Brukerhåndbok autogiro
Contents
1. 4 4 credit debit Payer s 8 amp 1 Payee s Bank accounting data accounting data Bank Bank s data Bank s data center center 8 8 The main points of the process 1 Payer must be notified of the payment Payee and payer can agree on a periodic notification or use the underlying contract 2 Payee data sender sends a file with information about the payment to Nets The file may contain payments due 12 months into the future 3 Nets checks the received file and makes a receipt of registered transmissions available in data sender mailbox for customers using e net or sends an e mail according to agreement The receipt will be sent to list receiver according named in the agreement 4 Transactions are settled in Nets on set due date Payer will be charged on due date and payee will be credited the same day Denied transactions will be printed out on an error list and sent payee by mail or in a file 5 Nets sends a notification to payer if so stated in the file s transaction record 6 Payee may choose to have Nets send the following information Approved settled transactions Denied transactions Authorization data 7 The total amount of settled subsidiary transactions will appear in payee s statement The amount will appear in the statement with Reference to payee s agreement ID in Nets Set text according to th2. nets amount applies Action Payee checks list 101121 Notification of authorization 3 AUTHORIZATION DOES NOT EXSIST The authorization is not registered User manual Autogiro v1 8 p 31 43 nets L 01121 NOTIFICATION OF AUTHORIZATION BANKENES BETALI NGSSENTRAL VARSEL OM FULLMAKTSFORHOLD AUTOGI RO 1 NETS DATO 30 08 97 KUNDE ID 908888888 NAVN A S BEDRIFTEN 88 AVTALE ID 0010999 NAVN A S BEDRIFTEN OPPDR KTO 9999 12 34567 99 3 DEBET 8 DEBITORS 7 GJELDER 6 SPERRET 4 5 9 FH 10 REFNR NAVN BEL PSGRENSE PERIODITET GKJ ARKIV REF 2 DEBET Fom dato tom Fom dato tom KONTNR dato dato NYE FULLMAKTER 19972410004 9999 00 1234 SMART KJELL 11 09 97 00 00 0 9 000 00 ARLIG 90000000 5 0 ENDREDE FULLMAKTER 19960170036 9999 00 1234 LUR KARI 02 09 97 00 00 0 36 000 00 RLIG 90000000 5 0 19971850007 9999 00 1234 BJ RK S C 02 09 97 00 00 0 3 000 00 ARLIG 90000000 5 0 SLETTEDE FULLMAKTER 19971250021 9999 00 1234 HER 20 05 97 01 09 9 12 000 00 90000000 5 MARIANNE 7 19971250021 9999 00 1234 BALTER GEIR 15 08 97 01 09 9 12 000 00 90000000 5 7 LISTENR 101121 MOTTAKER 000009 A S BEDRIFTEN UTSKRI FTSTI D 14 00 SIDENR 1 99 300897 Fig 9 This list documents the authorization status Description User manual Autogiro v1 8 p 32 43 nets Ha We ne Nets date for registering changing or 6 For certain period payer s bank may block the deleting authorizati
3. DATO 28 08 1997 KRONER 995 00 BLNK NR 884992564 User manual Autogiro v1 8 p 10 43 nets 1 9 Text on payer s statement It is possible to add a text to payer s statement to identify the transaction payee Set text Payee may state a set text max 30 positions in the autogiro agreement that is added to the payer s statement If this is not filled in the name on the agreement will be used Variable text Payee may state a variable text for used on payer s statement by filling in the field for external reference in the transaction record max 25 characters External reference will override set text 1 10 Description of authorizations An authorization from payer to payee is a prerequisite for autogiro The authorization gives payee the right to charge their outstanding debt to a named account The payee may choose between the following authorizations 1 The standard authorization states a maximum amount that the payee may charge payer for a certain period 2 The simplified authorization has no set amount limit or time frame This authorization requires that the payer shall receive a notification 8 workdays before the account is actually charged 3 If you do not wish to use the standard authorization contact the Nets Sales Support for a custom made authorization In addition the authorization must contain payer s and payee s name address and account numbers Payer must sign the authorization If payer wis
4. nets User manual Autogiro User manual Autogiro v1 8 p 1 43 Contents 1 1 AUTOGIRO AND ITS 5 assa sess aaa aaa aen nnn 3 1 2 SHORT DESCRIPTION OF THIS SERVICE ccccececeececeeeesseesucseeeerseteenestaeguggeenenseterterestsuggganenees 3 1 3 DEFINITIONS OF IMPORTANT WORDS AND 551 4 nana nn nane n 3 1 4 THE ROUTINE DESCRIBED IN 4 saa rere n arena 6 1 5 PENDING TRANSACTIONS cae rick ke ka a OR CR ata D DR RR CR G 7 1 6 AUTOGIRO AGREEMENT edes dada suet esate aerae dne rana nn nnn n 7 1 6 1 Payee payer s Dank reor fei eb ebd edt eb alega de pis 7 1 6 2 5 tee Dis med een 7 1 6 3 Payee s bank payer s bark eie roc ep PASE Ere res RAE rur ER FREUE 7 1 7 TERMINATION OF AGREEMENT CHANGING enne sese a aa ana nnn nn nnn 7 1 8 AUTOGIRO NOTIFICATION BEFORE CHARGING aaa aaa nnn nn 8 1 8 1 Payee notifies payer coco peer aa e Oca vera eden al hae da paga 8 1 8 2 Notification from Nets saradas Pace ev E ns EXE
5. PERIODE MOD KODE 3 FMAKT FINNES IKKE MNDLIG 3 Petter Smart FMAKT FINNES IKKE 3 FMAKT FINNES IKKE 3 FMAKT FINNES IKKE MNDLIG 3 Jan Luring EKSISTERER ALLEREDE MNDLIG 3 Pal Sine Hgner EKSISTERER ALLEREDE 3 TIL DATO PASSERT MNDLIG 3 Nina Glup EKSISTERER ALLEREDE 5 BEDRIFTEN UTSKRI FTS TID 30 08 97 SIDENR 1 Fig 8 If payee sends authorizations electronically Nets will check registered authorizations with already existing authorizations in the authorization register in Nets Description Nets date for registering authorizations 2 Payee s identification of payer according to the authorization This field is optional 3 Payer s account number Modulus code for figuring out control numbers for deb ref nr payer s ref no Name of payer according to the authorization 4 Code for how Nets handles the authorization S standard authorization 5 Maximum amount that may be charged within a set time period 6 Periodic code that indicates the time period the maximum User manual Autogiro v1 8 me Specification of reason for denied authorization Description of possible errors ALREADY EXSISTS The authorization is already registered in Nets Action Payee should check that the correct type of registration is stated in the authorization data new change or delete TO DATE HAS PASSED Attempted to change an authorization that has been deleted p 30 43
6. so that faulty handling of transmissions assignments or single transactions may be discovered immediately Nets recommends that payee keeps a personal ledger prepared by the software supplier data central for automatic updates of single transactions Nets can provide the data for automatic updates of the personal ledger that specifies all approved settled transactions and denied transactions Payee may also update their personal ledger based on received data The update should not be made before receiving settlement and receipt lists from Nets Transactions specified on the error list must be handled manually Payees that register the transactions manually may update their personal ledger based on the receipt lists for settled assignments Payee should make copies of all sent data User manual Autogiro v1 8 p 39 43 nets 1 17 6 Invoicing Autogiro invoicing is between payee and their bank Questions about prices invoicing must therefore be directed to your bank 1 17 7 Coverage control Before settlement payer s bank has the right to check payer s account to ensure coverage of payment or check if there are any other reasons why the transaction should not go through Payer s bank or Nets is not responsible for prioritizing the payments Denied transactions will be documented on list 101102 with the reason for denial Transactions denied because of lack of coverage may be retried with repeat payment 1 17 8 Repeat of au
7. 18 05 01 Tidsfrist endret til kl 14 00 virkedagen for belastningsdato Corrections deletions 18 05 01 Deadline changed to 1 pm work day before due date 1 4 1 19 2 Deadlines 18 05 01 JHA Deadline for receiving mailings changed to no later than 9 am on due date 1 5 Entire content of user manual is updated 26 10 07 MHE Given new version no 1 5 Updated definitions EN Added text about entering agreements aa MEINEN Punkt om sigill slettet User manual Autogiro v1 8 p 41 43 Deleted description and example of receipt list 100201 Added new text L200 L226 and example lists Described new receipt and check of mailings Deleted example of delivery note which has been reorganized Deleted L703 and description of entry data on paper since this no longer is an option as of 1 5 2009 Deleted description of check of received transmissions 17 f Assigned new version 040909 040909 1 10 4 It is possible to pre approve a mandate e eee I is restored 11 06 09 CI D is restored 11 06 09 Endret tekst pa liste L00202 lagt inn nytt eksempel Fra 16 10 09 sendes kvitteringen kun ved avviste oppdrag transaksjoner Altered text in list 100202 From 16 10 09 the receipt is only sent for denied assignments trransactions New example added Removed description and example of list LO1101 status waiting register The lists were removed 12 6 2009 Rephrased text about control of rec
8. P MINNELSER OCR GIRO TOTALSUM BET PAMINNELSER OCR GIRO TRANSAKSJONSTYPE BELASTN U MELDING BELASTN M MELDING BELASTN M VARSEL BELASTN M VARSEL OG MELDING LISTENR L0110 MOTTAKER 00000999 A S BEDRIFTEN UTSKRI FTS 2 TID Fig 5 Description of this list is on the following page User manual Autogiro v1 8 8 STATUS SENDT TIL REPETERING 1 7 000 00 50 000 00 00101455711 50 000 00 50 000 00 ANTALL 04 09 97 SIDENR 1 p 26 43 nets Nets will check the transactions with the authorization register and send them to be checked to ensure coverage on due date Transactions that are denied during the authorization routine and coverage control will be specified on this list If the payee uses the repeat routine all transactions that are denied in payer s bank will be specified on this list Transactions that are denied or settled after being repeated will be specified on this list An example of this on the following page Description of Fig 5 1 Nets date for settlement of transactions 2 Consecutive numbering of transactions in an assignment Stated by data sender 3 Identification of payer stated in the transaction must be identical to the one stated in the authorization e 4 Abbreviated name of payer e 5 The amount of single transactions denied during authorization check or transactions sent for repeat e 6 Payee s identification of transaction payer I
9. UCVERE DOE nd 8 1 8 3 Content of the errar ade ada eaa aenean nnn dan 8 1 8 4 Transmissions from 2 1 1 16 enn ena he aane eene a nn 8 1 8 4 1 Example of charge 9 1 9 TEXT ON P YER S STATEMENT nein PEE DUM OD RITE 11 1 10 DESCRIPTION OF AUTHORIZATIONS mena aaa aane nn nna nnn 11 1 10 1 The front page of the authorization emen 12 1 10 2 The back page of the authorization 1 memes 12 1 10 3 Authorization limits 1 21 emen ehem enn enne enn enne hane ndun 13 1 10 4 authorization 1 4 ununuran annn araras errar narra 13 1 10 5 Notification of new 14 1 10 6 Termination of 2 ee emen ne enne dan 14 1 10 7 Alteration of 1 ndun 15 1 11 CORRECTIONS DELETIONS sand care o d nee e e a Pa eb RUE a san Da CFR FETU Rc CR PE GE d
10. be used as payment between businesses For similar services for collecting payments electronically from private individuals see AvtaleGiro 1 1 Autogiro and its advantages Autogiro is an electronic payment service offer to both payer and payee Autogiro is adaptable to all payees with a set group of customers charged on a specific due date Autogiro services can only be used between businesses AvtaleGiro is an option when collecting payments on the private market Advantages for payee Payee does not have to send out invoices manually The amount is charged directly to payer s account on due date To avoid payment reminders you can choose to repeat the transaction 1 3 days Advantages for payer The payer will automatically be charged on due date 1 2 A short description of this service Autogiro is a collection routine where payee sends a file to Nets containing information about transactions to be charged automatically The files must contain information about payee s due payments Payee must inform the payer of the charges in advance Nets can inform payer if requested by payee In this case an agreement must be made between payee and their bank Payee must also acquire the necessary authorization to be able to charge payer s bank account The agreement is between the payee and their bank The agreement is sent Nets for registration 1 3 Definitions of important words and expressions Agreement ID A unique identif
11. from Nets A transmission starts with a start record for the transmission and ends with an end record for the transmission The transmissions are uniquely numbered from to data sender receiver Payer s reference id of transaction payee If this information is filled in the reference will show up on payer s statement Consecutive numbering of authorizations per assignment Stated by data sender Nets code for how the authorizations are handled Organization number or personal identification number personnummer or a unique NETS number Organizing the records Transactions belonging to the same agreement ID Account to be credited 4 43 Assignment number Transaction Transaction number Transaction type Waiting list User manual Autogiro v1 8 nets Consecutive unique numbering of assignments per agreement ID Stated by customer data sender A single posting in a bank account Consecutive numbering of transactions in the assignment Stated by customer data sender Nets code for how the transactions are handled Nets register where transactions are pending until due date p 5 43 nets 1 4 The routine described in detail Data sender Payment alert Payer 5 3 Payment alert Receipt list Error list 7 Bank Bank 7 statement A statement Accounting data
12. in payer s bank Action Payee must collect payment by other means 1 16 3 8 Sent as repeat payment This refers to payments that have been sent to be repeated Payee may have up to 3 repeat days according to agreement Action None but pay attention to see if these transactions show up as settled or denied after the repeat routine 1 16 3 9 Denied repeat payment Denied according to Nets rules to ensure coverage and repeat routines Action Payee must collect payment by other means or submit a new transaction According to agreement Nets may produce and send a payment reminder to payer User manual Autogiro v1 8 36 43 nets If payee is resending the transaction to Nets the amount limit and period must be sufficient to cover the payment and other payments in the same period e 101103 RECEIPT FOR AUTOGIRO CORRECTIONS Information about corrected assignments subordinary assignments and transactions Action Check if the list matches your corrections e 101105 ERROR LIST OF DENIED AUTHORIZATIONS Explains why new changed and denied authorizations sent Nets have been denied Action The list must be checked to correct mistakes e L01121 NOTIFICATION OF AUTHORIZATIONS Shows new changed and deleted authorizations Action Check list daily to make sure payee s authorization register matches Nets Pay close attention to the validity date From date is the first date that may be used as due
13. only in a certain time period If you wish to User manual Autogiro v1 8 p 11 43 nets extend the authorization this must be done at least one week before til dato 1 10 1 The front page of the authorization form FU L LMAKT FO R AUTOG RO UNDERTEGNEDE GIR HERVED MIN VAR BANK FULLMAKT TIL A BELASTE OPPGITT B LAG FO R B ETALI NGS M OTTAK E R KONTO FOR TILGODEHAVENDE TIL BETALINGSMOTTAKER MAKSIMUM S LES IN FORMASJON PA BLAN KETTENS BAKSI DE BEL P FOR PERIODEN KAN JUSTERES PGA PRISOKNING T O M DATO STED DATO BETALERS UNDERSKRIFT BETALERENS NAVN ADRESSE POSTNR STED BETALINGSMOTTAKERENS NAVN ADRESSE POSTNR STED 5 1 AVTALE ID 2 BETALERS REF NR BETALERENS BANKKONTO BETALINGSMOTTAKERS 7 6 3 1 MODULUS 10 1 DAG 4 KVARTAL K3 BEL PSGRENSE eks 00001 100 kr K1 MODULUSKODE 2 MODULUS 11 K2 PERIODEKODE 2 UKE 5 HALVAR HELE HUNDRE KRONER 00010 1000 M 3 NUMERISK KONTROLL 3 M NED 6 R 1 10 2 The back page of the authorization form UTDRAG FRA AVTALE REGLER OM BRUK AV AUTOGIRO FULLMAKTENS RAMME Betaler kan belastes for inntil avtalt bel p pr periode Betalingsmottaker m s rge for at betaler blir informert om hvilke bel p som blir belastet og n r belastningen finner sted TILBAKEF RING Hvis det ikke er dekning for en belastning p betalerens bankkonto eller n r betalerens bank av andre grunner ikke vil godta en belastning kan betal
14. reason for rejection Based on these codes payee may choose an automatic handling of denied transactions The following error codes may occur 131 Authorization not found 132 Authorization not active 133 Authorization blocked 134 Authorization terminated 181 Authorization amount exceeded 221 Amount denied in payer s bank 222 Account not found 223 Account blocked 224 OCR giro written 225 Standard giro written 226 Payment reminder not written 252 Sent to repeat 253 Denied after repeat Authorization data for automatic update of payee s authorization register Payee may choose the following Option 1 New changed and deleted authorizations Option 2 All authorizations under an agreement ID Both alternatives may be used at the same time A payee may choose to receive new changed and deleted authorizations daily option 1 and a yearly update of all authorizations option 2 Nets can offer the following periodic transfer of data Daily Weekly 1 3 times per week your choice of days Monthly 1 3 times per month your choice of days Yearly Nets offers a maximum of 3 combinations of periodic updates per assignment for instance 3 times per month or 3 times per week Payees that use different several payment services may receive data from Nets in the same sending 1 17 5 Settlement checks It is payee s responsibility to ensure that the necessary internal checks are made
15. For information about data sender data receiver and list receiver contact Nets customer service by telephone 08989 or e mail reqningsbetaling bbs no The agreement must also be signed by the bank Customer id identifies the accounting agency and the sender and receiver of data for the different assignments In addition all receipt lists will be coordinated under the same customer id and sent to the accounting agency Each customer id should be attached to an invoicing account If the accounting agency already is a customer it will not be necessary to make an additional agreement If the accounting agency changes their account a new agreement must be made 1 6 2 Payee payer Payer must give payee authorization to charge their account according to the autogiro agreement ref 1 10 2 The authorization must be registered in Nets If the authorization differs from the standard authorization it must be preapproved by Nets sale support dep 1 6 3 Payee s bank payer s bank The affairs between the banks are regulated in a separate set of rules 1 7 Termination of agreement changing accounts Nets must receive a written termination of the agreement The bank can send the notice to Nets v Registerhold e mail registerhold bbs no User manual Autogiro v1 8 p 7 43 nets If you change accounts a new agreement must be made You may keep the old agreement ID so that registered authorizations and pending transactions wi
16. GIRO LISTENR 10110 MOTTAKER Fig 6 Explanation of item 9 000009 2 99 TRANSAKSJ ONSTYPE BELASTN U MELDING BELASTN M MELDING BELASTN M VARSEL BELASTN M VARSEL OG MELDING A S BEDRIFTEN UTSKRI FTS TID AUTOGIRO OPPDRAGSKONT BEL P amp nets NETS DATO 05 09 97 9999 12 34567 REF TIL KONTOUTSKRI FT 57 000 00 STATUS AVVIST ETTER REPETERI NG 7 000 00 0 00 0 00 0 00 ANTALL 05 09 97 12 33 pm SI DENR 1 The total amount of denied transactions per subsidiary assignment May also be the total of transactions denied or settled after repeat routine User manual Autogiro v1 8 p 28 43 nets L01103 RECEIPT OF CORRECTIONS BANKENES BETALI NGSSENTRAL KVITTERING FOR UTF RTE AUTOGIR 1 NETS DATO KORREKSJONER 020997 KUNDE ID 90888888888 NAVN A S BEDRIFTEN AVTALE ID 001099999 NAVN A S BEDRIFTEN OPPDRAGSKONT 9999 12 34567 ENDRING BEL PSTRANS 4 OPPDRAGS 5 6 DEB REFNR 7 TRANS NR 8 BEL P NR FORFALLSDATO 2 GML 3 1601334 10 09 97 103669 0000041 407 40 MELDING SLETTET LISTENR 10110 MOTTAKER 000009 A S BEDRIFTEN UTSKRI FTS 02 09 97 SIDENR 1 3 99 TID Fig 7 Payee may correct delete non settled pending transactions An assignment that has not been settled may be changed or deleted Corrections must be specified on the list Description e 1 Nets date for executing 5 Date payer is charged corrections e
17. R BETALINGSMOTTAKERS KONTONUMMER KRONER BETALERS KONTONUMMER 9090500743 Fig 2 The form consists of 4 parts e The original form is sent Nets for handling e 1 is sent to payer e Copy2 is sent to payee warning e is kept by the bank 1 13 1 Extended options for return payments If payee cannot provide a valid authorization upon request payer payer s bank may demand the payment returned after the 5 day time limit According to the financial agreement law finansavtaleloven paragraph 33 payer does not have lawful right to demand amount paid back since Autogiro applies only to businesses User manual Autogiro v1 8 p 18 43 nets As an exception the whole settled assignment may be returned In these cases payee must contact their bank and the bank will give Nets the authorization to return the assignment payments Return of the entire settled assignment 1 14 Data from Nets Nets offers to send the following data electronically e Approved settled transaction for automatic update of ledger e Denied transactions containing error codes that state the reason for denial Payee may decide on an automatic routine based on these error codes e Authorization data for automatic update of payee s authorization register Payee may choose Alt 1 New changed or deleted authorizations Alt 2 All authorizations registered under an agreement ID Both alternatives may be used simultaneously For exa
18. R 11601303 NR 9 5 OPPDRAGSNR 1601333 6 OPPDRAGSTYPE AUTOGIRO 7 STATUS ETTER GODKJENT BESKRIVELSE VED OK INNLESNING AUTORISASJON 8 FEILLISTE FRA INNLESNINGSKONTROLLEN to AVVIST NY0102300000002121210 27400900000000000002600 000000 UGYLDIG FORFALLS DATO LISTENR L00202 MOTTAKER 0000099 A S BEDRIFTEN UTSKRIFTS 200897 133 SIDENR 1 9 TID 5 Fig 4 Description of this list is found on the following page Fig 4 User manual Autogiro v1 8 p 24 43 nets Nets checks the assignments during registration If any errors mistakes are discovered in one or more assignments in the transmission the assignments will be completely or temporarily denied Nets will determine further handling of temporarily denied assignments and contact data sender agreement customer if necessary If one or more assignments are completely denied Nets will contact data sender agreement customer for new data Assignments that are correct will not be reported in the 100202 Beskrivelse 1 Nets date for registering the 7 Assignments with approved status are assignments registered in Nets and the data is approved according to the input data 2 Customer ID Org no check on the assignment stage Unique identification of the Assignments with status denied are customer incorrect according to the input data check Any errors will be specified on the 3 Agreement ID same list Unique term that identifies of the agreement 8 Specifica
19. T 07 2007 Oslo User manual Autogiro v1 8 p 33 43 amp nets Se fullmaktsnr 1 nedenfor Ytterligere opplysninger om ny e fullmakt er fremgar av den komplette fullmaktsoversikten nedenfor Ajourfgrt fullmaktsoversikt F lgende Autogiro fullmakt er er knyttet til ovennevnte bankkonto Fullmakts Fullmakten e gjelder Deres referanse Maksimalt nummer betaling er til hos mottaker trekkbel p 1 BUTIKKEN AS 99991234567 50 000 00 BUTIKKEN AS daglig Ved eventuelle uoverenstemmelser vennligst kontakt Deres bankforbindelse LISTENR L8700 MOTTAKER BEDRIFTEN amp CO AS SIDENR 1 User manual Autogiro v1 8 p 34 43 amp nets Recommended use of receipt lists We recommend that the following items are checked when receiving receipt lists L00200 The receipt for registered files names the reason why the file has been denied Invalid file data sender The file is not BBS format The file is empty 100226 The receipt list for registered files shows status OK or denied Check status after registering File and approved amount are according to sent data All assignments in the file have been sent to handling Questions about mailings may be directed to Nets v Authorization group e mail autorisering bbs no or call 22 89 85 65 100202 Receipt for denied assignments transactions from customer assignment This receipt list will ONLY be generated if there are deviations The receipt documents den
20. Totalsum for oppdraget EN Kr Dre 2 1 sc sssA MUR sninger om transaksjoner som skal korrigeres husk fylle ut re feltet S Su MM Forfalls D D M A Oppgitt bel p Betalers ref nr kto nr dato l LOL Kr L NYForf D D MMA Nytt bel dg yt P Kr re 0 Transaksjonen skal slettes Andre Oppgi feltnavn og ny verdi l _endringer 0 Forfalls D D Oppgitt bel p Betalers ref nr kto nr Kr Qre LI i ji NYForf D D M M Nytt bel dato y Kr re 0 Transaksjonen skal slettes Andre Oppgi feltnavn og ny verdi endringer m Forfalls D D Oppgitt bel p Betalers ref nr kto nr dato Kr _ Gre mE NYFof D D M Nytt bel Dil peep Kr re 0 Transaksjonen skal slettes Andre Oppgi feltnavn og ny verdi endringer TEN Forfalls D D M M Oppgitt bel p Betalers ref nr kto nr o LL 1 13 1l Kr Dre MEN Y Forf D A Nytt bel e nen Kr re 0 Transaksjonen skal slettes Andre Oppgi feltnavn og ny verdi endringer Eu EN AETERNA Forfalls D D M M A Oppgitt bel p Betalers ref nr kto nr dato E m Kr re 4d Li D D A Nytt bel c y p Kr re 0 Transaksjonen skal slettes Andre Oppgi feltnavn og ny verdi endringer DE e Opplysninger til kunden Ke f NB Ved oppringte
21. a da 15 1 12 ir ATL ct t orsi esed angu ROLL Ce Rn 17 1 13 RETURN OF SINGLE 5 desee u aea asa raa een n 18 1 13 1 Extended options for return 1 1 18 1 14 DATA FROM NETS 19 1 15 GETTING STARTED assina alti Ta Si 19 Tete 19 1 16 USEFUL INFORMATION BEFORE GETTING STARTED nan nnn 20 1 16 1 Ordering authorization 5 20 1 16 2 Example of receipt liste iio pre b Vene ER renas 20 1 16 3 Description of possible error messages 35 1 16 3 1 Authorization amount enne nn enn n 35 1 16 3 2 Authorization does not 1 1 eene enne nnn enn n 35 1 16 3 3 Authorization terminated 2 2 1 36 1 16 3 4 Authorization not 1 eene aee aae enne 36 1 16 3 5 Denied by payer s 1 n eee meses 36 1 16 3 6 Accou
22. a the updating routines to payer s bank bank s data central Payee receives an updated summary of each payer s authorizations 1 10 5 Notification of new authorization When a new authorization is registered to payer s account payer s bank or Nets will send a notification to account holder that an authorization is registered to his her account If this notification is sent by Nets the name and address stated by payer s bank will be used This is done to make sure the correct person receives the notification of new authorization 1 10 6 Termination of authorization If payee wishes to terminate an authorization they must send a notification to Nets Notification of termination should be sent as other authorization data If payer wishes to terminate an authorization they must contact payee or their own bank Payer s bank may according to their own evaluation or when being approached by payer cancel or block the authorization The form Nets BI 55079 Termination of autogiro authorization must be filled in Ref Fig 1 The bank may also register terminations via BOLT Nets online but they still have to send a notification to payer The bank may also send an e mail to avtaleregistrering bbs no Payments attached to this authorization will not be executed after termination has been registered with Nets The authorization is terminated when payee has received Notification of authorization list L01121 where the term
23. anually at Nets at least one copy must be sent with the test 6 If the debit reference number will be used in the transaction payment this must be filled in on the authorization form The content of the authorization must always be approved by Nets before distribution 7 Test file from Nets is delivered according to agreement 8 After the test Nets will contact the customer with the results of the test and if necessary make arrangements for a new test When the test is approved the agreement will be registered User manual Autogiro v1 8 p 19 43 nets The customer and the bank will receive an e mail to confirm the registration of the agreement 1 16 Useful information before getting started Nets sends a correction form to the customer when getting started Correction form and delivery note may be ordered from Nets v Customer service call 08989 or e mail regningsbetaling bbs no 1 16 1 Ordering authorization forms Nets BL 920114H Authorization for autogiro Nets BL 55079 Termination of autogiro authorization These forms may be ordered directly from Boarding AS telephone 482 11 200 1 16 2 Example of receipt lists Autogiro will produce the following lists 100200 Receipt list for sent files This receipt will be made when the sent file is not BBS format is empty or has an invalid data sender The receipt will be uploaded to the e net immediately L 00226 Receipt for registered files Documents all ap
24. d The raise may not exceed 5 When altering the authorization use the form Authorization for autogiro Nets BL 92014H Check off the changes on the forms left side The following fields may be altered Amount limit Period code Payer s name address postal code area Valid from date Valid to date Send termination alteration of authorization to Avtaleregistrering by e mail avtaleregistrering bbs no 1 11Corrections deletions Corrections deletions may be done to single transactions that is pending transactions that have not yet been settled All payment transactions that have not been settled may be altered There is a separate form for correction of single transactions NB It is not possible to alter or delete transactions that are being repeated Below is an example of a correction form User manual Autogiro v1 8 p 15 43 nets Korreksjonsskjema for autogiro 5 BBS Opplysninger om betalingsmottaker Hvis flere sider oppgi nedenfor Navn i _ Side Adresse 1 e post u END Adresse2 0 BEND EN m Kontaktperson EM u TIf Korreksjoner gitt over telefon Oppdraget er sendt BBS Oppdraget vil bli sendt BBS Dato Dato Dato MEN Avtale id Avtalenr Oppdragskonto mottakers konto Oppdragsnr 7 pos Oppgis hvis oppdragsnr er kjent Andre opplysninger B
25. date when registering payment assignments e 1008700 NOTIFICATION OF NEW AUTHORIZATION TO PAYER The list is sent account holder according to the account holder register in Nets To make this possible the bank must have sent information about account holder via the updating routine If the account does not exist in the account holder register the authorization confirmation will be based on name and address stated in the authorization data 1 17Routine operation 1 17 1 Communications The users may send files to Nets via different channels for example through their bank directly to Nets or through another data communication centre The users may also get files from Nets via communications The data will normally be ready at 4 pm on due date or other date according to agreement Nets keeps a backup of the data for 30 workdays For information about data communications contact Nets v Customer test e mail testgruppen bbs no or telephone 08989 1 17 2 Deadlines Files to Nets should be sent as early as possible and no later than 10 45 am on due date Guaranteed submission deadline is 10 45 for files with due date as the assignments is sent Files that are received between 10 45 and by 12 00 will still be settled the same day provided that the assignment is correct User manual Autogiro v1 8 p 37 43 amp nets 1 17 3 Check list All files are checked to see if file sender data sender distributor id is r
26. e e 2 Changes single 6 Payee s identification of payer transactions Specify according to the authorization If no original gml and changed such id exists payer s account no will ny data appear e e 3 Unique numbering of an 7 Consecutive numbering of the assignment per transactions in an assignment agreement ID 8 Amount of single transaction 4 Unique numbering of assignment per agreement ID Changes during the assignment stage will appear with the following status codes 00 approved 05 blocked 06 deleted Changes to single transactions concerning due date and amount will also show up on list 101103 User manual Autogiro v1 8 p 29 43 L 01105 ERROR LIST WITH DENIED AUTHORIZATIONS BANKENES BETALINGSSENTRAL KUNDE ID AVTALE ID 2 DEB REFNR 2301 2423 2329 2563 2641 2976 3057 3058 LI STENR 101105 90888888888 001099999 3 DEBETKTO 9999 12 3456 7 9999 12 3456 7 9999 12 3456 7 9999 12 345 67 9999 12 3456 7 9999 12 3456 7 9999 12 3456 7 9999 12 3456 7 MOTTAKER NAVN 4 FMAKT TYPE 0000099 9 FEILLISTE FOR AVVISTE FULLMAKTER A S BEDRIFTEN A S BEDRIFTEN 5 BEL PSGRENSE 1 500 00 1 000 00 1 000 00 1 000 00 1 500 00 1 500 00 1 500 00 1 500 00 nets AUTOGIR 1 NETS DATO 30 08 97 OPPDRAGSKONT 9999 12 3456 7 6 7 8 NAVN 9 MELDING
27. e autogiro agreement External reference for single transactions Accounting data is sent to the banks bank s data centrals for account updates User manual Autogiro v1 8 p 6 43 nets 1 5 Pending transactions Payee may send in transactions with a due date 12 months into the future These transactions will not be checked with the authorization register until due date Payee may change or delete pending transactions until due date 1 6 Autogiro agreement 1 6 1 Payee payer s bank Before you can use autogiro an agreement must be made between the payee and the payee s bank The bank fills in the agreement in cooperation with the payee The bank makes sure the payee gets a copy of the agreement and sends a copy to Nets in PDF format When the agreement is registered in Nets an e mail will be sent to the payee and payee s bank confirming that the agreement is registered and ready to use The payee s and bank s e mail addresses must be filled in on the agreement form for Nets to be able to confirm by e mail The agreement may also be sent Nets by mail with a signature and stamp from the bank Nets should receive the test data as soon as the agreement is sent When the test is approved Nets will register the autogiro agreement If the data sender data receiver or list receiver is not registered with Nets and this is not the agreement customer but for example an accounting agency a separate agreement must be made
28. e form and sends the main section back to payee or their own bank It must always be stated in a separate letter or in the authorization where the main section of the authorization form shall be sent Payer keeps the copy marked Bilag for betaler if any 3 Payee registers and sends the necessary authorization data on file or by mail to Nets according to agreement 4 The authorization data is registered with Nets which sends a notification of authorization 101121 to payee The notification contains information of registered changed and deleted authorizations The information may also be sent on file if so agreed If the authorization information is sent Nets in a file the rejected authorizations will be specified on error list of denied authorizations 101105 The authorization will not be used until 8 days after Nets registration date to allow payer s bank to evaluate the authorization Information about new changed and deleted authorizations is distributed to the bank via update routines It is possible to pre approve a mandate but the payers bank must then approve the mandate Payers bank must sign the mandate and send it to Nets for manual registration It is not possible to send pre approved mandates on file to Nets If requested Nets can make an updated list of payee s registered authorizations with Nets Every time there is a new authorization or changes made to an existing authorization information is sent vi
29. egistered with Nets and have the authorization to send data about the customer agreement in question If there are any errors in connection with data sender the assignment file will be denied upon receipt If the agreement customer assignment account changes file data sender a written notification must be sent Nets att registerhold by e mail registerhold bbs no All files sent Nets will be checked before registering If any errors occur the assignment will be stopped before registered The reasons may be e Invalid file data sender e Fileis not BBS format e Empty file Error message will be documented on receipt list 100200 which is available on e net If any questions contact the authorization group by telephone 22 89 85 65 or e mail autorisering bbs no Check list for transmissions received by Nets Transmissions received by Nets will be checked on both transmission and assignment levels before handling Transmissions received by Nets will be checked on assignment level before handling Check for duplicate denial Transmissions with assignment are checked to see if they have been handled in Nets previously The same applies when an assignment has been denied once and then resent A check is performed to ensure that the assignment in the transmission was denied and may be approved after the next check The entire transmission is checked with all assignments 12 months 1 day back in time After the transmission has be
30. eived transmissions User manual Autogiro v1 8 p 42 43 New version number fe 112 infomation about settlement 260210 1 17 2 New deadline for files 260210 1 13 1 According to the financial agreement law finansavtaleloven paragraph 33 payer does not have lawful right to demand amount paid back since Autogiro applies only to businesses Betaler User manual Autogiro v1 8 p 43 43
31. en checked receipt list 100226 will be generated 100226 will be posted on the e net or sent by e mail The receiver of the receipt list must check if the transmission was approved or denied and if all the assignments are being handled During transmission stage the following is checked That file sender data sender can send files on behalf of customer assignment account That the transmission has not already been registered That Nets is the recipient That start record end record for the transmission are correct That start record end record for the assignment is correct That the correct amount is stated in the transmission That the agreement is registered correctly That the transmission contains the correct number of transactions That the transmission contains valid assignments During the assignment stage the following is checked That there is a valid agreement for the autogiro service If the assignment has been registered and handled previously The assignment no and total amount is checked That start record end record exist and are correct That the transactions in the assignment are valid User manual Autogiro v1 8 p 38 43 nets 1 17 4 Files from Nets If the payee would like a return file this must be stated the autogiro agreement Nets offers the following data Approved settled transactions for automatic update of personal ledger Denied transactions containing error codes that indicate the
32. er 012345 2 Innlesningdato 20090428 3 Status etter innlesing AVVIST 4 Feilmeldinger Tom forsendelsesfil File data sender Nets registering date Status DENIED Error L 00226 RECEIPT LIST FOR REGISTERED FILES L226 KVI TTERI NGSLI STE INNLESTE FORSENDELSER 1 Dataavsender 012345 Navn Datasentralen Adresse Poststed 0007 OSLO 2 Dataavsender oppgitt i forsendelse 00987654 Navn AS Bedriften Adresse Poststed 3211 SANDEFJORD 3 Forsendelsesnummer 2804076 Innlesningdato 5 28 04 2009 4 Status etter innlesing GODKJENT Antall transaksjoner Bel p Oppgitt 3019 6 11482612 77 User manual Autogiro v1 8 p 21 43 6 nets Innlest 3019 11482612 77 Differanse 0 0 00 Direkte remitteringsoppdrag Antall oppdrag registrert 0 Antall oppdrag sendt til behandling 0 Antall oppdrag avvist 0 7 AvtaleGiro Antall oppdrag registrert 0 Antall oppdrag sendt til behandling 0 Antall oppdrag avvist 0 Autogiro I Antall oppdrag registrert 2 Antall oppdrag sendt til behandling 1 Antall oppdrag avvist 1 Verdipapirhandel Antall oppdrag registrert 0 Antall oppdrag sendt til behandling 0 Antall oppdrag avvist 0 Andre oppdrag Antall oppdrag avvist 0 8 Feilmeldinger Distribusjonsavtale for autogiro oppdrag med avtaleid 123456789 mangler Oppdrag 2804005 User manual Autogiro v1 8 p 22 43 nets Nets will check the files during registration If th
33. ere are errors missing information in a file the whole file may be denied One or more transactions in a file may also be denied In the example above the transaction account is sent from a different distributor than registered in the agreement The number of transactions received are not checked in full and may therefore be denied when all the content is validated Denied transactions are documented on receipt list 100202 The data sender customer that receives this receipt after the file has been sent must check if the transmission is approved or denied If the transmission is denied the cause must be determined before resending the file For further clarification contact the authorization group by e mail autorisering bbs no or telephone 22 89 85 65 1 File data sender 6 Total amount that is approved denied or surplus 2 Data sender stated by the 10 record 7 Service and amount of transactions in 3 File number stated by data sender the file 4 Approved or denied status 8 Errors if any Registered NETS date User manual Autogiro v1 8 p 23 43 nets L 00202 RECEIPT FOR DEINED ASSIGNMENTS TRANSACTIONS FROM CUSTOMER TRANSMISSION BANKENES BETALINGSSENTRAL A S KVITTERINGSLISTE FOR AVVISTE OPPDRAG TRANSAKSJONER 1 NETS DATO FRA KUNDEFOESENDELSE 200897 2 KUNDEID 9088888888 NAVN A S BEDRIFTEN 8 3 AVTALEID 001099999 NAVN A S BEDRIFTEN 4 OPPDRAGSKONTO 9999 12 34567 DATA AVSENDER 0000099 FORSENDELSES N
34. erens bank uten angi grunn kreve transaksjonen tilbakef rt innen 5 bankdager etter at belastningen har funnet sted ENDRING OPPSIGELSE AV FULLMAKT Betaler eller betalerens bank kan med yeblikkelig virkning si opp fullmaktsforholdet Betaler m henvende seg til sin bankforbindelse n r fullmakten nskes endret eller sagt opp Authorizations can be ordered from Boarding AS telephone 47 482 11 200 User manual Autogiro v1 8 p 12 43 nets 1 10 3 Authorization limits The authorization limits are regulated by e maximum amount to be charged within a certain period stated as divisible by 100 NOK e There may be several payments in the time period as long as the amount limit is not exceeded Definitions for time periods 1 Day One 1 work day 2 Week Monday through Friday 3 Month The first through the last day of the month 4 Quarter 1 01 01 31 03 2 01 04 30 06 3 01 07 30 09 4 01 10 31 12 5 6 months 1 01 01 30 06 2 01 07 31 12 6 Year 01 01 31 12 Time periods follow the calendar year 1 10 4 The authorization routines Authorization or authorization form Receipt list Payee Receipt list Bank Bank s data central An explanation of the authorization routines is on the following page User manual Autogiro v1 8 p 13 43 nets 1 Payee is responsible for sending filled in authorization form to payer 2 Payer adds their account number signs th
35. hes to make print their own authorizations they must contain the same information as the standard authorization NB The authorization layout must be approved by Nets Sales Support e mail salgsstotte bbs no The form has fields for the following information Payee 1 Name and address 2 Agreement ID Nets must be added to authorization before sending to payer 3 Account number 4 Check off new change Payer 5 Name and address 6 Account number 7 Payer s reference number Reference number in payee s system up to 11 characters Reference number can be for example customer number that payee may use as payment reference instead of account number If a reference number is used in the authorization the same number must be stated in the file to Nets Advantages when using payer s reference number e Several authorizations may be registered to the same account number and the same agreement ID e t may be easier to update your own customer records It could be an advantage to use the debit account as reference if you may convert to AvtaleGiro in the future 8 Payer s signature 9 Modulus code K1 for payer s reference number 10 Period code K2 for set time period 11 Amount limit amount divisible by 100 NOK 12 Authorization valid from date 13 Valid to date use the gyldig fra og med dato and gyldig til og med dato on the authorization form if you wish to limit the authorization to be valid
36. ication of payee s agreement in Nets There may be several agreement Ds for one account Nets date Nets handling date Nets handling date Settlement date in Nets Charge date due date The date payer is charged If due date falls on a Saturday Sunday Holiday the account will be charged on the following workday User manual Autogiro v1 8 p 3 43 Payer s reference number Deb ref no BOLT Nets online Customer ID File data sender Distributor ID Customer ID list recipient Subsidiary transactions Internal reference e net Format Transmission Transmission number External reference Authorization serial number Type of authorization Customer ID Layout Assignment Assignment account User manual Autogiro v1 8 nets Payee s reference identification of payer according to the authorization A portal used by the bank Data sender for one or more agreements Data sender can be the customer or a data processing center ID stated in data sender s filename For example Files sent via the bank s corporate net bank Recipient of lists from Nets List recipient can be the customer or for example an accounting agency Transactions in an agreement with the same due date Payee s reference id for transaction payer If this information is filled in your reference will show up on data from Nets A portal for sending and downloading data Record structure A data file sent to
37. ied assignments and transactions The receipt will also report any altered transactions or other information about errors that have not lead to denial Status after registration must be checked by the customer who must take measures to resend the transaction e 101102 Receipt for settled autogiro assignments This list must be checked thoroughly It gives the actual amount that is credited the account It lists the number of transactions that have been denied Denied transactions are specified individually with error messages It also shows transactions for repeat and which ones have been denied after repeat Payee must consider the error messages and decide what actions to take to collect payments 1 16 3 Description of possible error messages 1 16 3 1 Authorization amount exceeded The amount limit for the period stated in the authorization has been exceeded The transaction s amount is greater than the amount limit in the authorization or the total exceeds the total amount for the period Action The authorization amount limit must be raised by changing the amount in the authorization must be signed by payer sent Nets The amount to charge may be returned to Nets when the change has been registered after 8 day blocking Payer may collect the payment by other means 1 16 3 2 Authorization does not exist The authorization is not registered with Nets or was deleted over a month ago The transaction deviates from the information
38. ination will appear User manual Autogiro v1 8 p 14 43 nets fra regni OPPSIGELSE AV AUTIGSIRO FULLMAKT ORIGINAL AV BLANKETTEN SENDES BBS OPPSIGELSE AV I ULLMAKT f OM DATO Lese MIDLERTIDIG SPERRE AV FULLMAKT FOM DAIOL uuu TOM DATO Le sai A gt SIEDIDATO BANKENS UNDERSKRIFT 5 NAVN ADRESSE POSTNH STED BETALINGSMOTTAKFRENS NAVN ADRESSE POSTNR STED BBS BL 55079 F BEYER SE LISTE 01112 VARSEL OM LMAKTSFORHOLD AUTOGIRO ELLER LISTE 01731 SPESIFIKASJON AV AUTOGIROTRANSER FOR OPPLYSNINGER TIL UTFYLLING AV BLANKETTEN BETALERENS HEF NA BETALERENS BANKKONTO BETALINGSMOTTAKERS BANKKONTO BETALINGSMOTTAKERS AVTALEAD Fig 1 The form consists of 4 copies e The original is sent to Nets v Avtaleregistrering e 1 is sent to payer e 2 is sent to payee as a warning e Copy 3 is kept by the bank 1 10 7 Alteration of authorization Altering an authorization is basically the same as making a new one The same routines therefore apply and you must receive a new authorization from payer Payee may however increase the amount limit because of inflation without signing a new authorization The original authorization must contain information about this and Nets must have this on file Nets may also take on the task of raising the authorization amount limit in procent procently All authorizations registered under the same agreement ID will then be raise
39. korreksjoner skal vi ha skriftlig bekreftelse Deter ikke mulig registrere nytt bel p st rre enn oppgitt bel p Husk ta kopi av blanketten blanketten beholdes av E Korreksjonsskjema sendes inn ti BBS enten per TELEFAX nr 22 21 05 61 21 40 77 eller e post autorisering bbs no e Nye korreksjonsskjemaer kan bestilles pa betalingsmottaker 9 ve telefon 0 89 89 eller regningsbetaling bbs no Sted dato Sign Postadresse Kontor og leveringsadresse Telefon Telefax 0045 Oslo Haavard Martinsens vei 54 Rommen Oslo 9 22 89 89 89 22 21 40 77 eller 22 21 05 61 User manual Autogiro v1 8 p 16 43 nets Explanation of the correction form The following alterations may be made to a single transaction Reduce the amount Delete the transaction Change the internal reference Change the external reference Change due date only postpone Send the correction form to Nets Autoriseringsgruppen 0045 OSLO The correction form must be received by Nets no later than 08 00 am on due date The form may also be sent by e mail to autorisering bbs no via fax 22 21 05 61 or 22 214077 An assignment that is not settled may be blocked altered or deleted To alter or delete an assignment the customer must contact Nets v Autoriseringsgruppen by telephone 22 89 85 65 fax 22 21 40 77 22 21 05 61 or e mail autorisering bbs no 1 12 Settlement The transactions are settled in Nets on the set due date Usua
40. ll not be altered but moved to new account NB When changing accounts the old account number must appear in the new agreement Sometimes file sender data sender will change when the customer changes accounts If this is the case it must appear in the agreement form under distributor id An error will occur when registering if the wrong distributor id appears in the agreement 1 8 Autogiro notification before charging 1 8 1 Payee notifies payer Payee is responsible for notifying payer before the account is charged Payee and payer may agree that payer will be notified by a periodic notification the contract itself or something of the sort This may be done in connection with sending out invoices bills etc or by agreeing on standard payments The date and amount to be charged by autogiro must appear the agreement In addition the amount will appear on the statement from payer s bank with reference to payee s agreement ID or a set variable text 1 8 2 Notification from Nets If Nets is to send payer a notification before charging the account this must appear in the file with the transaction records 1 8 3 Content of the form Payer s name and address the amount to charge from and to account and form number will appear on the first page of the form If a transaction contains a specification record this will appear on the last page of the form The text Specifications see last page will appear on the left side of
41. lly the payer will be charged on due date and payee will be credited the same day Without valid authorization for due date the transaction will be denied Denied transactions are documented in the receipt list for settled payments It is also possible to receive an overview of denied transactions upon settlement if desired See also system specification for technical description Electronic delivery of denied transactions can be specified in the agreement between payee and bank which is sent to Nets If set due date is not a work day the transactions will be settled on the following work day NB Please note that the transactions can be moved to a new period according to the authorization ref 1 10 3 Data must be received by Nets no later than 10 45 am on due date Transactions with previous due dates will be settled when received by Nets The transaction will not be dated back NB All transactions will be checked to ensure coverage on due date or the first workday after due date if this should fall on a Saturday Sunday or Holiday Transactions can be sent with due date 12 months ahead in time An established authorization can undergo changes within that time frame Transactions are therefore always checked for valid authorization on the due date User manual Autogiro v1 8 p 17 43 nets 1 13 Return of single transactions Coverage control for autogiro payments was introduced for all banks on August 17 1992 This p
42. mple a payee may choose to receive new changed and deleted authorizations daily Alt 1 and also pull all registered authorizations for updating their own records Alt 2 Alt 2 must be ordered from Nets v Customer service Nets keeps a backup of the data for 30 work days Record layout of data from Nets is described in the system specifications 1 15 Getting started Before you start using autogiro Nets must perform a production test and approve it If payee is using an accounting agency that has tested and been approved for this service a new test is not necessary The agreement and authorizations must be registered with Nets before getting started Customizing Payee accounting agencies with their own accounting systems may choose to customize autogiro or contact a software supplier that offers this service The functionality of the customized soft ware should be checked 1 15 1 Test Below you will find a description of how Nets performs the tests If there are any questions please contact Customer testing e mail testgruppen bbs no or Customer service e mail regningsbetaling bbs no 1 The agreement is sent Nets 2 The agreement is registered when the test is approved by Nets 3 The Nets test group will determine how the file will be sent 4 File with payment test and authorizations should be sent Nets at the same time All types of transactions must be tested d If the authorization must be registered m
43. nt blocked 1 2 1 mene emen enne erra arena rena aa ea nene nda 36 1 16 3 7 Account does not 1 4 6 arena aae aa eee nda 36 1 16 3 8 Sent as repeat EEEE AEEA 36 1 16 3 9 Denied repeat 0000 EEEE nere 36 1 17 ROUTINE OPERATION 55556056 rtt cen a nasi ec da Meu SR Des d doe gr e Sei 37 1 17 1 Communications 44 eene hederae ada eaa aenean dan 37 151752 tuere het etd uaa tror ut d 37 7 Ce 38 1 17 4 Files from Nets vaarvuanrannvennnennnrensrannrrnnrennrennsenseensrensrnnnrrennrennrennvennnnnnsrannranenenn 39 117 5 Settlemernt checks oce e e saue KNEE Da Da RR 39 1217 6 mM 40 1 17 77 Coverdge control o bs b re Pe Fei sw rb n bet 40 1 17 1 Repeat of autogiro 1 40 1 17 27 sense eee um RESA 40 1 18 DATA COMMUNICATION saga iicet A skrudd XO n 40 User manual Autogiro v1 8 p 2 43 nets Autogiro According to the new Financial Agreement law of July 1 2000 autogiro services can only
44. nternal reference is optional 7 Payer s identification of transaction payee External reference optional e 8 Specification of reason for denial in authorization list User manual Autogiro v1 8 10 This item is specified in the list on the following page and is explained below The total of all the transactions with the same due date denied transactions are deducted This amount will be credited the account and will show up with reference to the statement The total of all subsidiary assignments from the same assignment that is settled on Nets date This field will only deviate from field 10 if due date is set back in time Amount of settled transactions divided between the 4 different ways of handling p 27 43 101102 Receipt list of settled assignments List 1 BANKENES BETALINGSSENTRAL KUNDE ID 90888888888 AVTALE ID 001099999 NAVN OPPDRAGSNUMMER 160133 3 DEBREFNR KTO NR KORTNAVN 0000032 1282 A S BEDRIFTEN 9 ANTALL AVVISTE TRANSAKSJONER SUM AVVISTE TRANSAKSJONER TOTALSUM GODSKREVET DELOPPDRAG TOTALSUM GODSKREVET OPPDRAG FORFALLSDATO 03 09 97 4 KVITTERING AVREGNEDE OPPDRAG A S BEDRIFTEN A S BEDRIFTEN ANTALL BEL P EGENREF NAVN FREMMEDREF IDN R 7 000 00 TOTALSUM GODSKREVET OPPDRAGSKONTO ANTALL BET P MINNELSER STD GIRO TOTALSUM P MINNELSER STD GIRO ANTALL BET P MINNELSER OCR GIRO TOTALSUM BET PAMINNELSER OCR
45. on from charging Payer s account number 7 Time frame the amount limit applies to Payee s identification of payer 8 Payer s name as stated in the authorization according to authorization Unless deb refnr is used payer s account 9 GKJ Authorization preapproved by bank number will appear 10 Archive ref indicates who registered the Maximum charge amount within stated authorization period 90000000 Payee via an electronic file By using the fields gyldig fra og med 90003001 Nets valid from and gyldig til og med Underlined numbers are Day no the valid to in the authorization form the next 3 numbers are serial numbers authorization will be valid for a limited 9299STI Bank via BOLT period Underlined numbers are Regno Payer with 3 letters 90666666 Reg in Nets with additional agreement 7001 Batch via up dating L 08700 AUTOGI RO NOTIFICATION OF NEW AUTHORIZATION BANKENES BETALINGSSENTRAL A S AUTOGIRO MELDING OM NY FULLMAKT RSDATO 030907 Bankkonto 9999 12 34567 BEDRIFTEN amp CO AS AS BANKEN SKIPPERGATEN 07 FILIAL EGERTORGET 2007 OSLO PB 2007 SENTRUM 0107 OSLO Ny e fullmakt er Til ovennevnte bankkonto er det registrert falgende ny e Autogiro fullmakt er med gyldighet fra og med 31 08 2007 Fullmakten e gjelder Fullmakten e registrert betaling er til med f lgende navn og adresse BUTIKKEN AS BEDRIFTEN amp CO AS BUTIKKEN AS SKIPPERG
46. proved and denied files This receipt will be uploaded to the e net as soon as the files have been sent Nets Data sender may down load the receipt to check if files are approved or denied The receipt may also be sent by e mail to data sender or the customer The following lists will be sent registered list receivers The lists can be sent by e mail or post according to agreement L 00202 Receipt list for registered assignments Documents all approved and denied assignments registered with Nets L 01102 Receipt for settled autogiro assignments Documents all settled credited assignments and specifications for denied transactions repeat transactions and denied transactions by Nets date L 01103 Receipt for autogiro corrections Documents correction of transactions subsidiary transactions and pending transactions L 01105 Error list of denied authorizations Documents authorizations that have been denied during NETS registration L 01121 Notification of authorization Documents new changed or deleted authorizations User manual Autogiro v1 8 p 20 43 nets The autogiro routine will produce the following information to payer L 08700 Notification of new authorization to payer When a new authorization is made or changes made to an existing authorization payer will receive information about this 100200 Receipt list for denied files 200 KVI TTERI NGSLISTE AVVISTE FORSENDELSESFI LER 1 Dataavsend
47. ractice was started to reduce the amount of return payments due to lack of funds Nets therefore requests that the banks do not return autogiro payments when the account has successfully been checked to ensure coverage or when the amount is lower than the amount limit set by the bank The rules for return payments have not been changed The bank s right to return single payments is still valid Single transactions must be returned no later than 5 working days after payment has been charged to the account The return charge of payee s account will not occur later than 10 workdays after the account has been debited When returning payments payer s bank must use the form Return of autogiro payment Nets BL 53216A copy of the form will be sent to payee for information The return payment is not considered completed until you receive the stamped original from Nets TILBAKEF RSEL Av AUIGDIRO E i BBS DATO ddmm r ORIGINAL AV BLANKETTEN SENDES BBS BETALERS RET TJENESTEKODE AVTALE ID CPPGRAGSNR TRANSAKSJONSNR TRANSAKSJONSTYPE BETALIKGSMO TAKER SE FULLMAKTSBLANKETT 7 BETALER NAVN ADRESSE SE LISTE 0 731 SPESIFIKASJON AUTOGIROTRANSER FOR CPPLYSNINGER Ti UTFYLLING AV BLANKETTEN REVERSERINGSOPPDRAGS ID NB DERSOM FULLMAKTSFORHOLDET SKAL OPPH RE M BBS 55079 BENYTTES Fyles ut av BBS F BEYEH 002732 BBS HI 3716A F RE YE
48. s data communication availability Payees that have their own software may customize their own systems for use of autogiro If payee uses a software supplier data central they must ensure that this service is included in the program package To be able to send receive transmissions for the service payee must have a data communication solution If payee has not established a communication solution they must contact the bank for more information For technical assistance please contact Kontrollsenteret Telephone 47 22 89 89 89 Hours 8 00 am 15 45 pm After office hours phone 47 22 89 8213 or 47 22 89 82 10 User manual Autogiro v1 8 p 40 43 nets Amendment log for this manual Mens Par DESCRIPTION oF AMENDMENT Pare Sto Updated date in bottom text 1 10 98 Removed text after NB before pkt 1 6 on 4 12 98 KTB page 7 Removed the text sperre in the third paragraph in pkt 1 11 5 on page 14 Replaced the name Brukerservice with 23 4 99 KTB Autoriseringsservice Replaced fax no 22 21 03 02 with new no 22 898187 KTB New text under pkt 1 19 6 New Datafonavtale with text Pkt 1 19 3 19 8 99 KTB DESCRIPTION OF AMENDMENT Added text 18 05 01 JHA According to the new Financial Agreement law of July 1 2000 autogiro services can only be used as payment between businesses For similar services for collecting payments electronically from private individuals see Avtalegiro Melding om belastning
49. stated in the authorization User manual Autogiro v1 8 35 43 nets Action Send the authorization to Nets for registration The payment may be resent to Nets after the authorization is registered 8 day blocking Payee must check that debit account payer s reference no deb refnr and assignment account for each single transaction are identical with the information in the authorization Payer may choose to collect the payment by other means 1 16 3 3 Authorization terminated The authorization has been deleted by payee or payer s bank less than a month ago Action Payee must collect the payment by other means 1 16 3 4 Authorization not active The authorization is registered in Nets but is not chargeable The 8 day blocking period is not over or from date stated in the authorization is in the future Action Payee must check when the authorization is valid on the Notification of authorization form 1001121 The transaction may be resent Nets or payee may collect the payment by other means 1 16 3 5 Denied by payer s bank The bank has stopped payment Action Payee may try to resend the transaction If payee uses the repeat routine the transaction will automatically be sent to new coverage control 1 16 3 6 Account blocked Payer s bank has blocked the account for autogiro charges Action Payee must collect the payment by other means 1 16 3 7 Account does not exist The account has been deleted
50. the form s front page The last line of the last page of the form will always have date amount and form number identical to the front page In addition the Nets date to and from account and amount will appear on the right side Under specifications there is only space for max 42 lines divided into 2 columns of 40 characters with 21 lines per column 1 8 4 Transmissions from Nets The bank may choose the following alternatives for receiving transmissions from Nets postal giromail or via net mail Payer s bank will choose which alternative to send payer A postal transmission may contain messages from the electronic services Every envelope has an address card where the content is specified Example on the following page User manual Autogiro v1 8 p 8 43 nets 1 8 4 1 Example of charge notification ADRESSEKORT DATO 28 08 97 ADRESSENUMMER 5 BEDRIFTEN POSTBOKS 1 0 0000 0003 00000999 INNHOLD 1 MELDING OM BELASTNING MELDING OM BELASTNING e AHON SPESI FI KASJ ON SE BAKSI DEN FRA 107829 HANS HANSEN MOTTAGERS BETALERS NAVN ADRESSE POSTNR STED NAVN ADRESSE POSTNR STED A S BEDRI FTEN HANS HANSEN POSTBOKS 1 POSTBOKS 100 00000999 RENTEVI K 0107 OSLO TIL KONTONR BEL P BLANKETTNR REV NR ARKIVREF ID NR 1234 05 995 00 8804992564 90000000 088049925 177164 64 NETS 28 08 1997 LINJE 1 KOL 1 LINJE 1 KOL 2 User manual Autogiro v1 8 p 9 43 nets
51. tion of transactions with errors e e 4 Assignment account The bank 9 Listing the transactions account in the agreement that is the credit account NB Transactions that appear with INFO have not been denied but only for Assignment number Unique information identification of the assignment Transactions that have been denied will stated by data sender appear with DENIED and the transaction will be listed with reason for denial 6 If the assignment type shows the text AutoGiro the receipt list contains transactions If it shows the text Fullmakt the receipt list contains registered authorizations User manual Autogiro v1 8 p 25 43 L 01102 RECEIPT FOR SETTLED AUTOGIRO ASSIGNMENTS List 1 nets BANKENES KVITTERING AVREGNEDE OPPDRAG AUTOGIRO 1 NETS DATO 04 09 97 BETALINGSSENTRAL KUNDE ID 90888888888 NAVN A S BEDRIFTEN AVTALE ID 001099999 NAVN A S BEDRIFTEN OPPDRAGSKONT 9999 12 34567 ANTALL BEL P REF TIL KONTOUTSKRIFT OPPDRAGSNUMMER 160133 FORFALLSDATO 03 09 97 4 57 000 00 2 TRANS 5 BEL P 6 EGENREF NAVN NR DEBREFNR KTO NR 7 4 KORTNAVN FREMMEDREF IDNR 0000032 1282 7 000 00 SKORINGEN Betalt A S BEDRIFTEN ANTALL TRANSER TIL REPETERING SUM BEL P TIL REPETERING 10 TOTALSUM GODSKREVET DELOPPDRAG 11 TOTALSUM GODSKREVET OPPDRAG TOTALSUM GODSKREVET OPPDRAGSKONTO ANTALL BET PAMINNELSER STD GIRO TOTALSUM BET PAMINNELSER STD GIRO ANTALL BET
52. togiro transactions All transactions will be checked to ensure coverage Payee may choose a repeat payment routine for denied transactions caused by lack of coverage Payee s that wish to use this service must enter an agreement of repeat payment Payee may choose to have the denied payment repeated 1 3 consecutive work days This will be registered on the agreement stage so that all assignments in the same agreement will receive the same handling by Nets If the transaction is denied after the last repeat it will show up on receipt list 101102 Receipt for settled autogiro assignments Payee must inform payer of the repeat routine 1 17 9 Payment reminder Sending payment reminders is an extra service for autogiro and requires a valid autogiro agreement Nets can send payer a payment reminder with a giro if the autogiro transaction is denied because of lack of coverage in payer s account Payee must have entered into an agreement about this in advance Payee may choose if an OCR giro or standard giro should be used An OCR giro may only be used if there was a KID no on the original payment Nets does not verify the KID no when registering the transaction The KID stated in the autogiro file will be printed on the OCR giro that is sent payer If you choose to use a KID no on the giro you must have an OCR agreement on the same account for automatic updates of personal lodger when the OCR giro is settled 1 18 Data communication Payee
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