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 agreement application on a website hosted by PayEx. A link to the application website can be embedded within your own "My Site", as a part of your onboarding process of new customers or sent to existing customers i.e. via sms or e-mail. In the application form 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 by PayEx 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.

Customer data including RegNo/nationalIdentifier (SSN) needs to be sent to PayEx in connection with the application as it is the identifier used by Autogiro.. The consent is stored in xml-format at PayEx.

Example of URL structure: https://www.mypayex.com/application/direct-debit-sign-up-se/<LedgerNumber>/register
LedgerNumber = The company number in PayEx ledger system

Using returnUrl allow the customer to be sent back to the specified URL, i.e. the company's homepage, enabling a seamless onboarding experience. When you link your users to the registration page, include the ?return=<your_url> query parameter in the URL. This allows the user to be redirected back to the specified URL once the registration process is completed. Example of returnUrl: ?returnUrl=https://companyhomepage.com/

After the user completes the registration, the provided returnUrl will include an additional status query parameter indicating the result:

• Status=success (Registration was successful)
• Status=fail (Registration failed)
• Status=cancel (The user canceled the registration using the "Cancel" button)

Example of returnUrl status: https://companyhomepage.com/?status=success

ReturnURL must use the HTTPS protocol. If the URL contains invalid characters or uses an unsupported protocol (e.g., HTTP instead of HTTPS), it will not be accepted. In such cases, the user will be redirected back to the registration page without the returnUrl query parameter.

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.

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.

E-faktura internet bank B2C Finland

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 invoices business to business (B2B) electronically directly into a business customer's ERP system (e.g through EHF, EDI or Svefaktura)

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

If distribution is set to EInvoiceB2B, the following information is mandatory in the invoiceSpecification:
- quantity
- unit
- unitPrice

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.