5 PROCESSING A CREDIT TRANSACTION: A CREDIT PURCHASE

It is important that purchases are properly authorised. If they are not, anyone could order whatever goods they want for any reason. For example, a junior office clerk may decide to order a new computer from a supplier because they want a machine that is faster and more powerful than the one they currently have. However, this should be properly authorised by a suitably responsible person, such as a senior manager. The manager may decide that the computer used by the clerk is sufficiently good enough and therefore refuse to authorise the purchase.

5.1 PURCHASE REQUISITION

To authorise a purchase, it is usual to complete a form known as a purchase requisition. The form is prepared by the person requesting the goods, and is then signed by another person who has the authority to agree to the order being placed. (In much the same way, if an individual wants to obtain an item that is held in the warehouse, they may need to prepare a stores requisition, and have it authorised by an appropriate person.)

The authorised purchase requisition is then given to a person whose job it is to place the order with a supplier. Larger businesses may have a purchasing department, with buyers whose job is to place orders with suppliers on the best financial and credit terms available. In smaller businesses, orders may be authorised and placed by a senior manager.

5.2 PURCHASE ORDER

A purchase order is prepared and sent to the chosen supplier, after the details have been discussed with the supplier, and the sales price and credit terms agreed. Purchase orders should have a unique identification number (the purchase order number).

An example of a purchase order is shown below together with a description of its contents.

(a)
BLACKHILL FILES
742 St Anne's Way
York YO5 4NP
Telephone: 01904 27635
(b)Registered in England, No 1457893
PURCHASE ORDER
Printing Unlimited(c)
80 New High Street
Exeter
EX4 2LP
Date: 22 June 20X4
Order No: 35762(d)
Ref: T.Holmes(e)
(f)

Please print 25,000 labels at $10.50 from copy supplied per 1,000

Needed by 20 July 20X4

Payment within 30 days of delivery.

Delivery to: As above(g)
(a) Business name
This is the business name of the buyer.
(b) Registered office and business registration number
Most countries have legal requirements relating to disclosure of specified information. For example, in the United Kingdom, whenever a limited company uses its name on business letters or on documents, such as a purchase order, it must state its registered office and registration number. This disclosure is voluntary on invoices and credit notes. Note that individual countries may have slightly different requirements.
(c)/(g) Supplier name and address
This is where the purchase order is sent.
(d) Purchase order number
Each purchase order has a unique identification number.
(e) Business contact
This information allows a supplier to contact a named individual in the event of a query.
(f) Delivery date
It is important to specify the delivery date on a purchase order as it is possible that a supplier may not be able to send the goods when they are needed.
The purchase order is sent to the supplier, but a copy is retained by the buyer. Until the goods are delivered, this copy may be held in the purchasing department.

5.3 DELIVERY NOTE AND GOODS RECEIVED NOTE

When the goods are delivered, the supplier provides a delivery note. The employee taking the delivery, who may be a member of the stores or warehouse staff, should immediately check the delivery note details against the physical items that have been delivered. For example, if the delivery note states that 40 boxes of photocopier paper have been delivered, the boxes should be counted to make sure there are 40, and not just 39.

Delivery notes are not in a standard format, because each supplier has a different design of form, often in different paper sizes and colours. It is therefore quite common for the details of a delivery to be copied from the delivery note on to a goods received note. Extra details can be added on to a goods received note, such as the inventory identity numbers of the items delivered.

The next step is to check that the items delivered were actually what were ordered. This is done by comparing the details on the goods received note with the purchase order. If the supplier has supplied the wrong items, or the wrong quantity, the problem should be identified and resolved as soon as possible after delivery has been made -and certainly before the goods are paid for.

5.4 PURCHASE INVOICE

The supplier issues an invoice to the customer when the goods are delivered, or soon after, this is a purchase invoice which will be needed in the accounts department.

A purchase invoice is similar to a sales invoice, except that it is an invoice received from a supplier instead of an invoice issued to a customer. In fact, for the supplier of the goods or services, it is a sales invoice. This means that a purchase invoice is likely to have the words 'sales invoice' printed on it. A business receives invoices from many different suppliers, and so purchase invoices will be in different designs, sizes and colours, and the information they contain is set out differently by each supplier. An example of a purchase invoice is shown below.

PRINTING UNLIMITED

80 New High Street

Exeter

Devon EX4 2LP

Tel: 01747 852481 Fax: 01747 852749

SALES INVOICE
Customer:
Blackhill Files Ltd
742 St Anne's Way
York
YO5 4NP
Invoice No:80071
VAT reg No:298 5414 554
Order No:35762
Total $
Printing and supplying 25,000 labels at £10.50 per 1,000 from copy and supplied
262.50
Total
262.50

Terms: Net cash within 30 days

Checked by:
J. Smith
Expense code:
417
Supplier code:
2064
Approved by:
B. Brown

A purchase invoice is missing some items of information that the buyer needs to add. This additional information is added when the invoice has been received and when it is checked. In many cases, the information is added by stamping a grid-like box on to the invoice, or adding a stick-on label on the invoice. The box or label is used to add items of information such as

  • the signature or initials of the person who has checked the invoice, for example by checking the details against the purchase order and goods received note
  • a code identifying the nature of the expense
  • a code identifying the supplier
  • the signature or initials of the person who approves the invoice for payment.

ACTIVITY 2

A purchase invoice for a business that buys goods from a supplier is the sales invoice from the supplier. A business receives purchase invoices from its suppliers, and it keeps a copy of sales invoices that it sends to customers.

If you were shown a batch of sales invoices for your business and a batch of purchase invoices, how might they look different?

For a suggested answer, see the 'Answers' section at the end of the book.

5.5 PAYMENT AND REMITTANCE ADVICE

A member of the accounts department will check the details on the invoice against the purchase order. To do this, the purchase order and the invoice have to be matched together. If the purchase invoice shows the buyer's purchase order number, the task of matching the documents is made much easier and quicker.

If the invoice details appear to be correct, the invoice should be submitted for authorisation by a responsible person, possibly a senior manager. Usually, authorisation is given by means of adding a signature to the invoice.

The details of the authorised invoice are then recorded in the accounting system, and payment is made when the agreed credit period comes to an end.

When paying a purchase invoice, some businesses send a remittance advice with their payment. A remittance advice is a document giving details of the invoice that is being paid (or possibly, of several invoices that are being paid at the same time), including the supplier's invoice number. If any prompt payment discount has been deducted from the invoice amount in making the payment, this will also be detailed on the remittance advice. This will help the supplier to identify what the payment is for.

REMITTANCE ADVICE
Name and address of business the cheque is being sent to
To:
A.J. Broom & Co
59 Parkway
Manchester
M2 6EG
Name and address of business sending cheque
Business Name:Trail BlazersAddress:
Mount House
West Street
Manchester
M4 7FB
Tel:0161 484 6490Fax:0161 484 6491Sales tax reg no:32141108Date:15 Sept X3
Date
Your ref
Amount
$
Discount taken
$
Paid
$
15 Aug X3
68204
618.40
30.92
587.48
20 Aug X3
68210
426.94
21.34
405.60
Invoice amounts being paid
Cheque total
Total paid
£993.08
Cheque number
Cheque no
041261

ACTIVITY 3

Explain the purpose of the following sales documents, and list them in the order in which they are produced:

  • sales invoice
  • delivery note
  • remittance advice
  • sales order

Also, explain the purpose of the following purchase documents, and list them in the order in which they are produced:

  • goods received note
  • purchase order
  • purchase invoice

For a suggested answer, see the 'Answers' section at the end of the book.

Need for Goods/ServicesIdentifiedComplete PurchaseRequisition FormSubmit to Senior Manager/Authorized PersonPurchaseAuthorized?NoPurchase RequestRejectedYesSend to PurchasingDepartment/BuyerSelect AppropriateSupplierDiscuss Details, Price &Credit Terms with SupplierTermsAgreed?NoYesPrepare Purchase Order(with Unique PO Number)Send Purchase Orderto SupplierKey Participants• Requesting Employee• Senior Manager• Purchasing Department• SupplierAuthorization Required• Proper approval needed• Prevents unauthorizedpurchases• Controls spendingLegend:StartProcessDecisionRejectionComplete