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Payment Providers - CrediCare - Basic Information

Updated

Introduction

If you want to choose CrediCare as your payment provider to integrate it with the Perfect Gym Software, this article is for you. Here, you will find answers to these questions:

  1. What is CrediCare?
  2. What is the scope of integration between CrediCare and PerfectGym?
  3. What do you have to provide for the integration to succeed?

What is CrediCare?

It is a payment solution operating in Nordic countries. CrediCare deals with payment processing done in a similar way to the Direct Debit. It also executes debt collection and invoicing - also called e-invoicing or e-invoice - go to this article for more information on this payment method.

The process is as follows: after choosing CrediCare, your club members have to agree to the automatic debiting of their bank accounts. At this stage, their Direct Debit account number is being created. Then, after a club member's purchase, bookings are created and accepted, and an xml file is generated. On this basis, invoices are generated and sent to the club members. 

What is the scope of integration between CrediCare and PerfectGym?

  1. User flow overview - ATG registration feature in PG
  2. Invoice generation and synchronization
  3. Direct Payment 

User flow overview - ATG registration feature in PG

  1. The User registered an account in the club (PG system) via the Client Portal application:
    • The user chose the Direct Debit payment method which initializes ATG registration process
    • ATG registration is processed by redirecting the user to the Nets registration app https://pvu.nets.no/ecsa/start. During registration, PG informs Nets about KID  number for the first future invoice.
    • Nets inform PG system if user sign ATG Agreement - by the URL “status” parameter during redirecting.
      There is a possibility to add a paper invoice if the club member didn't provide an ATG agreement. Club employee has to add direct debit payment source on member profile with the below parameters: account number 0000000 (7 zeros) and bank code = 000000 (6 zeros). More about payment source adding. 
  2. PG System excludes users from invoicing for the next 3 days, up to processing ATG agreement between Nets and CrediCare.
  3. During the only first monthly invoicing PG system use the same KID number as for ATG signup.
  4. Each invoice sent to CrediCare has DueDate as + 14 days from the invoice generation date.
  5. The invoices file is uploaded to the SFTP folder indicated by CrediCare
  6. CrediCare sends to the dedicated SFTP folder information only about paid invoices. PG system reads those files and settles results on user profiles.

Invoice generation and synchronization

  • We have only one invoicing session in a month for club member
  • For invoicing in a particular month, we send only transactions from the current month. With due date up to the last day of the current month.
  • Debt from previous could not be included, because those transactions are moved to the Debt Warning / Debt Collecting process by Credi Care.
  • The same transaction could not be included in more than one CrediCare invoice.
  • In the case of a club member has age < 18, in the system must exist the “parent” member with a payment source related to the ATG agreement. That payment source is assigned to the “child” contract. As a result, during invoicing, the “parent” data (name, address) is used to generate invoice documents. Each line of the invoice item should contain the name + last name of the child in such a case.

Generally, CrediCare is implemented in PG as a Direct Debit provider. It means that the e-invoice generation process is handled through the standard Direct Debit interface. Each customer can generate an invoice on any day of the month.

Due to CrediCare or wider e-invoicing nature, there shouldn’t be a possibility to generate DD bookings which contains not paid transaction from previous months. Why? To avoid duplicated invoices.

Currently, there is no possibility to use CrediCare as a debt collector for club members who have another payment method than Direct Debit (CrediCare). PG creates (and send) e-invoice once a direct debit booking is accepted. If the customer has another payment method chosen, no invoice is created.

Currently, there is no possibility to generate a manual e-invoice for a picked transaction. On the other hand, there is a possibility to add a manual transaction on the user level which will be included in a booking session (and an invoice generated)

Direct Payment

  • The debit transaction included in CrediCare invoicing could be paid by users in PG System.
  • PG System is obligated to inform CrediCare about payment for not paid invoices created by PG System.
  • Technically this requirement is realized by DP file - uploaded to SFTP folder indicated by CrediCare.
  • This operation is necessary to avoid charging club member twice ( by PG and CrediCare) for the same debit transaction, as well for avoiding vindication by CrediCare for transaction paid

What do you have to provide for the integration to succeed?

These three agreements have to be signed at least three weeks prior to presale:  

  • OCR-agreement – activation of the service in their company’s online bank -> Log in using menu option “payment” at the top of the page.   
  • ATG-agreement – sent from CrediCare to the customer the customer confirms that the data provided is correct 
  • Agreement for electronic initiation of services – sent from CrediCare to the customer the customer confirms that the data provided is correct 

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