SAP SD Credit Management – Complete Overview
with Configuration
What is Credit Management in SAP SD?
Credit Management ensures that companies don’t exceed the customer’s credit limit,
helping reduce the risk of bad debts.
When customers place an order, SAP checks:
● Open orders
● Open deliveries
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● Open billing
● Open payments
And compares it with their credit limit.
Types of Credit Management
Type
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System Notes
Classic Credit ECC / S/4HANA Uses T-code FD32, credit control area,
Management (optional) risk category
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FSCM Credit S/4HANA Advanced credit checks, automatic
Management (recommended) scoring, BP integration
1. Classic Credit Management (ECC Style)
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Key T-Codes:
● FD32 – Maintain customer credit master
● OB45 – Define Credit Control Area
● OB38 – Assign Company Code to Credit Control Area
● OVA6 – Define credit check for sales document types
● OVA8 – Credit check configuration
● VKM* – Credit release transactions
Configuration Steps
Step 1: Define Credit Control Area
● T-code: OB45
● Assign currency, risk category, and organizational units
Step 2: Assign Credit Control Area to Company Code
● T-code: OB38
Step 3: Assign Credit Control Area in Sales Area
● SPRO → SD → Basic Functions → Credit Management → Assign Sales Area
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Step 4: Define Risk Category
● OB01
Step 5: Maintain Customer Credit Master
● FD32
○ Overview
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○ Central Data (credit limit, currency)
○ Status (payment history)
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Step 6: Configure Credit Checks
● OVA6 → Assign Credit Check to Sales Document Types (e.g., OR)
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● OVA8 → Define Automatic Credit Control:
○ Static
○ Dynamic
○ Open items
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○ Check reaction (error, warning, block)
✅ Step 7: Assign Credit Group to Delivery/Billing Types
● Delivery Type: OVAK
● Billing Type: OVAM
2. New FSCM Credit Management (SAP S/4HANA)
FSCM (Financial Supply Chain Management) offers advanced, automated,
and real-time credit decisions.
Key Benefits:
● Integration with Business Partner (BP)
● Rule-based credit checks
● Credit scoring
● Workflow-based credit approval
● Centralized across multiple company codes
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FSCM Configuration Steps
Step 1: Activate Credit Management (FSCM)
● SPRO → FSCM → Credit Management → Integration with AR → Activate Credit
Management
Step 2: Define Credit Segments ris
● SPRO → FSCM → Credit Management → Master Data → Define Credit Segments
(Usually one per company code or group)
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Step 3: Maintain Business Partner Master
● T-code: BP
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● Roles: FLCU00 (FI customer), FLCU01 (Sales), UKM000 (Credit)
Step 4: Assign Credit Segment to BP
● Inside BP → Role UKM000 → Assign segment and credit limit
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Step 5: Define Automatic Credit Check Rules
● SPRO → FSCM → Credit Management → Credit Risk Monitoring → Define Rules
Step 6: BADI Implementation (Optional)
● For custom logic, implement UKM_CHECK BADI
Credit Check During Sales Order
When a sales order is created:
● SAP checks if the exposure + current order > credit limit
● If exceeded → system blocks the order (based on config in UKM_BP, OVA8, or BADI)
● Credit manager releases it via UKM_MY_DCDS or workflow
Key Tables for Credit Management
Table Description
KNKK Customer master credit
management
UKMBP_CMS_SGM Credit segment data for BP
S066 / S067 Credit exposure tables
VBRK / VBRP Billing documents
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VBAK / VBAP Sales orders
UKM_CASE FSCM Credit Case data
Classic vs FSCM Credit Management
Feature
Master Data
a
Classic
Customer (FD32)
risFSCM
Business Partner (BP)
Config Base Credit Control Credit Segment
Area
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Check Logic Static, Dynamic Rules + Workflow
Credit VKM1–VKM4 UKM_MY_DCDS
Release
M
Customizatio Limited Extensible with BADIs
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Automation Manual High (scoring, approval,
workflow)
