Specifications Direct Debits NL SEPA DIRECT DEBIT (SDD) changes

Transcription

1 Specifications Direct Debits NL SEPA DIRECT DEBIT (SDD) changes

2 Version Version Date Revision Concept Review Adding field numbers for Batch files Content Introduction PM-Brand combination Configuration page E-commerce changes DirectLink-Batch changes

3 Introduction As of Feb 1 st 2014 the processing of Direct Debits will change significantly because of the implementation of SEPA rules and regulations. Ogone has prepared these changes to ensure you, as a merchant, can continue accepting payments via Direct Debits. Within Ogone we ve anticipate these changes for following payment methods and refunds: Direct Debits NL SEPA Direct Debits regulations Refunds of Direct Debits NL SEPA Credit Transfers regulations Refunds of ideal transactions SEPA Credit Transfers regulations Ogone works with the Corporate Payment Services (CPS) service of Equens to ensure all merchants can continue using their current bank. However still some administrative and technical changes have to be anticipated. This document describes mainly the technical changes to be done in the different modes. On the administrative part a merchant should do the following: Apply for a CreditorID with your bank when you want to process SEPA Direct Debits Indicate to your bank that you will use the CPS service of Equens with Ogone as a service agency. And specify whether you want to use this for SEPA Direct Debits or for SEPA Credit Transfers. The latter is for processing refunds on Direct Debits or for ideal refunds via the option IDERFD. It will be possible to register you ll use CPS via Ogone in the 2 nd part of December when our certification is done. If the activation of SCT and/or SDD for CPS is done correctly with your bank, it will no longer be needed to send a confirmation fax towards Equens to have your transactions processed as banks used to request with ClieOp. On a technical level we upgraded the Direct Debits NL payment method and as a merchant you can decide yourself when to switch to the SEPA mode with a parameter on the configuration page. The option to download the transaction file as it was previously possible with the ClieOp payment file is no longer available. PM-brand combination to call the PM (unchanged): PM: Direct Debits NL Brand: Direct Debits NL

4 Configuration page: Merchant needs to insert his CreditorID in the config page Merchant needs to put in his IBAN and BIC instead of the current account number of 9 digits A flag will be implemented to allow to switch to the new SEPA version: o Flag is switched on: new SEPA version will be used as described below o Flag is switched off: current ClieOp version will be used. So below described changes won t be applied. To be able to switch on the flag; the CreditorID, IBAN and BIC will have to be entered. The CreditorID is to be obtained by the merchant from his bank. The format of the Dutch CreditorID is: 17 characters alphanumeric. In general a CreditorID can be up to 35 alphanumeric characters. New fields for SEPA Direct Debits: Following parameters are created or adapted to process SEPA Direct Debit transactions: CARDNO: existing field will be used for IBAN of Buyer BIC (AN 11): new field for BIC code of the bank of the buyer MANDATEID (AN35): all transactions should be done under the mandate agreed between merchant and his customer. This Unique Mandate Reference should be a unique reference for the merchant. The UMR is maximum 35 characters and character set is: A-Z a-z 0-9 space /-?:().,'+ SIGNDATE (YYYYMMDD): the date the mandate between merchant and his customer was signed SEQUENCETYPE (AN 4): indicates whether the mandate is the first one of a collection, a recurrent one, a final one or a One-off. Possible values: FRST, RCUR, FNAL and OOFF. These parameters will be applied for the different modes to process SDD transactions on to the Ogone platform: e-commerce, DirectLink, Batch and eterminal. Further in this document we highlight what changes you need to anticipate for e-commerce, DirectLink and Batch. For eterminal you ll need to input these parameters in the Back Office.

5 See schedule below: Parameter Value Content What if empty CARDNO AN35 IBAN - Buyer Transaction blocked BIC AN11 BIC - Bank Buyer Transaction blocked MANDATEID AN35 Unique Mandate ORDERID will be used Reference SIGNDATE YYYYMMDD Signature Date on Mandate Transaction Date will be used SEQUENCETYPE AN4 Indicate state of mandate OOFF will be taken Possible values: FRST First collection of a series of Direct Debit instructions RCUR Direct Debit instruction where the debtor's authorization is used for regular Direct Debit Transactions initiated by the creditor. FNAL First collection of a series of Direct Debit instructions (afterwards same MandateID can t be used anymore) OOFF Direct Debit instruction where the debtor s authorization is used to initiate one single Direct Debit transaction. In case your buyer, the debtor, changes his IBAN/BIC we advise you to change the Unique Mandate Reference as well. This will avoid problems with the processing of your Direct Debit transactions under SEPA. In case you don t provide the MANDATEID, SIGNDATE and SEQUENCETYPE, we will use default values: MANDATEID: ORDERID (if ORDERID is not compliant the PAYID will be used) SIGNDATE: date of transaction SEQUENCETYPE: OOFF (One Off) However not all combinations are possible; see schedule:

6 E-commerce changes: The new/adapted fields are presented on the payment page or are to be provided in the redirection: Fields that will be presented on the payment page: o IBAN o BIC They replace the current account number field. Extra parameters that should be sent in the redirection: o MANDATEID o SIGNDATE o SEQUENCETYPE If these fields aren t provided; the Ogone platform will take standard values so the transaction can be processed anyway: o o o MANDATEID ORDERID SIGNDATE Date of transaction SEQUENCETYPE Transaction will be considered as a One-Off OOFF

7 DirectLink changes: The same parameters need to be provided here. Fields to be passed (next to PM/Brand): Field Name Content Mandatory Format/Remark CARDNO IBAN Buyer Y IBAN: can be up to 35 characters. BIC BIC bank code Buyer Y BIC can be up to 11 AN characters MANDATEID Unique Mandate Reference Y If not provided ORDERID will be taken SIGNDATE Date Mandate was signed by Y If not provided transaction date buyer will be taken SEQUENCETYPE 4 possible values to indicate the kind of Direct Debit transaction Y If not provided transaction date will be taken CN Bank account holder s name Y Standard field ED Expiry date Y 99/99 or 9999 to be used OPERATION Y Possible Values: Indicate what action needs to be performed *SAL/SAS: debit money from the bank account *RFD/RFS: credit money to the bank account (maintenance operation)

8 Batch changes: The same parameters need to be provided here. Fields to be passed (next to PM/Brand): Field Name Field No. Content Mandatory Format/Remark CARDNO 4 IBAN Buyer Y IBAN: can be up to 35 characters. BIC 38 BIC bank code Buyer Y BIC can be up to 11 AN characters MANDATEID 39 Unique Mandate Reference Y If not provided ORDERID will be taken SIGNDATE 40 Date Mandate was signed by buyer Y If not provided transaction date will be taken SEQUENCETYPE 41 4 possible values to indicate the kind of Direct Debit transaction CN 8 Bank account holder s name Y Y If not provided transaction date will be taken Standard field ED 5 Expiry date Y 99/99 or 9999 to be used OPERATION 10 Indicate what action needs Y Possible Values: to be performed *SAL/SAS: debit money from the bank account *RFD/RFS: credit money to the bank account (maintenance operation)