SAP S/4HANA Cloud Public Edition offers two credit management licensing options. Basic Credit Management provides essential functionality for credit checks and limits. Advanced Credit Management adds automation, external integrations, and sophisticated approval workflows. Understanding these differences helps you select the appropriate solution for your business requirements.
Find an overview of the capabilities of the two licensing options in SAP Credit Management in SAP S/4HANA Cloud Public Edition:
- Basic Credit Management (BD6)
- Advanced Credit Management (1QM)
Also see this overview on the Help Portal: Advanced Credit Management
Note that the overview in this blog post reflects the knowledge of the author at the time of writing it. Changes and updates to the scope items might not be reflected in this blog post.
Overview
Any feature included in Basic Credit Management is also available in Advanced Credit Management.
| Topic | Basic Credit Management | Advanced Credit Management |
| Business Partner Relationships | Define relationships for a business partner manually | Import Credit Account Hierarchies |
| Credit Check | Perform credit checks | |
| Credit Limits | Set credit limits for a business partner manually |
|
| Risk Class | Set the risk class for a business partner manually | Derive the risk class automatically from the internal score |
| Score | Manual maintenance of the score |
|
| Automation | No automation. | Use the credit event / follow-on process functionality |
| Integration | No integration. Manual maintenance of external credit information |
|
| Documented Credit Decisions | Process sales orders or sales deliveries blocked in credit management as documented credit decision without approval hierarchies | Define hierarchies for the approval process of documented credit decisions (DCDs). |
| Key Figures | Calculate basic payment behavior key figures |
Calculate basic and advanced payment behavior key figures More information: How the Key Figures in Credit Management Are Calculated |
| Analytics | Display and evaluate credit management data such as credit limit utilization, credit exposure | Credit Management Reporting: analytical app to visualize real-time insights into SAP Credit Management |
