/ebics), [Authorize EBICS payments via email](https://help.cortena.ai/guides/integrations/authorize-ebics-payments-email), [SEPA vs international payment batches](https://help.cortena.ai/guides/integrations/sepa-international-payments).

## Quick reference

| Task | Where |
| --- | --- |
| VEU / email toggles | Settings → Integrations → Banking → EBICS → Payment submit |
| Approve or cancel VEU disable | Same connection → yellow banner |
| Audit trail | Payment submit → VEU change history |
| Email confirm after VEU off | Payables → Payments → Authorize via email |