Overview
Mandatory
Contract-financing.api
The contract-financing API is used to handle the financed contracts between PayEx and the Lessor.
Before the end customer can be offered a financed operational lease, the contract value has to be approved by PayEx.
CustomerBilling file
The CustomerBilling file is used by the Lessor to bill/invoice the Consumer/Lessee in advance.
Based on the information in the file and earlier invoiced unpaid debt, PayEx produces a Lessor branded invoice, reminder 1, reminder 2 or CollectionClaim owned by PayEx.
Receipt CustomerBilling file
A receipt-file will be produced stating the result of the CustomerBilling file process
Errorlog CustomerBilling file
If the CustomerBilling file contained transactions that was not handled an errorlog will be produced
AccountJournal-file
The account journal file is a general file common for all account-based services at PayEx. In the contract-financing domain the file is used to communicate Consumers/Lessees that do not pay the debt regarding previous leasing periods to PayEx. The Lessor has to monitor the Account journal file and listen for the ClaimEvent "SecondReminderSent". If this claim event is received on the Consumer/Lessee, then the consumer/Lessee must be invoiced the total remaining contracted value at the next monthly invoice-, bill-run unless the ClaimEvent "ClaimProcessReset" has been received on the Consumer/Lessee before the next invoice-, bill-run has occurred.
CustomerJournal-file
The Customer Journal file is a general file common for all account-based services at PayEx. In the contract-financing domain the file is used to communicate changed status and events on Consumer level e.g. updated payment method or new legal address. The Lessor has to monitor the Customer Journal file including storage of the latest status change meaning that the Lessor and PayEx has the same status on specific Consumer. Entries in the Customer Journal file could stem from events such as:
A new legal address has been identified
Activation / deactivation of direct debit payment consent (autogiro)
Activation / deactivation of eInvoice B2C (e-faktura)
That the end customer has been registered as deceased
Clearing and settlement
Clearing and settlement runs once a day weekdays handling contract transactions (Activation and Credits) and other agreed charges made previous day.
Monthly reconciliation
A monthly reconciliation process has to be implemented securing that the Lessor and PayEx having the same value of the unbilled contract values.
Optional
Account.api
The Account api can be implemented in order to visualize the Lessee's current unpaid debt, invoices, reminders and collection claims in the Lessor's portal for "My Pages".