Introduction

Automatic payment service

Automatic payment service (direct debit) enables automatic payments that debit your customer's bank account on the invoice due date. If the bank account lacks coverage, up to three attempts will be made before a reminder is sent to your customer. 

N.B. Can only be used if specially contracted with PayEx, contact us to learn more.

When the customer apply for the automatic payment service PayEx handles the consent.
You retrieve information about activated/deactivated consents in Customer Journal (depending on service set up).

By default, an active consent means that the next invoice produced will use the the automatic payment method.

To use automatic payment service, your customer needs to apply in any of the following ways: 

- The automatic payment sign up via the customers internet bank.

- The automatic payment sign up via the service providers app/web site, etc. (depending on service/country)

- Using the Electronic agreement application provided by PayEx, see below.

Please note that different customer information is required for different counties, in order for direct debit to work

Sweden:

• RegNo/nationalIdentifier (SSN) needs to be sent to PayEx as it is the identifier used by Autogiro
• Only numeric characters and not with a leading zero may be used in CustomerNo

Norway:

• KID-number (Kundeiidentifikasjon) is the identifier used by AvtaleGiro
• KID-number is generated by PayEx, no additional customer information needs to be sent to PayEx in order for AvtaleGiro to work

Denmark:

• CustomerNo is the identifier used by Betalingsservice
• No additional customer information needs to be sent to PayEx in order for Betalingsservice to work

Electronic agreement application (Sweden)

The customer access the service application on a website hosted by PayEx. You may offer the Electronic agreement service within your own "My Site" or as a part of your onboarding process of registering as a new customer. A link to the website can also be sent to the customer i.e. via sms or e-mail.

The customers RegNo/nationalIdentifier (SSN) needs to be sent to PayEx as it is the identifier used by Autogiro

The customer fills in social security number and bank account number from which the money is to be deducted, reviews the information related to the agreement and then submits by signing with BankID. The agreement is then sent to BGC and the consent will be visible in both the customers internet bank and on the customer information in PayEx web interface when activated. The consent is stored in xml-format at PayEx.

N.B. Can only be used if specially contracted with PayEx, contact us to learn more.

Electronic agreement application (Norway)

The customer access the direct debit sign up as an HTML form on your website. The customer authenticates with BankID, choose bank account from which the money is to be deducted, fills monthly amout limit, reviews the information related to the agreement and then submits by signing with BankID. The agreement is forwarded to the bank for confirmation and will be visible in both the customers internet bank and on the customer information in PayEx web interface when activated. For further information about the concept please visit: https://www.mastercardpaymentservices.com/norway/utvikler/pvuoverview

You may offer the Electronic agreement service within your own "My Site" or as a part of your onboarding process of registering as a new customer. A link to the form can also be sent to the customer e.g. via sms or e-mail.

The HTML form on your website inter​act with the E-Agreement via an http post. A guide how to set up the web form and http post is found here: https://www.mastercardpaymentservices.com/norway/utvikler/pvugetstarted

In order for AvtaleGiro sign up to work a unique KID-number needs to be created for every customer.

KID number at PayEx always consists of 12 digits by default, e.g. 12345670000X

7 digits = customer number sent to PayEx

4 digits = used at PayEx for invoice serial number per customer and ledger (may also be filled out with all zeroes when generating KID, i.e. in sign up for AvtaleGiro)

1 digit = control digit

Modulus 10 is used as algorithm to calculate the control digit.

Learn more about modulus and how to generate KID here: https://www.mastercardpaymentservices.com/norway/utvikler/kid

N.B. Can only be used if specially contracted with PayEx, contact us to learn more.

Verified payment - Verifierat betalsätt

With Verified payment the change to automated payments through Autogiro/AvtaleGiro is activated only when the payment rules in the CUSIN file is changed accordingly. This verification ensures that i.e. the customer invoice fee is correct at all times.

N.B. Can only be used if specially contracted with PayEx, contact us to learn more.

This is achieved by activating or deactivating direct debit as part of the verified payment service in the PaymentRule element of the CUSIN file.

Payment Rules:
UseBGAGSE = Autogiro (Sweden)
UseBKAGNO = AvtaleGiro (Norway)

Set Value to 1 for activation and Value to 0 for deactivation.

E-Invoice - eFaktura

The eFaktura service enables distribution of bills electronically, either to a customer's online banking system or directly to a business ERP system. 

E-invoice internet bank B2C

To distribute and get paid via the online banking system the customer needs to give their consent in the internet bank.

N.B. Can only be used if specially contracted with PayEx, contact us to learn more.

When the customer applies for the service PayEx handles the consent and you will retrieve information about activated/deactivated consents in Customer Journal.

An active consent will set distribution method to e-invoice and override any DistributionType set in Cusin, meaning that by default the next invoice produced will use the specified distribution method.

eFaktura internet bank B2C Norway

eFaktura 2.0 is a "one click applies to all"-solution used by the norwegian online banking system. To use eFaktura 2.0 the customer needs to give their consent to the service in the internet bank.

In order to make eFaktura 2.0 available as a distribution method on a specific customer PayEx will do lookups in Nets eFaktura Service alias register. Therefore, these alias parameters (perfect match) must be sent to PayEx in order to generate a match to each specific customer at Nets. The following rules outline which alias combinations will return a match when doing lookups:

• SSN, or
• 2 of 3 of the following: Phone number, e-mail, zip code

N.B. Can only be used if specially contracted with PayEx, contact us to learn more.

When the customer applies for the service PayEx handles the consent and you will retrieve information about activated/deactivated consents in Customer Journal.

An active consent will set distribution method to e-invoice and override any DistributionType set in Cusin, meaning that by default the next invoice produced will use the specified distribution method.

E-faktura internet bank B2C Sweden

The customer apply for e-faktura (e-invoice) and give consent in their internet bank.

RegNo/nationalIdentifier (SSN) needs to be sent to PayEx as it is the identifier used by e-faktura.

Vipps eFaktura Norway

Customer using eFaktura automatically has the possibility to use Vipps Regning. Regardless of whether the customer apply for Vipps Regning or eFaktura they will receive the invoice electronically both in their Vipps app and in their online bank as eFaktura.

Thereby both eFaktura and Vipps Regning are defined as EInvoiceB2CSE.

N.B. Can only be used if specially contracted with PayEx, contact us to learn more.

When the customer applies for the service PayEx handles the consent and you retrieve information about activated/deactivated consents in Customer Journal.

An active consent will set distribution method to e-invoice and override any DistributionType set in Cusin, meaning that by default the next invoice produced will use the specified distribution method.

E-Invoice B2B

You can distribute bills business to business (B2B) electronically. To retrieve and import bills directly into a business customer's ERP system (e.g through EHF, EDI or Svefaktura) you need to send a technical specification of the necessary requirements from the receiving system, in order for PayEx to verify format and structure.

N.B. Can only be used if specially contracted with PayEx, contact us to learn more.

If invoice distribution in cusin is set to EInvoiceB2B, the following information is mandatory in the EDIInfo:
- Customer VAN
- Buyer ID
- Seller ID

If any of these values is not supplied, an error is created and the invoices will not be distributed B2B. As fallback an invoice copy will be distributed by postal service to the customers Billing Address.

Verified distribution - Verifierat distributionssätt

With Verified distribution the change to electronic distribution through E-Invoice B2C is activated only when the distribution rules in the CUSIN file is changed accordingly. This verification ensures that i.e. the customer invoice fee is correct at all times.

N.B. Can only be used if specially contracted with PayEx, contact us to learn more.

This is achieved by activating or deactivating E-Invoice B2C as part of the Verified distribution service in the DistributionRule element of the CUSIN file.

Distribution Rules:
UseEInvoiceB2CSE = E-faktura (Sweden)
UseEInvoiceB2CNO = eFaktura (Norway)
UseEInvoiceB2CFI = EInvoice (Finland)

Set Value to 1 for activation and Value to 0 for deactivation.

N.B. No activation is needed if distribution is made by B2B EDI (DistributionType EInvoiceB2B is used).

Kivra (Sweden only)

To distribute via Kivra, your customer needs to sign up for a Kivra account.

N.B. Can only be used if specially contracted with PayEx, contact us to learn more.

When the customer applies for the service PayEx handles the consent and you will retrieve information about activated/deactivated consents in Customer Journal.

An active consent will set distribution method to Kivra and override any DistributionType set in Cusin.

Settle surplus payment

If an invoice is paid in excess, a credit is created. PayEx supports automatic settlement on the receivables instead of disbursement.

The credit amout can be used to either:
- settle an overdue invoice, or
- to be deducted from the amout to be payed on the next invoice (typically applicable when billing of subscription services).

N.B. Can only be used if specially contracted with PayEx, contact us to learn more.

Unpaid costs in arrear

If only the original capital amout is paid on an invoice claim, fees and interest remain to be paid.

PayEx supports handling of unpaid costs in arrear by billing the remaining costs at the same time as the next invoice is created (typically applicable when billing of subscription services).

N.B. Can only be used if specially contracted with PayEx, contact us to learn more.

Invoice layout

You can tailor you invoice according to your business needs - from adding you company logotype to editing invoice columns and request a more thorough customization.

Adding logotype

To use your own logotype for invoices generated by PayEx Invoice Service you need to send a logotype image to setup.invoice@payex.com together with customer identification.

Editing invoice columns

You have the possibility to specify the structure and presentation of your invoice columns. This is done directly you CUSIN file that you send to PayEx.

Read more about editing invoice colums here. To see extended details of example columns of different length, please visit the Invoice layout examples section.

Customised invoice layout

If you want to have a customised layout that goes beyond the general framework presented above, you can use PayEx' customised layout. This supplemental service enable a wider range of options to create a tailor made invoice template. This service is set up together with PayEx in order to create and verify templates. Please contact us for more information regarding this service.

Late fee

Companies and authorities can be charged a Late fee immediately after the due date has passed. The fee replaces the reminder and collection fee.

To use Late fee LegalEntity must be set to Business.

N.B. Can only be used if specially contracted with PayEx, contact us to learn more.

Invoice attachment

PayEx Invoice Service offers the possibility to add invoice attachments/enclosures. The attachment will be produced as an extra page following the invoice document. Attachments can be distributed both electronically and by postal service.

To use Invoice attachment a pdf-document is required consisting of one or more pages.

N.B. Can only be used if specially contracted with PayEx, contact us to learn more.

Protected Identity (Sweden only)

Private individuals can be registered with the status of Protected identity at the Swedish Tax Agency (Skatteverket), meaning the personal data such as name and address are protected and not available in public population register.

In order to distribute invoices and letters by mail, ProtectedIdentity must be set which allows special postal distribution service handled by Skatteverket.

ProtectedIdentity must be set in combination with a correct RegNo in order for postal distribution via Skatteverket to work.

N.B. Every end customer with protected identity must have ProtectedIdentity set at all times, regardless of preferred distribution method, as this also sets the label of protected identity as a customer status displayed in GUI, etc.

PayEx Invoice Service API

PayEx Invoice Service API is a REST API integration that enables access to PayEx services in a controlled and secure manner.
Access to this service requires explicit permissions on a organizational level and implementation of token based authentication for each specific ledger.

N.B. Can only be used if specially contracted with PayEx, contact us to learn more.

Learn more about PayEx API:s here

Using API as an add-on to Cusin file integration for Invoice Service will give you access to the following API:s

• Customer
• Invoice