Collection solutions (Direct Debit)

Note: Search for the word 'Mastercard' in Unipedia to find all articles about Mastercard Leverandørservice and Betalingsservice.

There are four articles you should read to get started with these charging solutions.

1. Collection solutions (Direct Debit) (this article)
2. Setup (Mastercard)
3. Mandates (Mastercard)
4. Payment suggestions (Mastercard)

Uniconta Direct Debit solutions SEPA and Mastercard (Leverandørservice and Betalingsservice) is a collection method where the payee initiates the payment and is typically used for regular payments where the instruction to the banks for the transfer comes from the payee. The benefits of using Direct Debit are many.

• Receive payments on time. Probably the most obvious reason to use Direct Debit.
• It's an automated process where invoices are reconciled and posted after payments are received.
• Less manual work in accounts receivable accounting.

Uniconta Add-in

Supplier service (B2B)

Leverandørservice is for businesses and is used to create payments in Danish kroner between accounts. Supplier service is intended for recurring payments from debtors (your customers), but you as a creditor can also initiate one-off payments or pay out receivables to your customers. As a creditor, the solution allows you to withdraw your receivables directly from your business customer's account at the bank after agreement with the customer and their bank. It is you as a supplier who then takes the initiative to encourage your customers to register as debtors. Your customer authorizes you as a creditor to withdraw your receivable directly to the account specified by the customer, provided the customer's bank approves the agreement. As a creditor, you must make sure to notify your customers before payment is made on the agreed payment date. Supplier service is reserved for payments between businesses. It is suitable for companies with many invoices - also where the payment deadline is short. The figure below gives you an overview of Supplier Services.  

Payment service (B2C)

Suitable for companies and institutions with many collections, primarily from private individuals. With direct debit, creditors can easily charge their customers. Once your customer has entered into a payment agreement with you, you can initiate automatic payments from your customer's account to your own without the customer having to take any action. Mastercard will notify your customer on the payment overview, which is sent electronically or on paper before the end of the month. Betalingsservice is intended for recurring payments from the debtor, but the creditor can also initiate one-off payments or payments to the debtor's account. Mastercard Betalingsservice offers two types of solutions. Please specify the type of solution agreed with Mastercard. Uniconta supports the solutions below:

• Betalingsservice Basic: Customers must be registered for Betalingsservice.
• Betalingsservice Total: FI cards are sent to customers who are not registered for Betalingsservice, those who are registered are automatically debited via the bank. Customers who are not registered for Betalingsservice can have the invoice sent to their e-boks/Betalingsservice APP if their CPR number or CVR number is stated on the debtor and an agreement has been made with Mastercard. Note: If the CPR number is used, it must be stated in the CVR number field on the debtor.

Differences between Leverandørservice and Betalingsservice

1. In Betalingsservice a notification text can be included - this is not possible Leverandørservice
2. In Betalingsservice you don't need to be notified in connection with a collection. In Betalingsservice, you don't need to be notified of a collection - you do in Leverandørservice. Mastercard sends the customer a complete Betalingsservice overview every month with your notification text.
3. In Betalingsservice, several amounts can be charged/paid on the same day, in Leverandørservice, a maximum of one amount can be charged or paid per debtor per banking day.
4. In Betalingsservice you need to plan your direct debits/payments well in advance. Betalingsservice must have the information by the 6th last banking day of the month before. In Leverandørservice, you can charge with one day's notice - you must still remember to notify the debtor 3 days before - for example, by writing it on the invoice.
5. Leverandørservice requires the debtor to have a CVR number. Betalingsservice can be used by both private individuals and companies.

Creating an agreement with Mastercard (Leverandørservice and Betalingsservice)

In order to collect payments from customers, an agreement must be made with Mastercard. In this connection, it is important to be aware of the following:

The data provider

It is important to specify Uniconta as the Data Provider. The Data Provider is the legal entity that provides data to Mastercard on the basis of a Data Provider Agreement. Uniconta A/S CVR number 33266928 is the Data Supplier and will act as a subcontractor for the creditor. The subcontractor acts on behalf of the creditor according to the same rules and with the same legal effect as if the creditor itself had delivered data to Mastercard.

Supplier service

Important information regarding signing up for Leverandørservice with Mastercard.

Direct debit

Important information when signing up for Betalingsservice with Mastercard.

• Set up Uniconta to create payment ID. Read more here.
• Order a 686 delivery from Mastercard. This is a file that Mastercard generates and sends on the due date. The file is a text file that contains a 'translation' of the posting texts in the bank.

Example of the agreement Here is an example of the agreement made with Mastercard Betalingsservice. The choice of Data Provider must be Uniconta CVR no. The choice of Subsystem must be BS1

Migration of existing Mastercard solution to Uniconta

There are a number of things to consider when switching an existing Mastercard solution to Uniconta. Data Supplier In order to use the Mastercard solutions Leverandørservice and Betalingsservice in Uniconta, Uniconta A/S must be a Data Supplier. At Mastercard you can change the existing agreement Betalingsservice - change data provider Supplier service - change data supplier There is a Data Supplier Agreement for Uniconta, so it does not need to be attached. Supplier service Also remember that 'Yes' must be entered for specified payment information. Mastercard states that it usually takes 4-5 business days from receiving the change until it is completed. During busy periods, the processing time can be even longer. It is important that you carefully plan the timing of the Data Supplier change. All data (collections/payments/mandates) must be completed on the old Data Supplier connection, including the 3 business days when it is possible for the debtor to reverse/reject a payment. It is therefore recommended that the Creditor takes a break of at least 5 business days from the last payment date for data delivered with the old Data Supplier connection, so that Mastercard has time to settle everything and register the Data Supplier connection to Uniconta. Master information on the creditor's agreement is not in place until the day after Mastercard processes the change itself, and only then can you start sending data via Uniconta. Customers who are already enrolled in Leverandørservice in the solution they are being converted from can be activated in Uniconta relatively easily and charging can continue unhindered. Here is a short guide on how to do this. File formats for payment methods You need to create a setup for the payment method Supplier service. Read more here Create Mandates in Uniconta In order to create charges, mandates must be created in Uniconta. Read more about mandates here The mandates are created from Debtor - select all the customers to be charged. Then press the 'Create mandates' button. If a debit account was used as a mandate ID in the previous financial system, remember to activate the parameter 'Use debit account as mandate ID' under 'File formats for payment methods' before creating the mandates. The mandates have now been created, but they must be activated in Uniconta to be used. Activate mandates Here it is important that only the mandates that are registered with Leverandørservice are activated Mandates that are not created with a debtor account as mandate ID will get an auto-generated mandate ID. This must be changed to match the mandate ID the customer is registered with at Mastercard. This will typically be a debit account if the previous solution was a C5. The mandate ID that the customer is registered with at Mastercard is entered in the 'Alternative mandate' field. If you have many customers, you can use Data manipulation, which can be found under tools. The mandate is then activated by pressing the 'Activate' button. Order a file from Leverandørservice A file containing all active mandates can be ordered from Leverandørservice. The file is automatically received in Uniconta's file archive and can be loaded from there. Leverandørservice charges a fee for this service. A Payment method with the correct Creditor number must be created for the file to be received. Betalingsservice Customers who are already registered for Betalingsservice in the solution they are being converted from can be activated in Uniconta relatively easily and collection can continue unhindered. Here is a short guide on how to do this. File formats for payment methods A setup must be made for the payment method Betalingsservice. Read more here Create Mandates in Uniconta In order to create charges, mandates must be created in Uniconta. Read more about mandates here The mandates are created from Debtor - here you select all the customers to be charged. Then press the 'Create mandates' button. If a debitor account was used as a mandate ID in the previous financial system, remember to activate the parameter 'Use debitor account as mandate ID' under 'File formats for payment methods' before creating the mandates. The mandates have now been created, but they must be activated in Uniconta to be used. Activate mandates Here it is important that only mandates that are registered with Betalingsservice are activated Mandates that are not created with a debtor account as mandate ID will get an auto-generated mandate ID. This must be changed to match the mandate ID the customer is registered with at Mastercard. This will typically be a debit account if the previous solution was a C5. The mandate ID that the customer is registered with at Mastercard is entered in the 'Alternative mandate' field. If you have many customers, you can use Data Manipulation which can be found under Tools. After that, there are two ways to activate a mandate:

• It is recommended to use this activation. Request Mastercard to send a 603 delivery containing all active mandates. Here you do not need to fill in the field 'Identification of the agreement'. Uniconta will then activate all the mandates when the file is received from Mastercard. Remember to click Import under Payment proposal (Read more here)
• There is also this option. If you fill in the field 'Agreement identification', which is an Agreement number issued by Mastercard, you will be able to activate the mandate directly from Uniconta - by pressing the 'Activate' button. This solution will not validate if the mandate is active with Mastercard. It requires a 603 delivery, which is described in point 1.

In general