1 This is AvtaleGiro
Contents
1. 120509 forbindelse med bankbytte vil det ofte medfgre at kunden endrer Filavsender Dataavsender dette ma oppgis pa avtaleskjemaet under distributgrid 3 Nytt Nytt istemateriel 1200 09 L226 beskrevet med eksempel L200 og L226 beskrevet med eksempel 120509 Beskrivelse bruk av nye lister 120509 4 2 3 Endret tidsfrist innsending eFaktura i kombinasjon med 120509 Ds ATG Lagt inn tilleggstekst frist sletteanmodninger 120509 Do 2 6 Ge 2 6 User manual AvtaleGiro v 2 8 p 34 35 2 6 4 3 Beskrivelse mottakskontroll filforsendelser 120509 F lgeseddel slettet 3 2 6 4 3 1 Kontroll av mottatte forsendelser 120509 2 7 Tildelt nytt versjonsnr ee Ered 7 201009 m 2 1 6 4 Slettet N r begrensningen er opphevet er det ikke mulig he legge inn begrensing p nytt Slettet beskrivelse transaksjonsliste OCR giro 201009 2 7 3 1 Endret beskrivelse av lise 202 satt inn nytt eksempel blir 201009 mhe kun produsert ved avviste oppdrag transaksjoner Endringen ble iverksatt fra 16 10 2009 Omformulert teksten kontroll av mottatte forsendelser 201009 2 8 Tildelt nytt versjonsnr 140510 Innleveringsfrister lagt inn at filen m v re mottatt i Nets 140510 mhe p en virkedag for egenvarsling Satt inn nytt punkt om ny finansavtalelov 140510 Lagt inn tekst om 4 ukers varsling og tilbakef ringsrett o o e 1 6 3 Lagt til info Tidspunkt for levering av nye slettede faste 140510 mhe betalingsoppdrag2. If agreement customer assignment account changes file sender data sender this must be sent Nets att registration by e mail registerhold bbs no All file transmissions to Nets will be checked before registration Erroneous file transmissions will be stopped before registration Reasons may be Invalid file sender data sender The transmission file is not on Nets format The transmission file is empty Error messages will be documented on receipt list LOO200 that is posted on the e net If any questions please contact the authorization group by telephone 22 89 85 65 or e mail autorisering bbs no 4 2 1 Check of received transmissions in 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 Controls for duplication and dismissal are carried out to check if an assignment in the transmission has been handled earlier It is the same procedure when assignments in a transmission have been refused once and then resent The check will then show that the assignment was refused so that when it is rechecked it should be approved The entire transmission will be checked with all assignments 12 months 1 day back in time After the transmission has been checked receipt L00226 will be generated L00226 will be posted on the e net or sent by e mail The recipient of the receipt list must check to ensure
3. 12 1 6 5 Notification to payer and payer s option to not receive notifications 13 1 6 6 Right to disallow payer from reversing payment by sending notice four weeks before due date cccccccecceece cece eee eeae cess eens eeeesaeeeaeeeaeegneeenenas 14 1 6 7 Deleting due payments ccc eee eee eee nate netted 14 1 6 8 Accounting data same in aims seziasenaons dar cies eed vies Sienna dec aaa edd fe da das in 14 1 6 9 Possible adjustment in payee s systems and routines aaaranrvanvnnnnnrnnnsnennnr 14 1 6 10 Adjustments in payee s systems and routines when combining AvtaleGiro With elnvoice 2 0 0 cece cece cece eee e eee e eee eee eaee erre errar 16 1 6 11 Field validation espetar delat iavamenwbel ovale lanha Spa iara da tela ida a ba dental gl 16 1 7 AVTALEGIRO INFO He 16 2 GETTING STARTED is scosssasassasiassicassocassasnsissiaiosasinaasccasicisca siso scndasinsas c c a 17 2 1 DATA COMMUNICATIONS PAYEE S AVAILABILITY aasanvvavnrvvvnnvenennenennnenennenennnennnnenennnn 17 2 2 MINIMUM REQUIREMENTS FOR TEST DATA TO NETS i vvuuvnrvvvnnvvnenrvnennnenennnnnnnnnnnnnenenner 17 2 3 PRODUCTION TESTING a casais baade de E eee pa ati 18 3 WHAT PAYEE SHOULD KNOW BEFORE GETTING STARTED 19 3 1 LiST ON EE EE lo ana loira wean 19 3 2 RECOMMENDED USE OF LISTS BY PAYEE asnnnnunnnnnennnnnnnnenennnnnnnnennnnenennnnnnnnenenneesnnne 25 4 OPERATIONAL ROUTINE x nnrnnvnnvnnennvnnennvnnvnnnnnnnnnnnn
4. a due payment where a transaction has been denied User manual AvtaleGiro v 2 8 BEDRIFTEN A S SIDENR 1 9 Assignment with status APPROVED registered in Nets but documents denied transactions or other error messages in the assignment Assignment with status DENIED has been stopped during the registration check Denied assignment must be resent 10 Specification of transactions with errors a Amount posting 1 in the due payment is listed the same way it was sent to Nets Information about the error in the due payment will be listed on the same line If the error is FBO DOES NOT EXIST this is a critical error that must be followed up b Amount posting 2 is listed in a way that will p 22 35 A description of the fields 1 Nets date for registering the assignments 2 Customer ID organization number for identification of the customer 3 Agreement ID for identification of the agreement 4 Assignment account for crediting 5 Data sender s customer ID 6 Transmission number stated by data sender 7 Assignment number stated by data sender 8 Possible assignment types AvtaleGiro that is due payments e AvtaleGiro corrections that is request for deletions e Changing KID User manual AvtaleGiro v 2 8 nets be helpful for identification Errors that cannot be corrected may result in severe delays in handling the transactions p 23 35 nets Liste LO2603 Deletions i
5. in egiro payments in a manual found at www bbs no OCR giro and CREMUL may be sent once or twice a day If you choose the egiro payment be aware that all regular payment assignments will be sent in a separate file with AvtaleGiro but not with CREMUL User manual AvtaleGiro v 2 8 p 19 35 nets List LOO200 200 RECEIPT LIST FOR DENIED TRANSMISSION FILES 1 Dataavsender 012345 2 Innlesningdato 20090428 3 Status etter innlesing VVIST 4 Feilmeldinger Tom forsendelsesfil File data sender Nets registration date Sta tus DENIED Error message SONE L 00226 KVITTERINGSLISTE FOR INNLESTE FORSENDELSER L226 KVITTERINGSLISTE 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 Antalltransaksjoner Bel p Oppgitt 3019 6 11482612 77 Innlest 3019 1148261277 Differanse OQ Direkte remitteringsoppdrag Antall oppdrag registrert 0 Antall oppdrag sendt til behandling 0 Antall oppdrag avvist 0 7 AvtaleGiro Antall oppdrag registrert 164 Antall oppdrag sendt til behandling 162 Antall oppdrag avvist 2 Autogiro User manual AvtaleGiro v 2 8 p 20 35 nets Antall oppdrag registrert Antall oppdrag sendt til behandling Antall op
6. maximum amount limit this is valid for each payment The financial agreement law 26 states The agreement shall state a maximum amount limit and the period of time the charge is limited to for each payee Limiting the amount limit to a time period is being carried into effect in the beginning of November 2001 The period is defined as a calendar month Definition of important words and expressions 24 09 01 JHA Customer ID Changed from Statistisk Sentralbyras organization number for companies personnummer for personkunde Alternativt et unikt tildelt lgpenummer i Nets Endret til Kontoeiers Organisasjonsnummer for bedrifter foretak personnummer for personkunde 1 4 2 1 5 1 1 1 5 Opprettelse av avtale om bruk av AvtaleGiro 24 09 01 JHA Fjernet tekst Hvis dataavsender eller listemottaker ikke er registrert tidligere og er forskjellig fra avtaleeier ma det opprettes egne avtaler for disse 1 4 2 1 5 1 1 1 6 Opprettelse av avtale om bruk av AvtaleGiro 24 09 01 JHA Nytt avsnitt om Kreditorbetalt gebyr 5 1 1 1 7 Rutinen beskrevet i detalj 24 09 01 JHA Setning i pkt 2 i skissen endret fra Hvis betalingskravet allerede er varslet til betaler vil betaler motta melding om at betalingen bortfaller Til Hvis betalingskravet allerede er varslet til betaler fra bank eller direkte fra betalingsmottaker vil betaler motta melding om at betalingen bortfaller er til KID 24 ees 01 E fim til at hvis
7. of payee or payee The deadlines stated in the illustrations below are minimum deadlines for sending data directly to Nets We recommend sending the data as early as possible to prevent delays If the data is sent via a data centre or other channels their deadlines must also be taken into consideration 4 1 1 Due payment notification via bank Must be received by Nets no later than 2 pm on the last workday of the month for due payments with due date from the 15th of the next month to the 14th of the following month The banks generate AvtaleGiro information for distribution monthly If payee wants notifications to be sent via bank the due payment must be received no later than 2 pm on the last workday the month before the notification is generated All due payments with due date from the 15th of the next month to the 14th of the following month must be sent before this deadline The table below illustrates the connection between deadlines generating AvtaleGiro information and payment period Due payment final deadline 29 03 05 04 15 04 14 05 Production of 7 workdays notification Payment period for deadline AvtaleGiro info amp postal AvtaleGiro info service 29 03 is in this example the last workday of the month All due payment that are due from April 15 to May 14 must be received by Nets no later than 2 pm on March 29 4 1 2Due payment notification directly from payee Must be received in Nets on a w
8. services Consequences by not making adjustments for the AvtaleGiro elnvoice combination will give the payer consumer the option of entering into an agreement with their bank for regular payment assignment for automatic withdrawal via AvtaleGiro Payee issuer updates in their records that payer consumer wants to pay via AvtaleGiro Payer consumer may choose to enter into an agreement for elnvoice with his her internet bank this will be updated with payee issuer If payee issuer has not made adjustments for the combination their customer register financial system will not register that the payer has agreements for both AvtaleGiro and elnvoice This may cause an automatic withdrawal from payer consumer s account and receipt of an elnvoice that will be paid in the internet bank Recommendation If an issuer payee offers both AvtaleGiro and elnvoice we recommend making adjustments for this combination That way a complete electronic service where notification invoice and payment are handled electronically by both issuer payee and payer consumer will be obtained By not making adjustments for the AvtaleGiro elnvoice combination payer consumer will experience that the due payment will be withdrawn via AvtaleGiro as the elnvoice simultaneously is presented in the internet bank to activate the bill for payment The payment will thereby be paid twice and generates extra work for issuer payee and payer consumer The following adjustments must b
9. services where AvtaleGiro is not offered When registering a regular payment assignment only the validity of payee s account number length of KID and modulus are checked The banking system cannot check the content of the rest of the KID In both above mentioned instances the payer and the bank will think that a regular payment assignment has been generated but it will not be registered with payee This may cause confusion and should be avoided If a new account is opened a new agreement for use of AvtaleGiro and OCR giro must also be made for the new account because the accounting data is sent in OCR giro format 1 4 2 2 Altering the agreement Any alterations deletions of an agreement must be done through payee s bank The bank will make sure the information is registered Payee changes account number If payee is changing the account number after starting AvtaleGiro Nets must receive the following e Agreement for use of AvtaleGiro for payee s new account Filled in agreement for the new account must be signed by payee and payee s new bank The recipient agreement must contain the following information Changing from account number XXXX XX XXXXX Valid from date XX XX XX Changing banks will often entail changing file sender data sender This must also be stated in the agreement form under distributor id If erroneously stated registered distributor id in the agreement the assignment will be denied upon registration e R
10. som alternativ Reto 01 06 03 JHA E lee er fjernet rs 5 1 1 1 17 Folgeseddel 01 06 03 JHA Lagt direkte under punkt 4 3 Bekreftelse av forsendelse til Nets ee E Kontroll av mottatte forsendelser i Nets 01 06 03 JHA E E ernet punkter vedr DATAFON og SIGILL Lagt inn tekst kombinasjonen eFaktura AvtaleGiro 14 06 06 1 6 2 Oppbygging av KID i kombinasjonen AvtaleGiro eFaktura 14 06 06 MHE Lagt inn tekst om kombinasjonen Fra ca 1 mai 2002 vil oversendelsen ogs inneholde informasjon om den enkelte betaler nsker skriftlig varsel eller ikke Fjernet ovennevnte tekst og lagt til Informasjon om nye faste betalingsoppdrag inneholder ogs informasjon om den enkelte betaler nsker skriftlig 14 06 06 MHE varsel eller ikke se eget avsnitt vedr dette Lagt inn nytt punkt 14 06 06 MHE Tilpassninger i betalingsmottakers systemer og rutiner ved bruk av kombinasjonen AvtaleGiro eFaktura EE enn Feltvalidering i kombinasj onen AvtaleGiro eFaktura me 5 1 1 1 19 Fjernet NJR RJE og KERMIT 5 1 1 1 20 Lagt til Connect direkt og WEB 2 3 4 2 3 Lagt inn nytt punkt 14 06 06 MHE Betalingskrav varslet via eFaktura User manual AvtaleGiro v 2 8 p 33 35 nets 2 3 1 6 3 Lagt inn tilleggsopplysning 07 07 06 MHE Nye og slettede faste betalingsoppdrag sendes som et eget oppdrag sammen med OCR konteringsdata Dette forutsetter at man benytter samme konteringsdatamottaker ID kundeenhetsid enkelte situasjoner vi
11. that the transmission has been approved or refused and if all the assignments have been sent to be handled User manual AvtaleGiro v 2 8 p 28 35 8 nets On the transmission level the following is checked That file sender data sender is allowed to send files on behalf of the customer assignment account That the transmission has not been previously registered That Nets is the recipient That start and end records for the transmission are correct That start and end records for the assignment are correct That the correct amount for the transmission is stated That the agreement is registered correctly That the transmission contains the correct number of transactions That the transmission contains valid assignments On assignment level the following is checked That there is a valid agreement for the service If the assignment has been registered and handled previously Assignment number and total amount is checked That there are start end records for the assignment and that they are correct That the transactions in the assignment are valid That the transaction is sent before the due date That there is a valid regular payment assignment Refusing assignments During registration assignments may be completely or temporarily refused If temporarily refused Nets will determine how to handle the situation contact data sender agreement customer if necessary If completely refused Nets will contact data sender agreement
12. using the AvtaleGiro The agreement states payer s and his her bank s rights and responsibilities DUE PAYMENT The amount with information if any to be charged to payer s account Payment period A previously determined period when notified payments are due The period is defined from the 15th of one month to the 14th of the following month enett Portal for sending and downloading data User manual AvtaleGiro v 2 8 p 4 35 Regular due payments Due date Payment date Format Transmission Transmission number External reference KID Customer ID Customer unit ID File Data sender Distributor id Customer unit I D Data receiver Customer unit ID List receiver Customer reference Payee agreement User manual AvtaleGiro v 2 8 nets A due payment is an order from payer to his her own bank stating that a certain payment type type of bill to a certain payee is to be paid by AvtaleGiro FBO is often used as an abbreviation for regular due payments The date the payment is automatically withdrawn from payer s account If due payment date is on a Saturday Sunday Holiday the automatic withdrawal will go through on the following work day Organizing the records The data communication files sent to from payee s data sender receiver A transmission always starts with a start record and ends with an end record for the transmission Unique numbering of transmissions within 14 da
13. 2 8 p 11 35 nets KID in OCR giro is used to identify the payment so that the ledger will be updated correctly KID in AvtaleGiro must contain the customer number and payment type if any KID in elnvoice must contain the elnvoice reference to receive access to the enrolment capturing in consumer payer s internet bank oooo Recommended KID structure We recommend that the AvtaleGiro customer number and the elnvoice reference are the same and that the payment type follows consecutively and is a part of the KID Changing KID in the AvtaleGiro eFaktura combination When recipients issuers switch software suppliers it will most likely result in a change of customer number reference number because the KID structure will change Existing customers will therefore need new customer reference numbers There is an electronic solution that may be used when changing KID When changing KID recipient issuer must contact Nets customer testing group Contact the customer testing group by e mail testgruppen bbs no or go to www bbs no 1 6 3 Information about customers regular due payments To find out which customers that have shown interest in using AvtaleGiro payee must receive a list of these The list is sent electronically with the OCR giro or in a separate file from Nets Payee will receive KID from regular payment assignments for example from the giro invoice payer s bank has used to base the registration of the payment on The KID co
14. 8 nets User manual AvtaleGiro User manual AvtaleGiro v 2 8 p 1 35 User manual AvtaleGiro Contents 1 THISIS AVTALEGIRO unnernvvnnvnnvnnvnnennennennvnnennnnnnnnnnnnnnnnnnvnnvnnvnnvnnnnnennnnnennvnnenn 3 1 1 ANTALEGIIRO huder E a a Sl a mis 3 1 2 AVTALEGIRO ADVANTAGES FOR PAYER AND PAYEE avvvnanvrnennvnnannnnennnnnnnnnnennnnnnnnnnnnnnne 3 1 2 1 FOR PaVersiois cias teias yeteweeesseaedemeee E E 3 1 2 2 FOR DAY CC akties Setas DE ala a A a aa 3 1 3 DEFINITION OF IMPORTANT WORDS AND EXPRESSIONS asvvvannrvvvnvnnennneennnnnennnernnnneennnne 4 1 4 AGREEMENT OPTIONS cxpialia tios cata pila cawladh ewa ida Sed be bela ntednac Rian daaa 6 1 4 1 Payer s agreement and regular due payments iiiiiiiiiiiis iii 6 1 4 2 Payee s agreement with the bank araaranvrnnannnnrnnrnnnnnnnnnrrnnrennennerrnernenennr 7 1 4 3 Agreement between payee s bank and payer s bank rarnarnanannnnnnnrnrrnrnennr 9 1 5 THE ROUTINE DESCRIBED IN DETAIL avvvuunvvavnnvevennnnennnnnennnnnnnneennnenennnnennnenennnnsnnne 10 1 6 FOR PAYEE xasaenneaado cotta cnuaitien EEA ERNESTA CEASAR A VEE estando tee KEENE EKKA 11 1 6 1 Requirements for KID itanta okan aerea rrenan arara ened 11 1 6 2 Generating KID in the AvtaleGiro eFaktura combination c 11 1 6 3 Information about customers regular due payments rarnnrnarannnnnnnnrrnnrnenn 12 1 6 4 Quality assurance when starting AvtaleGiro c cece cece eee cette ea eens
15. D contains an invoice number it must also contain for example a customer number If payee has several payment types for the same customer for example rent for both house and garage it must be possible to identify payment type in the KID field so that payee may discern rent for the house from the rent for the garage Payee may have up to 3 different KID structures per agreement for OCR giro recipient agreement for AvtaleGiro but the structures must have different amount of numbers In addition the customer reference in the KID must have a different amount of numbers for each KID structure The customer reference is payer s customer number payment type if any with payee The KID information stated in the registration form for AvtaleGiro must be alternatives for KID in connection with AvtaleGiro only If there are more KID alternatives registered in the agreement for OCR giro than is actually being used today it is important to delete the KID alternative Alterations to the OCR giro agreement for example deleting old KID alternatives must be sent Nets There may only be one recipient agreement for AvtaleGiro per account that have an OCR giro agreement For more information about OCR giro agreement see the User manual for OCR giro 1 6 2 Generating KID in the AvtaleGiro eFaktura combination The KID structure is essential to make the most of the possibilities that are available with AvtaleGiro and elnvoice User manual AvtaleGiro v
16. Errors that are reported on these lists must therefore be corrected before the next transmission Denied due payments will be specified on the list Common reasons for denied due payments are that payee has not updated their ledger to show that the regular payment assignment has been terminated by payer before they generate the invoice This will generate the error message FBO INVALID If the error message FBO DOES NOT EXIST appears it is an indication of inconsistency between payee s lists over customers paying with AvtaleGiro and the bank s registered information The error message FBO DOES NOT EXIST will appear when it has been more that 30 days since the regular payment assignment was terminated by payer Payee should then contact Nets to receive a complete overview over the information that is registered in the bank and base the update of their customer register on this information L 02603 Deleting in the waiting register The list documents deletion requests that have been have not been carried out If a deletion has not been carried out it may be because payer already has stopped the payment due to an error or that the deletion is not identical to the original due payment User manual AvtaleGiro v 2 8 p 25 35 8 nets 4 OPERATIONAL ROUTINE 4 1 Deadlines for transmissions and notifications The deadline for transmissions depends on which party is notifying payer of future payments payer s bank on behalf
17. angis p avtalen mellom banken og kunden som sendes til Nets Det anbefales at nye slettede faste betalingsoppdrag mottas daglig for f en rask oppdatering av status p kundens betalingsform Oooo RR TE a ss in User manual AvtaleGiro v 2 8 p 35 35
18. customer to obtain new data 4 3 Accounting data via data communications Accounting data via data communications are specification of approved settled single transactions for automatic updating of payee s ledger For more specifications see user manual for OCR giro 4 4 Payee s balance control Payee should make routines for handling accounting data that is received from Nets Possible plans are described in the user manual for OCR giro 4 5 Invoicing Invoicing by use of AvtaleGiro and OCR giro is between the payee and their bank Questions about prices invoicing must therefore be directed to the bank User manual AvtaleGiro v 2 8 p 29 35 nets 5 Amendment log for this manual ITEM DESCRIPTION OF ALTERATION DATE SIGN 2 0 The entire manual was revised spring summer 99 07 09 99 KTB The new manual was approve 2 9 99 by production supervisor Nina Knudsen i ae use of due date not both due date and 24 aoe 01 ve hu date Advantages with AvtaleGiro for payer and payee 24 09 01 HA For payee Included the option of sending payments as accounting iro payments 5 1 1 1 2 Definition of important words and 24 09 01 JHA expressions Added AvtaleGiro agreement as an entry with reference to due payments 5 1 1 1 3 Definition of important words and 24 09 01 JHA expressions 5 1 1 1 4 Amount limit The text has been changed from A maximum amount limit that payer can set per payment To When payer sets a
19. det benyttes flere KI D lengder m hver kundereferanse ha ulik lengde Informasjon om egne kunders faste betalingsoppdrag 09 01 nm Fjernet tekst Ogs denne rapport kan leveres via datakommunikasjon eller papir User manual AvtaleGiro v 2 8 p 30 35 Informasjon om egne kunders faste betalingsoppdrag Lagt til avsnitt Fra ca 1 mai 2002 vil oversendelsen ogs inneholde informasjon om den enkelte betaler gnsker skriftlig varsel eller ikke Varsel til betaler Avsnittet har f tt nytt navn Varsel til betaler og betalers mulighet til velge bort varsel 5 1 1 1 8 Varsel til betaler Gammelt avsnitt 1 6 4 er flyttet til 1 6 4 1 F rste setning endret til Dersom ikke annet er uttrykkelig avtalt mellom betaler og dennes bank skal betaler alltid varsles om kommende betalinger 2 1 1 6 4 2 5 1 1 1 9 Betalers mulighet til velge bort varsel Nytt avsnitt som omhandler denne muligheten samt hvordan dette formidles til betalingsmottaker og hvordan denne skal forholde seg Henvisning til avsnitt vedr tidsfrister endret fra 4 2 1 og 4 2 2 til 4 3 1 0g 4 3 2 Henvisning til avsnitt vedr tidsfrist slette anmodninger endret fra 4 2 3 til 4 3 3 Mulige tilpasninger i betalingsmottakers systemer og rutiner Fjernet setning vedr sende forslag til faste betalingsoppdrag til Nets Mulige tilpasninger i betalingsmottakers systemer og rutiner Lagt til Merke p kundeniv om betaler ikke nsker skriftlig var
20. dingly payee does not have to update their files manually With AvtaleGiro payee sends the due payment for the payers that have chosen the AvtaleGiro service in a file to Nets A notification may be sent payer via payer s bank Accordingly payee may reduce cost and labor when handling invoices Payee may send their own notifications to payers if they prefer When using the AvtaleGiro elnvoice combination If payee offers the combination of both services the following adjustments must be made User manual AvtaleGiro v 2 8 p 3 35 nets The AvtaleGiro assignments must contain all the elnvoice payments for automatically withdrawal and they must be marked with a code for payee notification Assignments with due payments must also be sent via elnvoice and marked with AvtaleGiro payment Payee must have access to the following bank services OCR giro for automatic balancing of customer ledgers AvtaleGiro automatic payment of regular bills eFaktura invoices directly into the internet bank Recommendation If payee offers both AvtaleGiro and elnvoice we recommend making adjustments for the AvtaleGiro elnvoice combination This way you will have a complete electronic service where notifications invoices and payments will be handled electronically by payee issuer and payer consumer Payer s account will be charged on due date if there are enough funds in the account and payer has not stopped the payment Information about the pay
21. ds of payment When the account lacks the funds to cover the payment on due date payer s bank can retry the payment the following 4 work days 7 Payee will receive information of the settled due payment as accounting data The accounting data is sent in a file as specified in the agreement for OCR giro Together with the accounting data payee will also receive information of new and terminated regular payment assignments if using the same customer unit id 8 Accounting data for updating the banks ledgers is sent the banks and the banks data centre the same day they are settled in Nets 9 Payer and payee s banks generate statements for the settled due payments The total credited amount will appear on payee s statement On payer s statement the amounts will appear with o Payee s name o External reference for each due payment o Set text stated in the recipient agreement for example Rent 1 6 For payee 1 6 1 Requirements for KID In the AvtaleGiro service the KID number ties the payee and payer together It is therefore a requirement that the KID contains a unique identification of payer for example customer number A KID that identifies an object for example an apartment number may NOT be used unless an identification is added that separates the new owner from previous owner of the object for example consecutive owner number If not the due payment may be handled incorrectly when the object changes owners If the KI
22. e made to the financial system for the combination to work e The AvtaleGiro payment must be marked with code 02 for egenvarsling ref AvtaleGiro System specifications e The notification must be sent via elnvoice and marked with code typel for the combination ref elnvoice user manual issuer e Payee s financial system must be adjusted for the AvtaleGiro and elnvoice services 1 6 11 Field validation For the AvtaleGiro and elnvoice combination to work the following fields in the payment must be the same in both the AvtaleGiro and elnvoice files that payee sends to the bank Nets e Credit card number e Due date e Amount e KID the entire number 1 7 AvtaleGiro info Payer must receive a written notification of all automatic payments as least 7 work days before the withdrawal If payee does not send the notification directly payer s bank can give the notification by sending an AvtaleGiro up to once per month The following information may appear on the AvtaleGiro info see example on the following page The layout for AvtaleGiro may vary for the different banks e Notification of payment e Overview over all regular payment assignments suggestions for new ones if any Payer is notified of automatic payments that are due in this payment period These are specified with the amount what the payment is for name of payee due date and any specifications for the amount Payer also receives a complete overview over the statu
23. eceived transactions are pending until due date Notification code Payer must always be notified of future due payments but has the option of choosing not to be notified 1 4 Agreement options 1 4 1 Payer s agreement and regular due payments Payer s agreement Payer s bank is the payer s agreement partner Payer will therefore first enter into an agreement with his her bank for use of AvtaleGiro This agreement allows payer to use the AvtaleGiro service to pay his her regular bills The agreement is connected to the account that will be automatically debited The payer agreement is often generated as a part of the account agreement with the bank or upon registration of the first regular payment assignment Regular due payments When payer has made a payer agreement it can be connected to one or several regular payment assignments Payer generates a regular payment assignment for every regular bill that is to be paid automatically The following information must be registered for regular payment assignments e KID Payer s account number Payee s name and account number Amount limit Notification code when payer doesn t want to receive notifications Time period for regular payment assignment if any This information connects payer to payee in the AvtaleGiro service User manual AvtaleGiro v 2 8 p 6 35 nets The payer can only generate regular payment assignments with payees that offer AvtaleGiro The bank offers information abou
24. eekday no later than 2 pm 9 days before due date Notification to payer must be sent at least 7 workdays before payer s account is charged and 4 weeks before due date if payee wishes to invoke their right to disallow payer from reversing the payment see item 1 6 6 Note that all files received on a holiday will not be processed until the following work day Examples include holidays such as Christmas and Easter If payee sends the notification to payer the due payment must be received by Nets on a weekday no later than 2 pm 9 days before due date That gives payer the opportunity to get the information about coming payments regardless of how they receive the notification The table below shows the notification period User manual AvtaleGiro v 2 8 p 26 35 nets Dead line for sending in due payments and for sending notifications Due date 07 04 15 04 Remember 7 working days notice If payee is supposed to notify payer and neglects to do so the bank may recall the payment 4 1 3 Due payment notification via el nvoice Must be received by Nets on a weekday no later than 2 pm 9 days before due date Notification to payer must be sent at least 7 workdays before payer s account is charged If payee sends notifications to their customers via elnvoice the due payment must be received by Nets on a weekday no later than 2 pm 9 days before due date Payee must send the file with payment information for elnvoice the f
25. enumbering form Nets form 61009 Registering account for renumbering signed by payee s bank and new bank if changing banks e Agreement for OCR giro for new account OCR giro agreement filled in and signed by payee and payee s new bank The three forms mentioned above must be sent together to Nets att Customer test A standard letter that confirms the account change is sent payee with a copy of the agreement form Both new and old accounts must be registered with the same customer ID organization number User manual AvtaleGiro v 2 8 p 8 35 8 nets PS All due payment sent before the account change that are already in the waiting register will be credited the new account Due payments sent after the account change must contain the new account number Remember to report the new account number to your own data centre if any Payee changes KID Changing accounting systems may lead to a change in customer number which will lead to change of KID The banking system is prepared to adapt to changing KID customer reference in all registered regular payment assignments This is done by sending a file with new and old KID for every regular payment assignment Due to security measures the new KID must be registered with a new recipient account If payee wants to establish regular payment assignments and payments to the original recipient account switching accounts is possible see item above Payee changes account number If chan
26. f the transmission has been approved or denied The receipt may alternatively be sent by e mail to data sender or the agreement customer The lists below are sent list receiver stated in the registration form The lists can also be sent by e mail or post according to agreement L 00202 Receipt for denied assignments transactions Documents all denied assignments and transactions that have been registered in Nets Also informs about errors in trans but not reason for denial NB The list also gives detailed information about all due payments deletes KID alterations that have been denied upon registration in Nets All denied due payments must be followed up by payee by other means of collecting the payments L 02603 Deleting in the waiting register Documents transactions that have been or attempted to be deleted in the waiting register In addition to the above mentioned lists payee will also receive information about settled transactions based on the KID stated in the AvtaleGiro assignment The KID is reported in the OCR giro service or egiro payment CREMUL The AvtaleGiro receiver chooses which service he she wants to use See user manual OCR giro for a better description of this service at www bbs no When entering into an agreement for egiro payment CREMUL agreement you will receive the following information Payments with KID from AvtaleGiro may alternatively be combined with egiro payment CREMUL Read more about the functionality
27. fference in the transmission if any Service and number of assignments in the transmission Error messages if any p 21 35 nets Liste L00202 Receipt for denied assignments transactions from customer transmissions BANKENES BETALINGSSENTRAL RECEIPT FOR DENIED A S ASSIGNMENTS TRANSACTIONS FROM CUSTOMER TRANSMISSION 2 KUNDEID 90001234567 3 AVTALEID 001767676 NAVN BEDRIFTEN A S 00001212 5 DATA AVSENDER 7 OPPDRAGSNR 9 STATUS ETTER INNLESNING GODKJENT 0205011 8 OPPDRAGSTYPE 1 INNLEST DATO 201009 NAVN BEDRIFTEN A S 4 OPPDRAGSKO NTO 9999 11 11111 6 FORSENDELSES NR1223344 AVTALEGIRO 10 FEILLISTEFRAINNLESNINGSKONTROLL FEILMELDINGER a AVVIST NY2102300000003011109 00000000000397000 003060600121215000000 FBO FINNES IKKE b NY210231000000312121HAGEL Fakt nr 30606 00000 LISTENR L00202 MOTTAKER 00077777 The assignments are checked upon registration If any errors are discovered in one or more assignments in the transmission the assignment s will be temporarily or completely denied If an assignment is temporarily denied Nets will decide how to handle the assignment and may contact the data sender agreement customer If one or more assignments are completely denied data sender agreement customer will be contacted for sending in new data Denied transactions will be documented in detail in list L 00202 The example in the list above shows an assignment with
28. ging KID splitting gathering regular payment assignments between several recipient accounts please contact Nets customer service ahead of time Payee will then receive documentation for changing KID 1 4 2 3 Terminating the agreement The termination of the agreement must be sent Nets by payee s bank The termination must be sent to Nets v registerhold 0045 OSLO or e mail registerhold bbs no When terminating the recipient agreement due payments in the waiting register will not be settled If payer has been notified of any of the due payments payer s bank will notify payer that the due payment is void 1 4 3 Agreement between payee s bank and payer s bank The relations between the banks are set by separate regulations User manual AvtaleGiro v 2 8 p 9 35 nets 1 5 The routine described in detail Payment Payer notificatio AvtaleGir o infarmati 1 Alternativ e method of a Accounting alada Bank stateme nt Bank stateme nt Stop paymen Credit accounting Debit Payer s accounting bank Payee s bank Main features of the system 1 Payers using AvtaleGiro with regular payment assignments must be notified of future payments The notification can be sent from payer s bank on behalf of payee as AvtaleGiro information or directly from payee 2 Payee sends a file with due payments for the payers that have AvtaleGiro with re
29. gular payment assignments The due payments can be sent with deadlines of up to 12 months ahead Payee may delete sent due payments If notification of the due payment has already been sent payer from the bank or directly from payee payer will receive a notification that the payment is void 3 All transmissions from payee will be checked A receipt for registered transmissions L226 is available in the inbox for customers using the e net or it is sent by e mail to data sender Receipt L00202 with due payment and request for deletion will be sent to the list receiver that is registered in Nets If the deadline for sending due payments and deletions is not met the transactions will be denied and documented in a receipt for denied assignments transmissions L00202 4 Payer may inquire about any payments that are due within 7 days from present This can be done by contacting the bank by cash call or the internet bank Payer may also contact the bank directly 5 If payer stops a payment payer s bank will always send payer information of an alternative way of payment User manual AvtaleGiro v 2 8 p 10 35 nets 6 On due date payer s account will automatically be charged and payee s account credited If there are not enough funds in payer s account to cover the payment the account is blocked or terminated If the amount limit for the due payment is exceeded the payer will be notified by his her bank with an offer of alternative metho
30. he payment reversed The notification to payer of future payments must contain the following information o payee o amount o what the amount is concerning o due date When the notification is sent via payer s bank the notification may also contain detailed specifications from payee to payer of what the amount is concerning It is possible to send 42 specification lines with 80 characters per line For deadlines see item 4 2 1 6 5 2 Payer s option to not receive notifications Payer may make an agreement with his her bank not to receive notification of future payments The information about payer wanting notification or not is sent payee as a part of the file with information about customers regular payment assignments Payees that send notifications via the bank may change the code from 21 bank notification to code 02 payee notification in the due payment for payers that don t want to receive notifications If a payment marked bank notification is sent a payer has chosen not to receive notifications the bank will not send a notification If payee has received critical information that must be passed on to payer this must be sent directly from payee to payer Payee that sends their own notifications may neglect to sent notifications if payer has chosen not to receive notifications There may be circumstances laws and regulations that require a notification Information about payer s choice of notificatio
31. ies that can be made available in AvtaleGiro The column for comments will show which functionalities that payee o MUST and RECOMMENDED We emphasized that even though payee only must do the adjustments marked MUST DO we recommend that the adjustments marked RECOMMENDED also are included when starting to use AvtaleGiro These are functions that payee may miss after using the service for a short period of time FUNCTION AREA COMM Recipient agreement with bank MUST User manual AvtaleGiro v 2 8 p 14 35 nets Unique identification of payer as a person so that the system can find the correct payer account KID is a term that ties the payer and payee together and must contain customer number and payment type if any If KID identifies an object for example an apartment a unique owner number for the object must be added so that the person may be identified The invoice number alone may not be used Regular due payments Write an offer suggesting due payments DM with KID for customers KID must be RECOMMENDE complete with control numbers so that payer s bank has the correct base for registering the regular payment assignment D Receive new altered and deleted regular payment assignments in a file MUST Receive transmission of all registered regular payment assignments in a file MUST Mark confirmed regular payment assignment on customer level MUST Mark if payer wants a written notification on custo
32. ill be sent to the accounting agency An invoicing account must be connected to each customer unit id If the accounting agency is already a customer it is not necessary to enter into a separate agreement If the accounting agency changes their account a new agreement must be made User manual AvtaleGiro v 2 8 p 7 35 nets KID is used in all payment assignments and accounting data is sent in an OCR giro format Payee must therefore have a valid OCR agreement for the same account used for the AvtaleGro service Creditor paid fee Normally both payer and payee have to pay a fee to their banks when using AvtaleGiro Payee may volunteer to pay the payer s fee This creditor paid fee is a standard fee regardless of what the bank would have actually charged payer Payee s bank can give information about the fee If payee wants this arrangement the payee agreement must clearly state Kreditorbetalt gebyr JA Opening a new account in connection with AvtaleGiro In some instances you might want to open a new account for AvtaleGiro for example when e Payee changes the KID structure when starting AvtaleGiro e Payee does not offer AvtaleGiro for all their services For example a local government that offers several services but only offers AvtaleGiro for a some of these If a new account is not opened the regular payment assignment with KID may not be valid for AvtaleGiro or regular payment assignments may be registered for
33. l betalingsmottaker av ulike grunner endre konteringsdatamottaker ID kundeenhetsid I slike tilfeller vil alle registrerte FBO er under en avtale bli oversendt p nytt i tillegg til de nye og slettede FBO er for siste periode Nytt versjonsnr og generell oppdatering 29 11 06 2 4 3 1 Oppdatert listemateriell for OCR giro som beskriver hd 12 06 avregnede transaksjoner Pee Vesa en AvtaleGiro eFaktura Bae dl fim inn en tekst om anbefaling og konsekvenser ved ikke tilrettelegge for kombinasjonen Tatt bort tekst 280907 MHE I slike tilfeller vil alle registrerte FBO er under en avtale bli oversendt p nytt i tillegg til de nye og slettede FBO er for siste periode Satt inn Kun nye endrede og slettede FBO er vil bli oversendt Dersom det er behov for en fullstendig oversikt over alle registrerte FBO er m dette bestilles i tillegg Tilf yd tekst 181007 MHE Bytte av KID i kombinasjon AvtaleGiro eFaktura For Mottakere utstedere som bytter programleverand r vil det i de fleste tilfeller ogs endre kundenummer referansenr for sine fakturaer da oppbygging av KID vil endres Ved bytte av KID skal mottaker utstedere ta kontakt med kundetest i Nets Egen beskrivelse for KID bytte p den enkelte tjeneste kan f s fra kundetest eller p www bbs no Bo Tildelt nytt versjonsnr 2 6 120509 mhe Oppdatert definisjoner 120509 1 4 2 1 Oppdatert innsending av avtaleskjema p epost 120509 1 4 2 2 Satt inn tekst
34. ment will be sent payee as accounting data in an OCR giro or payee may choose an egiro payment CREMUL The data is handled electronically and payee is ensured that the payments will have a KID number Egiro payments are offered as automatic accounting data for other types of payment than OCR giro and KID payments in the ledger This way payees using AvtaleGiro can receive all their payments to the same account as collected accounting data for one day You will benefit from these advantages whether the company s business partners are using the egiro services or not More information about egiro on www bbs no Note This user manual only describes payments sent as accounting data via OCR giro 1 3 Definition of important words and expressions The list is in alphabetical order Agreement ID A unique identification of payee s agreement inn Nets AvtaleGiro agreement Has become a common term for regular due payments FBO in the market communication for payers Regular payments see below AvtaleGiro info A periodic overview that is sent payers that use AvtaleGiro The overview shows payments that are due in the following payment period and a status for all payer s regular due payments Nets date Handling date in Nets that is the date Nets settles the transactions Amount limit An amount limit that payer can set per withdrawal month for each payee Payer agreement An agreement entered into by payer and payer s bank before
35. mer level and be able to change MUST this based on file from Nets Due payment Altering operational pattern according to deadlines for AvtaleGiro so that payer may MUST be notified of future payments directly from payee or from the bank Due payments must be sent with the following Valid KID MUST Code for notification sent via bank or directly from payee Specifications for AvtaleGiro information from the bank MUST RECOMMENDE D Delketion of previously sent due payments Deletion of previously sent due payments may only be done on assignment or transaction levels It must therefore be possible to specify previously sent assignments and single transactions Updating ledger PS Updating ledger for transactions settled as AvtaleGiro must be based on the accounting data in OCR format It updating the ledger is based on a copy of sent due payments this may lead to errors duplicate registration of payments Accounting data for settled transactions Receive settled AvtaleGiro transactions OCR format transaction type 15 This transaction type cannot be blocked It is not necessary to interpret or use the code if payee does not want to Payee must analyze if any other adjustments in internal routines systems must be made User manual AvtaleGiro v 2 8 p 15 35 8 nets 1 6 10 Adjustments in payee s systems and routines when combining AvtaleGiro with el nvoice We recommend making adjustments when combination the two
36. mottaker Listemateriell 24 09 01 JHA Ny beskrivelse av forklaring til L 00701 Transaksjonsliste OCR Innbetalingsservice Transaksjonsliste OCR giro OCR liste L00701 A og B som inneholder korrekte KID transaksjoner er valgfri for betalingsmottaker og kan bestilles hos Nets Disse listene er priset OCR liste L00701 C og D som inneholder transaksjoner for manuell avstemming og sumposter til bankens kontoutskrift blir automatisk sendt alle betalingsmottakere kostnadsfritt Se brukerh ndbok for OCR giro for n rmere beskrivelse av listene Konteringsdata som spesifiserer enkelttransaksjoner m ogs mottas via datakommunikasjon Periodisering spesifiseres i registreringsskjema for OCR giro Listemateriell 24 09 01 Liste L00202 Kvitteringsliste for innleste oppdrag Felt 8 Mulige oppdragstyper Fjernet AvtaleGiro forslag fast betalingsoppdrag Lagt til KID bytte 2 av L00202 Datakommunikasjon mellom betalingsmottaker og Nets 24 09 01 Store deler av tekst omskrevet NB Konteringsdata er normalt klare kl 1600 mot tidligere kl 1345 Listemateriell 24 09 01 Liste L00202 Kvitteringsliste for innleste oppdrag Laget eksempel p feilliste ved avviste betalingskrav side Betalingskrav varslet via bank 24 09 01 Dato i skissen endret fra 08 04 til 05 04 Tekst i skissen endret fra 7 dagers varslingsfrist Til 7 virkedagers varslingsfrist Betalingskrav varslet direkte fra betalingsmottaker 24 09 01 Tekst
37. must be entered into between payee and the bank The agreement must be filled in by the bank in cooperation with payee The agreement must be signed by payee and given to the bank The bank makes sure payee has a copy of the agreement The bank sends the agreement to Nets in a pdf format When the agreement has been registered with Nets Nets will send an e mail to payee and the bank that the agreement is registered and ready to use The payee and the bank must fill in their e mail addresses on the agreement form for Nets to be able to send the e mail The agreement can also be sent Nets by mail with the bank s stamp and signature The test data should be sent Nets as soon as the agreement has been sent After the test has been approved Nets will register the AvtaleGiro agreement If data sender data receiver or list receiver is not already registered in Nets and this is not the same as the agreement customer but for example an accounting agency a separate agreement must be entered into with this party For more information about data sender data receiver and list receiver contact Nets customer service by phone 08989 or by e mail regningsbetaling bbs no This agreement must also be signed by the bank Information about customer unit id identifies the accounting agency and who sends and receives the different assignment accounts In addition all receipt lists connected to the same customer unit id will be sorted so that all the lists w
38. n must be sent payee as follows o New regular payment assignment where payer must be notified has registration type 1 new and for written notification o New regular payment assignment where payer does not want to be notified has registration type 1 new and N for written notification User manual AvtaleGiro v 2 8 p 13 35 amp nets o When changing notification request regular payment assignment has registration type 1 new or J or N in the field for notification PS lt There is no code for alteration to make the option of receiving notifications or not as simple as possible for payee If the regular due payment already exists with payee they must ensure that the system is able to update the code for optional notifications 1 6 6 Right to disallow payer from reversing payment by sending notice four weeks before due date Payer can demand payment reversed for a completed AvtaleGiro transaction if payer can prove that the amount exceeded what payer could have expected within reason Payee can disallow this right by sending notice to payer for an approaching payment no later than four weeks before debiting The notice must be written and at minimum contain information about payee amount what the amount is concerning and the date for debiting payer s account charge date Even if payer has elected not to receive notices payee must send a separate notice 4 weeks before due date to disallow payers right to re
39. n the waiting register BANKENES BETALINGSSENTRAL SLETTING PA VENTEREGISTER AVTALEGIRO 1 Nets DATO A S 020501 2 KUNDEI 900012345 KUNDE BEDRIFTEN A S D 67 NAVN 3 AVTALEI 001767676 AVTALE BEDRIFTEN A S 4 OPPDRAGSKO 9999 11 11111 D NAVN NTO 5 UTF RTE SLETTINGER AV TRANSAKSJONER OPPDRAGS FORFALLSDATO KUNDEI DENTI FI KASJ ON BEL P NR 6 3004019 10 05 01 75088104 684 50 5 SLETTINGER SOM IKKE KUNNE UTF RES OPPDRAGS FORFALLSDATO KUNDEI DENTI FI KASJ ON BEL P NR 6 3004019 10 05 01 75090019 336 50 MELDIN FEIL TRANSAKSJON IKKE G FUNNET LISTENR L002603 MOTTAKE 000777 BEDRIFTEN A S UTSKRIFTS 0205 154 SIDENR 1 R 77 TID 01 8 Payee may delete previously sent due payments 2 Customer ID for identification of the that are in the waiting register by sending a customer request for deletion 3 Agreement ID identifies the agreement All attempted requests for deletions will appear on this receipt list whether they are carried out or not 4 Assignment account that is the account to be credited Description of fields 5 Carried out not carried out deletions of due 1 Nets date for generating the report payments 6 Specification of deleted due payments specification of deletions that were not carried out User manual AvtaleGiro v 2 8 p 24 35 nets 3 2 Recommended use of lists by payee We recommend that the items below are checked when receiving receipt lists L00200 receipt for registered t
40. ntains identification of payer and payment type and payee can therefore base the marking of automatic payments in their customer register with their customer s preferred payment type Information about new regular payment assignments also contains information whether the customer wants to receive notifications or not see item 1 6 5 Terminated regular payment assignments will be sent with the new regular payment assignments New and terminated regular payment assignments are sent as a separate assignment together with the OCR giro accounting data assuming that the same accounting data receiver ID customer unit id is used for all payment assignments A time for delivery of new deleted recurring payment assignments is stated on the agreement between the bank and customer which is sent to Nets It is recommended that new deleted recurring payment assignments are sent daily to ensure rapid status updates on the customers payment method If required payee may order an overview that shows all payers that have regular payment assignments This overview is delivered electronically In some instances payee will for different reasons change their accounting data receiver ID customer unit id Only new altered and deleted FBOs will be sent If a complete overview over all the FBOs is required it must be ordered separately 1 6 4 Quality assurance when starting AvtaleGiro The banks will play an active part in selling AvtaleGiro to the payer
41. ollowing day The deadline for the elnvoice file is 8 am Files that are received after 8 am will be handled the following workday It is important that payee sends the files in this order so that payer will find the due payment and the invoice details in his her internet bank deduction by pm and any detail issuer by made available for issuer internet bank notice to consumer Payee Issuer Nets User manual AvtaleGiro v 2 8 p 27 35 nets 4 1 4 Request for deletion Must be received by Nets on a weekday no later than 2 pm the day before due date The deadline is the same for deleting due payment notifications sent by the bank or directly from payee Requests for deletion are sent payer s bank that carries out the deletion If the due payment has not been updated in the bank the bank will not be able to carry out the deletion This may be the case if a file with due payments and deletions are sent the same day Nets therefore recommends that files with deletions are sent two days after the file with due payments has been sent to ensure that the due payment will be deleted 4 2 Recipient check of file transmissions Nets checks that file sender data sender distributor id is registered in Nets and has the authority to send data for stated agreement customer assignment account If erroneous information is stated or registered by data sender the transmission assignment will be denied upon receipt
42. pdrag avvist Verdipapirhandel Antall oppdrag registrert Antall oppdrag sendt til behandling Antall oppdrag avvist Andre oppdrag Antall oppdrag avvist 8 Feilmeldinger Distribusjonsavtale for avtalegiro oppdrag med avtaleid 123456789 mangler Oppdrag 2804005 Distribusjonsavtale for avtalegiro oppdrag med avtaleid 012345678 mangler Oppdrag 2804005 Nets will check the transmissions upon registration If there are any errors in a transmission the entire transmission may be denied One or more assignments in a transmission may also be denied In the example above the assignment account is sent from a different distributor than what is registered in the agreement The number of assignments sent to be handled is not checked entirely and may be denied when the content is validated Denied assignments are documented in receipt list L00202 The data sender customer that receives this receipt after the file has been sent must check if the transmission has been approved or denied If the transmission has been denied the reason must be found and the file resent Contact the Authorization group for further clarifications by e mail autorisering bbs no or telephone 22 89 85 65 1 2 3 File data sender 6 Data sender stated in the 10 record Transmission number stated by data 7 sender Status for approved or denied 8 transmission Nets registration date User manual AvtaleGiro v 2 8 Total amount approved the di
43. ransmission files that shows the reason that the transmission file is denied Invalid file sender data sender The transmission file is not on Nets format Empty transmission file L00226 Receipt list for registered transmissions that shows status OK or denied Check status after registration Transmissions and approved amounts are according to sent data All assignments have been sent to handling Questions about the transmission may be directed to Nets Authorization group e mail autorisering bbs no or telephone 22 89 85 65 L 00202 Receipt for denied assignments transactions from customer transmissions This receipt list will ONLY be generated if there are deviations The receipt documents denied assignments and transactions It also rapports any altered transactions or other information that have not contributed to the denial e If status after registration is APPROVED the assignment has been approved but contains transactions with errors e If status after registration is DENIED the entire assignment including all the transactions is denied PS Be aware that temporarily denied assignments may cause delays in manual authorizations This means that all AvtaleGiro due payments may be denied because they will be attempted to be put in the waiting register after the deadline This may result in a delay of up to a month in settling the due payment because they will not be notified until the next month s AvtaleGiro information
44. s The banks will therefore inform each other of which payees that offer AvtaleGiro If payee chooses they can use AvtaleGiro in a limited extent when getting started by reducing the number of payers that sign up for regular payment assignments For example it may be an option for payees that want reassurance that their routines systems will perform satisfactory before offering the service on the open market User manual AvtaleGiro v 2 8 p 12 35 amp nets When getting started the number of payers may be reduced to the payers that use the same bank as payee In this case other banks will not be able to register regular payment assignments for their customers If payee wants a limited extent this must be stated when the agreement for use of AvtaleGiro and the registration form is sent Nets for registration A note will then be made in the recipient agreement Available for all NO When payee wants to suspend the limited extent a written notification must be sent Nets A suspension of the limited extent is reversible 1 6 5 Notification to payer and payer s option to not receive notifications 1 6 5 1 Notification to payer Unless there is a specific agreement between payer and his her bank payer must always be notified of future payments Payer s bank may send the notification on behalf of payee or payee may do so themselves If payee is supposed to send the notifications to payer and neglects to do so the bank may demand t
45. s of the regular payment assignments The status for regular payment assignments may for example be valid deleted or blocked User manual AvtaleGiro v 2 8 p 16 35 nets 2 Getting started 2 1 Data communications payee s availability Payees that develop their own software may make the necessary adjustments for using AvtaleGiro If payee has a software supplier data centre you must check to make sure the service is available in the program package To send receive transmissions for the service payee must have a data communication solution If payee does not have such a communication solution the bank must be contacted for consultation Or Nets test group may be contacted by e mail testgruppen bbs no 2 2 Minimum requirements for test data to Nets Before payee starts using AvtaleGiro a production test must be performed and approved by Nets The requirements for a software supplier are greater than for a payee with their own software A payee with their own software can choose not to include all functionalities from day one but a payee using a software supplier may quickly discover that they miss some of the functionalities that have not been made adjustments for FUNCTION Software Payee with own software supplier Due payment min 10 transactions w code for payee sending notifications MUST A test of code for payee notification MUST be sent OR a code for notification via bank w code for notification via bank Is
46. sel samt kunne endre dette p grunnlag av fil fra Nets Synkronisere alle betalingskrav til innleveringsfrist for AvtaleGiro Punktet er fjernet da det prim rt var relevant i forbindelse med overgang fra Autogiro til AvtaleGiro For betalingsmottakere som i dag benytter autogiro Fjernet f lgende underpunkter 1 7 1 Grunnleggende forskjeller mellom autogiro og AvtaleGiro 1 7 2 Avtaleforhold 1 7 3 Konteringsdata avregnede transaksjoner reskontrooppdatering 1 7 4 Oppsigelse av autogiro fullmakter 2 1 1 8 AvtaleGiro info Tekst endret fra Betaler skal varsles skriftlig om alle automatiske betalinger minst 7 dager f r forfallsdato Til Betaler skal varsles skriftlig om alle automatiske betalinger minst 7 virkedager f r belastning finner sted nets 24 09 01 24 09 01 24 09 01 24 09 01 24 09 01 24 09 01 24 09 01 24 09 01 24 09 01 24 09 01 SIGILL Elektronisk forsegling flyttet til pkt 1 7 24 09 01 24 09 01 2 1 2 3 5 1 1 1 10 Produksjonstest 24 09 01 JHA Store deler av tekst omskrevet 2 1 3 1 Listemateriell Fjernet setningen Alle listene kan ogs mottas via datakommunikasjon User manual AvtaleGiro v 2 8 24 09 01 p 31 35 nets 5 1 1 1 11 Listemateriell 24 09 01 JHA 5 1 1 1 12 L00202 Kvitteringsliste for innleste oppdrag Presisert at denne listen i detalj dokumenterer alle betalingskrav etc som avvises ved innlesning i Nets og at disse m f lges opp av betalings
47. t for deletion should be sent Nets at the same time A test may be sent in FTP connect direkt web or e mail The e mail address will be stated by Customer testing in Nets For tests that are sent on FTP use file name TSTIKn Kxxxxxxx KOL For test transmissions from Nets the following file name is used TSTUKn Kxxxxxxx KO1 n last number in customer ID for data sender stated by Nets for use in testing XXXXXXX 7 last digits in the customer ID for data sender Data set no may be from K01 K99 Datasettnr kan endres fra KO1 K99 Software suppliers that don t send in recipient agreement must state placement of customer number and potential payment type as well as length of KID and modulus control when sending test User manual AvtaleGiro v 2 8 p 18 35 8 nets 3 What payee should know before getting started 3 1 List material In AvtaleGiro the lists below may be generated Examples of the lists are shown on the following pages L00200 Receipt list for sent file transmissions The receipt will be produced when the transmission files are not on Nets format the transmission file is empty or the data sender is invalid The receipt will be posted on the e net immediately L 00226 Receipt for registered transmissions This receipt documents all approved and denied transmissions It is available on the e net immediately after the transmission has been sent Nets Data sender can download the receipt and must check i
48. t payees that offer AvtaleGiro or there is a list in the internet bank Payer may initiate payment assignments with payee in the following ways e Payer can contact his her bank with an invoice giro that can be used as a basis for registration e Payer s bank can suggest payees that offer the payment service for example through AvtaleGiro information or DM If payer wants regular payment assignments this can be confirmed for example through the internet bank e Payee can suggest that their customers use AvtaleGiro by sending them a DM Suggestion template for DM with reply slip is found at www avtalegiro no Payer may change the name address and debit account number in the payer agreement and the regular payment assignment Payer may also change the amount limit and notification code in each regular payment assignment Payer also has the option of blocking one or more regular payment assignments for a period of time During the blocked period no automatic withdrawals will be made Payer s bank may offer different methods of payment during this period If payer deletes a regular payment assignment payer s bank will make sure alternative payment types are available for payments that are pending At the same time payee will receive information that the regular payment assignment has been terminated 1 4 2 Payee s agreement with the bank 1 4 2 1 Entering into an agreement for use of AvtaleGiro When using the AvtaleGiro service an agreement
49. taleGiro An agreement for use of AvtaleGiro must be entered into between payee and payee s bank before they can start using AvtaleGiro The agreement states payee and their bank s rights and responsibilities in connection with the AvtaleGiro service There is only one AvtaleGiro agreement per assignment account p 5 35 nets Assignment A collection of transaction for example due payments in a transmission All transactions in an assignment must belong to the same assignment account There may be more than one assignment per transmission Assignment account Payee s credit account Assignment number Consecutive unique numbering of assignments The assignment number must be unique for the last 12 months 1 day This number is stated by the party that generates the assignment the agreement customer or the data sender Record A transaction may be divided into several records each record containing specific parts of the transaction Transaction Is used in the AvtaleGiro service as a term for a unit in an assignment to from Nets Transaction number Consecutive numbering of the transactions in the assignment The transaction number starts with 1 and is added to by 1 per transaction All records belonging to a transaction must have the same transaction number The number is stated by data sender Transaction type A code that states how a transaction shall be have been handled Waiting register A register where r
50. test via bank is sent test for no specification lines specification lines should be sent at with specification lines the same time Deleting sent due payments Transmission assignment Sending transmission with more than one MUST assignment We recommend that payees with their own software send a test like the software suppliers Testing new functionalities If payee should want to use a function that has not previously been tested a test must be sent before the real production data is sent If not payee must take the consequences for any errors denials that may occur User manual AvtaleGiro v 2 8 p 17 35 nets 2 3 Production testing Before payee starts using AvtaleGiro a production test must be performed and approved by Nets Payees with their own software and software suppliers must always go through a test as described below If payee uses software from a supplier that is already approved for using AvtaleGiro payee may choose to test or start with a quality assurance period as described in this manual Below you will find a description of how this test is performed Contact Nets if you have any questions 1 Payee s bank sends the agreement to Nets for registration together with the agreement for OCR giro When the agreement s have been received by Nets Customer testing will contact payee and state the customer ID for the test that payee must add to the test assignment Test for due payment and reques
51. vantages for payer and payee 1 2 1 For payer By entering into an agreement with their bank for use of AvtaleGiro payer is offered a safe and easy way of paying regular bills Payer will receive regular lists updates over payees that offer AvtaleGiro Payer will always receive a written notification of due payments prior to due date and has the option of stopping the payment Payer is thereby ensured control and safe use of AvtaleGiro see item about notifications to payer and payer s option to not receive notifications Receipt for payments will appear on payer s statement When using the AvtaleGiro and elnvoice combination payers that have entered into an agreement for AvtaleGiro and are internet users may also enter into an elnvoice agreement When using both services the payment will automatically be withdrawn on due date and a notification of future payments via elnvoice will be sent Payer may also receive an e mail with a notification of future elnvoices due payments if payer has informed payee of his her e mail address The due payment is available in the due payment register in the internet bank and a receipt for paid bills will appear on payer s statement 1 2 2 For payee With the AvtaleGiro service the bank registers the customers payers that have chosen AvtaleGiro as a payment service This information is sent payee in a file so that payee may update their customer register files with the correct payment type Accor
52. vedr innleveringsfrist endret to steder fra M v re mottatt i Nets senest kl 14 00 8 kalenderdager f r forfallsdato innsendelsedato telles ikke med Til M v re mottatt i Nets senest kl 14 00 9 kalenderdager f r forfallsdato Betalingskrav varslet direkte fra betalingsmottaker 24 09 01 Tekst endret fra Varsel til betaler skal sendes minst 7 kalenderdager f r forfallsdato Til Varsel til betaler skal sendes minst 7 virkedager f r belastning finner sted Betalingskrav varslet direkte fra betalingsmottaker JHA Tekst i skissen endret fra 7 dagers varslingsfrist Til Husk 7 virkedagers varslingsfrist Betalingskrav varslet direkte fra betalingsmottaker 24 09 01 JHA Tekst i skissen endret fra 7 dagers varslingsfrist Til Husk 7 virkedagers varslingsfrist 2 2 4 2 Gammelt punkt 4 2 Diskettforsendelse er fjernet da bruk 21 08 02 av diskett er opph rt User manual AvtaleGiro v 2 8 p 32 35 nets 5 1 1 1 13 Definisjon av viktige ord og uttrykk Bel psgrense Fjernet noe un dig tekst 5 1 1 1 14 Definisjon av viktige ord og uttrykk SIGILL punktet er fjernet 2 3 1 6 4 2 5 1 1 1 15 Betalers mulighet til velge bort varsel 01 06 03 JHA a Muligheten ble innf rt 08 12 03 og teksten er derfor noe justert 2 3 1 7 SIGILL 01 06 03 JHA Punktet er fjernet 2 3 4 1 Datakommunikasjon tilgjengelighet hos 01 06 03 JHA betalingsmottaker punktet er skrevet om fio jm a Fj ernet DATAFON
53. verse the payment 1 6 7 Deleting due payments After due payments have been sent Nets payee may delete the due payments This is done by sending a file with a request for deletion When a due payment shall be deleted the original transaction must be specified This is also necessary when deleting an entire assignment Payee must therefore be able to reconstruct single transactions If payee should want to alter a due payment amount due date etc the original due payment must be deleted and a new due payment sent The new due payment must keep the deadlines for AvtaleGiro like any other due payment The receipt for received deletion request that could not be carried out will be documented on receipt list L00202 and sent to the list receiver stated on the registration form for AvtaleGiro The deadline for deletion requests see item 4 2 4 1 6 8 Accounting data Accounting data is specifications for settled payment requests For payers who carry out automatic ledger updates accounting data is offered in the form of a data file This is specified in the OCR giro agreement See user manual for OCR giro for further instructions on how accounting data is delivered However two conditions are specific to payment requests settled by AvtaleGiro o Service code is always 09 o Code for transaction type is always 15 1 6 9 Possible adjustment in payee s systems and routines In the table below you will find an overview over all functionalit
54. vnvnnnvnvvnnvnnvnnvnnvnnennennennvnnrn 26 4 1 DEADLINES FOR TRANSMISSIONS AND NOTIFICATIONS cecceeeeeeeeeeeeeeeeeeeeeaeeneaeeeaaes 26 4 1 1 Due payment notification via bank iss eee eee 26 4 1 2 Due payment notification directly from payee e cece eeee cece eee ee eee eeeee 26 4 1 3 Due payment notification via el NVOICE Lecce eee eee te eee 27 4 1 4 Request for deletion ccc ener nents 28 4 2 RECIPIENT CHECK OF FILE TRANSMISSIONS cccceceeeeceeeeeeeeeeeeeeeeeeeeeae tennant eenneeenaas 28 4 2 1 Check of received transmissions in Nets cccceccceeeeeeeeeeeeeeeeaeeeneeeneeenes 28 4 3 ACCOUNTING DATA VIA DATA COMMUNICATIONS 2 cceecee eect eeeeeeeeeeeeeeeeeeeaaeennaee enna 29 4 4 PAYEE S BALANCE CONTROL ad cutie vender kved ned veda eee bee id ed ve 29 4 5 INVOICING EE TE ER 29 5 AMENDMENT LOG FOR THIS MANUAL aunnnnnnnnnnnnnnnnnnvnvvnnvnnvnnvnnennvnnennennennnnnenn 30 User manual AvtaleGiro v 2 8 p 2 35 8 nets 1 This is AvtaleGiro 1 1 AvtaleGiro AvtaleGiro is an electronic payment service offered to both payer and payee Payee sends in due payments for customers that have entered into an AvtaleGiro agreement The bank system ensures automatic withdrawal on due date Payer receives notification of payments before due date and have the option of stopping the payment The notification of payments may be sent via payer s bank or directly from payee 1 2 AvtaleGiro ad
55. ys from to data sender receiver Payer s identification of payment payee If the field for external reference is filled in the reference will appear in the AvtaleGiro information and payer s statement KID customer identification is payee s identification of a due payment The KID must contain the customer number or another unique identification of payer and payment type if payer has several dealings with the same payee Account owner s organization number for business companies National identity number or personnummer for private customers In Nets a Customer ID is used to gather payee s accounts and agreements Sender of data for one or more agreements Data sender may be the agreement customer or for example a data centre Id stated in the file name from a data sender For example a file that is sent via the bank s Corporate Internet Bank The receiver of data for one or more agreements The data receiver may be the agreement customer or for example a data centre The receiver of lists The list receiver may be the agreement customer or for example an accounting agency The customer reference connects the payee and payer in AvtaleGiro The customer reference is in the KID field and consists of payer s unique identification with payee and payment type if any The customer number and payment type is found in specific parts of the KID field for each KID alternative in the registration form for Av
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