Customer check

To perform a check-up on the customer, use the customer check function call. When you do this, you need to give e.g. the name, address and socialNo/companyNo of the end user. 

You can be able to receive valuable information regarding the customer from the acquirer. This information can help you to make the right choice with the customer. A customer check must be done prior to making an e-invoice.

Customer check is only available for acquirers Kreditor, Arvato and Aktiv Kapital Norway. A Kreditor customer check reserves funds on the customer's account and can be reversed. The Kreditor customer check reservation is valid for 7 days.

The purpose of the customer check is to provide extra safety for you by letting the acquirer perform a check-up on your customer before creating the actual invoice.

Exactly what is done differs from acquirer to acquirer and also for the same acquirer, depending on what type of invoicing it is.

The acquirer will receive the information about the customer from you and will then perform various activities, like retrieving the customer's official name- and address data. The key for finding the customer's official data goes through the social security number or organization number and customer number.

For some types of customer checks you can be able to retrieve the customer's official name- and address data. For others, you can update the acquirer's customer register with the name and address data of your customers.

Arvato Customer Check

There are currently two types of invoice payments for Arvato; the first is where Arvato buys the invoices. The second type is administrative invoices, where you update your copy of Arvatos' customer register with name and address data of your customers.
 
Arvato buys the invoices
 
These payments consists of a customer check and an invoice. The purpose of the customer check when Arvato buys the invoice is to let Arvato supply valuable customer information, such as the customer's official data, such as address information, first name, family name and so on. Arvato also supplies information about the current credit limits of the merchant and of the customer in question. Only if the customer check goes well, can an invoice be created.
 
The customer check is what it says it is; a check performed on the customer to make sure that it is credible. The customer check is though not to be viewed the same way as a credit card authorization. A credit card authorization reserves funds on the customer's account. A customer check where Arvato buys the invoice does not. It shows a snap shot of the customer's status.
 
Arvato administrative invoices
 
This type is very similar in the way you handle them. They are a bit different in reality though. The main difference in how you use this type is that you don't perform a credit check on your customer or receive information about your customer. Instead you update your copy of Arvato' customer register with the name and address information of you customer. The invoice is then created exactly the same way as when Arvato buys the invoice.
 
To create an Arvato customer check request to DIBS, use the following parameters. The parameters’ names are presented, their purpose, if they are required or optional and if there are any restrictions with the parameters – such as maximum string lengths.
 
Field name Description

billingFirstName

First name of the customer. Can for administrative invoices against organizations be set to a dummy value, since it will not be actively used. Though it is recommended that it is used. String 1-50 characters. (Required)

billingLastName

Last name of the customer. Can for administrative invoices against organizations be set to a dummy value, since it will not be actively used. Though it is recommended that it is used. String 1-50 characters. (Required)

billingAddress

Address of the customer. String 1-255 characters. (Required)

billingZipCode

Zip code of the customer. String 1-15 characters. (Required)

billingCity

Town of the customer. String 1-100 characters. (Required)

billingCountry

Country (English name of the country) of the customer. 2-digit ISO3166 code. E.g. SE. Only full country name ”Sweden” is also accepted. (Required)

eMail

The e-mail address of the customer. (Required)

ip

The IP-address. (Required)

method

Use this parameter and set its value to “invoice.paybybill”, to specify an Arvato invoice payment. (Required)

data

The items in the purchase given on the format [article number]:[article name]:[number of articles]:[price per article]: (Required)

currency

Currency of the payment (ISO-4217 ISO/SWIFT) E.g. “SEK”. (Required)

transID

Identification of the payment (e.g. an order number). (Optional)

extra

Extra parameters, to be saved at DIBS (URL parameter style).

invoiceNo: you can specify the invoice number by using the parameter invoiceNo. If you do not specify invoiceNo in the customercheck, you must do it in the einvoice. String 1-20 characters. (Dependant)

orderNo: The ordernumber that will end up on the invoice. String 1-20 characters. (Optional).

socialNo: Swedish social security number of the customer. Either socialNo or companyNo must be used. String 10 characters. (Dependant)

companyNo: The organization number of the customer. Either socialNo or companyNo must be used. String 10 characters. (Dependant)

VAT: The VAT parameter must be used to enter value added tax onto invoices. VAT is a colon-separated and colon-terminated string, which indicates VAT per item for the different items in the data parameter. If, for example, the VAT on three different items is £0.4, £0.3 and £1.8, respectively, VAT should contain the value “40:30:180:”.

Note that the prices entered in the data are always inclusive of VAT. Note that if the parameter “separator” is used, then it's value must be the separator in the VAT parameter. (Mandatory)

invoiceReferenceText[n]: where n is a number. Start with 1 and increase by one for every new row that is wanted on the invoice. Can be used if end-user specific information needs to be printed on the invoice (such as login information for instance). String 1-80 characters each. (Optional)

invoiceType: Specifies whether to use the type of invoice handling where Arvato buys the invoice or when you use administrative invoices. ”1” for the first type and ”2” for the second. Observerve that if you want to be able to use both invoices that Arvato buys and administrative invoices, you need a ledger for each. You cannot just mix the invoices of the two types. (Dependant).

ledgerName: Can be used to specify that the invoice belongs to a certain ledger. (Dependant).

companyName: The name of the company to invoice. Must be used if you are performing an administrative invoice against an organization. (Dependant).

customerNo: Your reference number of your customer. Should be used. If it is not used, DIBS will create a for you random number. That will make it harder to indentify the customer and the invoice. (Dependant).

invoiceReferencePerson: The name of our reference that will end up on the invoice. Aka OurRef. String 1-20 characters. (Optional).

invoiceCustomerReference: The name of your reference that will end up on the invoice. Aka CustomerRef. String 1-20 characters. (Optional).

profile: A parameter that tells the acquirer how they should handle the invoice. It is typically not necessary to use this parameter. Correct default values will be used if the parameter is not used. The default profile value for Arvato is ”2”. (Optional).

The MAC parameter should be included in the extra string. For this call MAC base formula 3 should be used: X('data¤cy&[referenceData&]SecretKey&') Observe that the name “extra” is never explicitly used in the calls, only the wanted parameters and their values.

Returned parameters

Field name Description

resultCode

Return code of the function call. This may be an error code. See Return Codes.

verifyID

DIBS’s reference number (used when contacting DIBS).

amount

The amount that later can be used in th e-invoice.

acquirerResponseCode

The acquirer's response code for the customer check. Contact DIBS for the latest code list.

acquirerFirstName

The official first name of the customer, provided by the acquirer. Only applicable for when Arvato buys the invoice.

acquirerLastName

The official first name of the customer, provided by the acquirer. Only applicable for when Arvato buys the invoice.

acquirerAddress

The official adress of the customer, provided by the acquirer. Only applicable for when Arvato buys the invoice.

acquirerZipCode

The official zip code of the customer, provided by the acquirer. Only applicable for when Arvato buys the invoice.

acquirerCity

The official city of the customer, provided by the acquirer. Only applicable for when Arvato buys the invoice.

acquirerMerchantLimit

The acquirer's remaining credit limit for the merchant. Only applicable for when Arvato buys the invoice.

acquirerConsumerLimit

The acquirer's remaining credit limit for the customer. Only applicable for when Arvato buys the invoice.

acquirerErrorDescription

If there was an error or decline from the acquirer, this field can provide an explanation.

 

Aktiv Kapital Norway Customer Check

Customer checks (and e-invoices) work exactly the same way for Aktiv Kapital Norway as they do for AK Finans Sweden.

Differences between AK Finans Sweden and Aktiv Kapital Norway.

Field name Description

method

Use this parameter andset its value to “invoice.aknorway”, to specify an Aktiv Kapital Norway invoice payment. (Required)

currency

Currency of the payment(ISO-4217 ISO/SWIFT) E.g. “NOK”. (Required)

extra

Extra parameters, to be saved at DIBS (URL parameter style).

socialNo: Norwegian social security number of the customer. Either socialNo or companyNo must be used. String 11 characters. (Dependant)

companyNo: The organization number of the customer. Either socialNo or companyNo must be used. String 11 characters. (Dependant)

profile: A parameter that tells the acquirer how they should handle the invoice. It is typically not necessary to use this parameter. Correct default values will be used if the parameter is not used. The default profile value for Aktiv Kapital Norway is ”1”. (Optional).

Observe that the name “extra” is never explicitly used in the calls, only the wanted parameters and their values.

 

Kreditor customer check

The Kreditor payment service is an invoice based payment solution making it possible for the customer to get an instant credit. In communication the payment is very similar to that of a creditcard transaction with some exceptions. Kreditor also offers the possibility to use part payments (payment by installments), and merchants can contact Kreditor to set up various campaigns.

Kreditor payments consist of a customer check and an invoice transaction, also, a customer check can be reversed and an invoice can be refunded. The purpose of the customer check is to let Kreditor check if they want to buy the invoice. To decide this Kreditor uses customer information such as address information, name, social security number. The invoice transaction can be performed only if the customer check is successful.

The Kreditor customer check is a check performed on the customer to make sure that it is credible, and is to be viewed as an authorization. A Kreditor customer check reserves funds on the customer's account and can be reversed. The reservation is valid for 7 days.

If a customer check is successful then an e-invoice transaction can be sent up to 7 days later using the DIBS Server solution or the DIBS Manager. Also, a customer check can be reversed and an invoice can be refunded using the DIBS Server solution or the DIBS Manager.

To create a Kreditor customer check request to DIBS, use the following parameters. The parameters’ names are presented, their purpose, and if they are required or optional.

Field name

Description

billingFirstName

First name of the customer. 1-50 characters. (Required)

billingLastName

Last name of thecustomer. 1-50 characters. (Required)

billingAddress

Address of the customer. 1-255 characters. (Required)

billingZipCode

Zip code of the customer. 1-15 characters. (Required)

billingCity

Town of the customer. 1-100 characters. (Required)

billingCountry

Country (English name of the country) of the customer. 2-digit ISO3166 code. E.g. SE. Can currently only be one of the following values SE/IT/FR/DE/GB/DK/FI/NO. (Required)

eMail

The e-mailaddress of the customer. (Required)

ip

The IP-address. (Required)

method

Use this parameter and set its value to “invoice.kreditor”, to specify a Kreditor customer check. (Required)

data

The items in the purchase given on the format [article number]:[article name]: [number of articles]:[price per article]: (Required)

currency

Currency of the payment (ISO-4217 ISO/SWIFT) E.g. SEK. Can currently only be one of the following values SEK/NOK/EUR/GBP/BBD/DKK. (Required)

transID

Identification of the payment (e.g. an order number). (Required)

extra

Extra parameters (URL parameter style), to be saved at DIBS and sent to Kreditor.

socialNo: Swedish or Norwegian social security number of the customer. Social security number is a specific number in every country given by birth or when turning 18 and usually used for all kind of credit rating. Often used when applied for accounts in banks and similar. 10 characters. Either socialNo or companyNo must be used. (Dependant)

companyNo: The organization number. 10 characters. Either socialNo or companyNo must be used. (Dependant)

email: The customer's email address. (Required)

VAT: The VAT parameter must be used to enter value added tax onto invoices. VAT is a colon-separated and colon-terminated string, which indicates VAT per item for the different items in the data parameter. If, for example, the VAT on three different items is £0.4, £0.3 and £1.8, respectively, VAT should contain the value “40:30:180:”. Note that the prices entered in the data are always inclusive of VAT. Note that if the parameter “separator” is used, then it's value must be the separator in the VAT parameter. (Required)

invoiceNo/referenceNo: You can specify an invoice reference number by using one of the parameters invoiceNo or referenceNo. The invoice reference number is sent to Kreditor if present. It is recommended to use the invoice reference number, e.g. in order to keep track of the invoices in Your system. 1-20 characters. (Optional)

shipmentFirstName: Use this parameter if the shipment information differs from the customer billing information. If not specified, this field defaults to the corresponding billing information field. For more details see the corresponding billing field description. (Optional)

shipmentLastName: See the information for field ”shipmentFirstName”. (Optional)

shipmentAddress: See the information for field ”shipmentFirstName”. (Optional)

shipmentCity: See the information for field ”shipmentFirstName”.(Optional)

shipmentZipCode: See the information for field ”shipmentFirstName”. (Optional)

phoneNo: Customer's phone number. (Optional)

cellNo: Customer's cell phone number. (Optional)

kreditorFlags: Special parameter that can be sent to Kreditor. Contact Kreditor or DIBS for more details. (Optional).

billingLanguage: Language used by Kreditor for billing purposes. Defaults to the value of the billingCountry field. Can currently only be one of the following values SV/IT/FR/DE/EN/DA/FI/NB. (Optional)

socialNoEncoding: The country for the given social security number. Defaults to the value of the billingCountry field. Can currently only be one of the following values SE/NO. (Optional)

referencePerson: Merchants can set a reference person for a Kreditor invoice purchase. (Optional)

referenceCode: Merchants can set a reference code for a Kreditor invoice purchase. (Optional)

campaign: Merchant's campaign number, used with part payments (payment by installments). Contact Kreditor to set up various campaigns. Numeric value. (Optional)

salary: If a campaign is used and the total payment amount is more than 20 000 SEK then the customer's annual salary is mandatory. Numeric value. (Depandant)

shipmentType: Shipment type. If not specified, this parameter defaults to value 1, Normal Shipment. Can only be one of two values: 1/2, 1 = Normal Shipment, 2 = Express Shipment. Contact Kreditor or DIBS before using Express Shipment. (Optional)

OCR: Merchants can set their own OCR number for an invoice by using this parameter. If an OCR number is used, it is either appointed by Kreditor or by the merchant. The OCR number is a unique number for each purchase specifically designed for automatic processing of payments. Contact Kreditor for more details on how to use and calculate the OCR number. (Optional)

If the MAC parameter is used, it should be included in the extra string. For this call MAC base formula 3 should be used: X('data¤cy&[referenceData&]SecretKey&')

Returned data
Field name Description

resultCode

Return code of the function call. This may be an error code. See Return Codes.

resultText

Returns a short text explaining the result code. See Return Codes.

verifyID

DIBS’s reference number (used when contacting DIBS).

amount

The amount that later can be used in the e-invoice call.

acquirerAuthResponseCode

Kreditor's unfiltered customer check response code. The merchant must be enabled to receive this code. Contact DIBS for the latest code list.;

acquirerAuthCode

For a successful Kreditor customer check call this value holds the reservation number returned from Kreditor. The merchant must be enabled to receive this code.

 

Kreditor reversal

A Kreditor customer check reserves funds on the customer's account and can be reversed. Only full amount reversal is supported. To reverse a Kreditor customer check, send an authorization reversal request to DIBS with the following parameters.

Field name

Description

verifyID

DIBS’s reference number, as returned from the customer check call.

extra

Extra parameters (URL parameter style), to be saved at DIBS and sent to Kreditor.

transID: Identification of the payment. Must be the same value as used in the customer check call. (Required)

amount: Total amount of the payment as returned from the customer check call, VAT included. Numeric value. The amount must be given in pence, cents, etc. (Required)

If the MAC parameter is used, it should be included in the extra string. For this call MAC base formula 1 should be used: X('verifyID&SecretKey&')

Observe that the name “extra” is never explicitly used in the calls, only the wanted parameters and their values.

Returned data
Field name Description

resultCode

Return code of the function call. This may be an error code. See Return Codes.

resultText

Returns a short text explaining the result code. See Return Codes.

verifyID

DIBS’s reference number (used when contacting DIBS).

amount

The total amount of the reversal, VAT included.

 

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