Wiki source code of Supplementary features

Last modified by frn on 2023/09/22 11:36

2.1	1	= Introduction =
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	3	(% class="jumbotron" %)
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	7	This section covers additional features and functions of PayEx Invoice Service, that are not part of the base service. If you want to add additional features to your Invoice Service package please contact us for more information!
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	10
80.9	11	== Automatic payment service ==
2.1	12
80.10	13	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.
2.1	14
38.1	15	N.B. Can only be used if specially contracted with PayEx, contact us to learn more.
24.1	16
80.10	17	When the customer apply for the automatic payment service PayEx handles the consent.
	18	You retrieve information about activated/deactivated consents in Customer Journal (depending on service set up).
69.1	19
50.1	20	By default, an active consent means that the next invoice produced will use the the automatic payment method.
31.1	21
	22	(% lang="EN-US" %)
	23	To use automatic payment service, your customer needs to apply in any of the following ways:
	24
	25	(% lang="EN-US" %)
80.12	26	- The automatic payment sign up via the customers internet bank.
31.1	27
	28	(% lang="EN-US" %)
80.12	29	- The automatic payment sign up via the service providers app/web site, etc. (depending on service/country)
80.11	30
	31	(% lang="EN-US" %)
48.1	32	- Using the Electronic agreement application provided by PayEx, see below.
31.1	33
	34	(% lang="EN-US" %)
80.10	35	Please note that different customer information is required for different counties, in order for direct debit to work
	36
	37	(% lang="EN-US" %)
	38	Sweden:
	39
	40	* RegNo/nationalIdentifier (SSN) needs to be sent to PayEx as it is the identifier used by Autogiro
84.1	41	* Only numeric characters and not with a leading zero may be used in CustomerNo
80.10	42
	43	Norway:
	44
	45	* KID-number (Kundeiidentifikasjon) is the identifier used by AvtaleGiro
80.12	46	* KID-number is generated by PayEx, no additional customer information needs to be sent to PayEx in order for AvtaleGiro to work
80.10	47
	48	Denmark:
	49
	50	* CustomerNo is the identifier used by Betalingsservice
80.12	51	* No additional customer information needs to be sent to PayEx in order for Betalingsservice to work
80.10	52
	53	(% lang="EN-US" %)
50.1	54	=== Electronic agreement application (Sweden) ===
31.1	55
	56	(% lang="EN-US" %)
50.1	57	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.
31.1	58
	59	(% lang="EN-US" %)
80.13	60	The customers RegNo/nationalIdentifier (SSN) needs to be sent to PayEx as it is the identifier used by Autogiro
80.1	61
	62	(% lang="EN-US" %)
87.1	63	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.
31.1	64
	65	(% lang="EN-US" %)
38.1	66	N.B. Can only be used if specially contracted with PayEx, contact us to learn more.
31.1	67
50.1	68	(% lang="EN-US" %)
	69	=== Electronic agreement application (Norway) ===
	70
	71	(% lang="EN-US" %)
80.13	72	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>>url:https://www.mastercardpaymentservices.com/norway/utvikler/pvuoverview]]
50.1	73
	74	(% lang="EN-US" %)
80.15	75	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.
50.1	76
	77	(% lang="EN-US" %)
80.13	78	The HTML form on your website interact 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>>url:https://www.mastercardpaymentservices.com/norway/utvikler/pvugetstarted]]
	79
80.15	80	In order for AvtaleGiro sign up to work a unique KID-number needs to be created for every customer.
80.14	81
82.1	82	KID number at PayEx always consists of 12 digits by default, e.g.(% style="font-family:Calibri,sans-serif; font-size:11pt" %) (% style="background:yellow; font-family:Calibri,sans-serif; font-size:11pt" %)1234567(% style="background:lime; font-family:Calibri,sans-serif; font-size:11pt" %)0000(% style="background:aqua; font-family:Calibri,sans-serif; font-size:11pt" %)X
80.15	83
80.14	84	(% style="margin:0cm" %)
82.1	85	(% style="background:yellow; font-family:Calibri,sans-serif; font-size:11pt" %)7 digits (%%)= customer number sent to PayEx
80.14	86
	87	(% style="margin:0cm" %)
85.1	88	(% style="background:lime; font-family:Calibri,sans-serif; font-size:11pt" %)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)
80.14	89
	90	(% style="margin:0cm" %)
89.1	91	(% style="background:aqua; font-family:Calibri,sans-serif; font-size:11pt" %)1 digit (%%)= control digit
80.14	92
	93
	94	(% style="margin:0cm" %)
82.1	95	Modulus 10 is used as algorithm to calculate the control digit.
80.14	96
89.1	97	(% style="margin:0cm" %)
	98	Learn more about modulus and how to generate KID here: [[https:~~/~~/www.mastercardpaymentservices.com/norway/utvikler/kid>>url:https://www.mastercardpaymentservices.com/norway/utvikler/kid]]
80.14	99
89.1	100
80.13	101	(% lang="EN-US" %)
50.1	102	N.B. Can only be used if specially contracted with PayEx, contact us to learn more.
	103
2.1	104	(% id="HVerifiedpayment-Verifieratbetalsatt" %)
63.1	105	== Verified payment - Verifierat betalsätt ==
2.1	106
38.2	107	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.
2.1	108
38.2	109	N.B. Can only be used if specially contracted with PayEx, contact us to learn more.
26.1	110
38.2	111	This is achieved by activating or deactivating direct debit as part of the verified payment service in the PaymentRule element of the CUSIN file.
	112
26.1	113	Payment Rules:
	114	UseBGAGSE = Autogiro (Sweden)
	115	UseBKAGNO = AvtaleGiro (Norway)
	116
10.1	117	Set Value to 1 for activation and Value to 0 for deactivation.
2.1	118
	119	{{code language="xml" title="Payment rule Autogiro"}}
	120	<CUSIN>
	121	<CUSINInfo>
	122	<PaymentInfo>
	123	<Set>
	124	<PaymentRules>
	125	<PaymentRule Rule="UseBGAGSE">
	126	<Value>1</Value>
	127	</PaymentRule>
	128	</PaymentRules>
	129	</Set>
	130	</PaymentInfo>
	131	</CUSINInfo>
	132	</CUSIN>
	133	{{/code}}
	134
16.1	135	== E-Invoice - eFaktura ==
2.1	136
	137	The eFaktura service enables distribution of bills electronically, either to a customer's online banking system or directly to a business ERP system.
	138
70.1	139	=== E-invoice internet bank B2C ===
2.1	140
59.1	141	To distribute and get paid via the online banking system the customer needs to give their consent in the internet bank.
2.1	142
38.1	143	N.B. Can only be used if specially contracted with PayEx, contact us to learn more.
17.1	144
47.1	145	When the customer applies for the service PayEx handles the consent and you will retrieve information about activated/deactivated consents in Customer Journal.
25.1	146
48.1	147	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.
46.1	148
73.1	149	=== eFaktura internet bank B2C Norway only ===
58.1	150
	151	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.
	152
	153	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:
	154
	155	* SSN, //or//
	156	* 2 of 3 of the following: Phone number, e-mail, zip code
	157
	158	N.B. Can only be used if specially contracted with PayEx, contact us to learn more.
	159
	160	When the customer applies for the service PayEx handles the consent and you will retrieve information about activated/deactivated consents in Customer Journal.
	161
	162	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.
	163
74.1	164	=== Vipps eFaktura Norway only ===
22.1	165
23.1	166	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.
22.1	167
28.1	168	Thereby both eFaktura and Vipps Regning are defined as EInvoiceB2CSE.
23.1	169
38.1	170	N.B. Can only be used if specially contracted with PayEx, contact us to learn more.
25.1	171
47.1	172	When the customer applies for the service PayEx handles the consent and you retrieve information about activated/deactivated consents in Customer Journal.
23.1	173
48.1	174	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.
	175
64.1	176	=== E-Invoice B2B ===
	177
	178	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.
	179
	180	N.B. Can only be used if specially contracted with PayEx, contact us to learn more.
	181
	182	If invoice distribution in cusin is set to EInvoiceB2B, the following information is mandatory in the EDIInfo:
	183	- Customer VAN
	184	- Buyer ID
	185	- Seller ID
	186
	187	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.
	188
2.1	189	(% id="HVerifieddistribution-Verifieratdistributionssatt" %)
64.1	190	== Verified distribution - Verifierat distributionssätt ==
2.1	191
39.1	192	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.
2.1	193
39.1	194	N.B. Can only be used if specially contracted with PayEx, contact us to learn more.
27.1	195
39.1	196	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.
	197
27.1	198	Distribution Rules:
39.1	199	UseEInvoiceB2CSE = E-faktura (Sweden)
27.1	200	UseEInvoiceB2CNO = eFaktura (Norway)
39.1	201	UseEInvoiceB2CFI = EInvoice (Finland)
	202
12.1	203	Set Value to 1 for activation and Value to 0 for deactivation.
2.1	204
30.1	205	N.B. No activation is needed if distribution is made by B2B EDI (DistributionType EInvoiceB2B is used).
27.1	206
2.1	207	{{code language="xml" title="Distribution rule eFaktura"}}
	208	<CUSIN>
	209	<CUSINInfo>
	210	<DistributionInfo>
	211	<Set>
	212	<BillTypes>
	213	<BillType DistributionBillType="I_Invoice">
	214	<DistributionRules>
	215	<DistributionRule Rule="UseEInvoiceB2CSE">
	216	<value>1</value>
	217	</DistributionsRule>
	218	</DistributionsRules>
	219	</BillType>
	220	</BillTypes>
	221	</Set>
	222	</DistributionInfo>
	223	</CUSINInfo>
	224	</CUSIN>
	225	{{/code}}
	226
65.1	227	== Kivra (Sweden only) ==
20.1	228
61.1	229	To distribute via Kivra, your customer needs to sign up for a Kivra account.
	230
	231	N.B. Can only be used if specially contracted with PayEx, contact us to learn more.
	232
	233	When the customer applies for the service PayEx handles the consent and you will retrieve information about activated/deactivated consents in Customer Journal.
	234
	235	An active consent will set distribution method to Kivra and override any DistributionType set in Cusin.
	236
51.1	237	== Settle surplus payment ==
	238
	239	(% class="wikigeneratedid" %)
	240	If an invoice is paid in excess, a credit is created. PayEx supports automatic settlement on the receivables instead of disbursement.
	241
	242	(% class="wikigeneratedid" %)
	243	The credit amout can be used to either:
	244	- settle an overdue invoice, or
54.1	245	- to be deducted from the amout to be payed on the next invoice (typically applicable when billing of subscription services).
51.1	246
	247	(% class="wikigeneratedid" %)
	248	N.B. Can only be used if specially contracted with PayEx, contact us to learn more.
	249
	250	== Unpaid costs in arrear ==
	251
	252	If only the original capital amout is paid on an invoice claim, fees and interest remain to be paid.
	253
53.1	254	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).
51.1	255
	256	N.B. Can only be used if specially contracted with PayEx, contact us to learn more.
	257
2.1	258	== Invoice layout ==
	259
	260	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.
	261
	262	=== Adding logotype ===
	263
	264	To use your own logotype for invoices generated by PayEx Invoice Service you need to send a logotype image to [[setup.invoice@payex.com>>mailto:setup.invoice@payex.com]] together with customer identification.
	265
	266	(% class="table-bordered table-striped" %)
	267	\|=Property\|=Description
	268	\|Format\|.jpg or .pcx
	269	\|Resolution\|300 DPI or higher is highly recommended
	270	\|Max Height\|1,7 cm
57.1	271	\|Max Width\|8 cm
2.1	272
	273	=== Editing invoice columns ===
	274
	275	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.
	276
76.1	277	Read more about [[editing invoice colums here>>doc:Main.Invoicing.invoice-service.Implementation guide.Invoice columns.WebHome]]. To see extended details of example columns of different length, please visit the [[Invoice layout examples >>doc:Main.Invoicing.invoice-service.Implementation guide.Invoice columns.Invoice layout examples.WebHome]]section.
2.1	278
	279	=== Customised invoice layout ===
	280
40.1	281	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.
2.1	282
40.1	283	== Late fee ==
	284
41.1	285	(% data-placeholder="Översättning" dir="ltr" id="tw-target-text" %)
44.1	286	Companies and authorities can be charged a Late fee immediately after the due date has passed. The fee replaces the reminder and collection fee.
40.1	287
41.1	288	(% dir="ltr" %)
	289	To use Late fee LegalEntity must be set to Business.
	290
40.1	291	N.B. Can only be used if specially contracted with PayEx, contact us to learn more.
	292
79.1	293	== Invoice attachment ==
43.1	294
	295	(% data-placeholder="Översättning" dir="ltr" id="tw-target-text" %)
79.1	296	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.
43.1	297
	298	(% dir="ltr" %)
	299	To use Invoice attachment a pdf-document is required consisting of one or more pages.
	300
	301	N.B. Can only be used if specially contracted with PayEx, contact us to learn more.
	302
55.1	303	== Protected Identity (Sweden only) ==
	304
	305	(% data-placeholder="Översättning" dir="ltr" id="tw-target-text" %)
93.1	306	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.
	307
	308	(% data-placeholder="Översättning" dir="ltr" %)
90.1	309	In order to distribute invoices and letters by mail, ProtectedIdentity must be set which allows special postal distribution service handled by Skatteverket.
55.1	310
93.1	311	(% data-placeholder="Översättning" dir="ltr" %)
	312	ProtectedIdentity must be set in combination with a correct RegNo in order for postal distribution via Skatteverket to work.
	313
55.1	314	(% dir="ltr" %)
93.1	315	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.
90.1	316
2.1	317	(% id="HPayExConnectAPI" %)
88.1	318	== PayEx Invoice Service API ==
2.1	319
88.1	320	PayEx Invoice Service API is a REST API integration that enables access to PayEx services in a controlled and secure manner.
	321	Access to this service requires explicit permissions on a organizational level and implementation of token based authentication for each specific ledger.
2.1	322
38.1	323	N.B. Can only be used if specially contracted with PayEx, contact us to learn more.
	324
88.1	325	Learn more about PayEx API:s [[here>>doc:Main.Invoicing.invoice-service.invoice-service-apis.WebHome]]
2.1	326
88.1	327	Using API as an add-on to Cusin file integration for Invoice Service will give you access to the following API:s
2.1	328
88.1	329	* Customer
	330	* Invoice