Welcome to our Billwerk+ Optimize Help Center

This guide informs you how our payment_method parameter is working

You can use the parameter payment_methods (part of the Checkout Payment Methods) to set by default a payment method that will be shown to your customer in the checkout window.

Example:

You can see this as a live example on our customer bandageshoppen.dk.

It is your acquirer agreement(s) who are actually controlling/determining which cards you can accept.

But regardless of the cards you have activated on your acquirer agreement, you are able to overwrite the selected cards by using the payment method parameter.

This example from a session shows how you 'limit' the cards you can accept to:

"payment_methods": ["dankort","visa","visa_dk","mc"],

Example:

Your customer tries to pay with a VISA Electron visa_elec.

The error: Card number does not match any of the permitted card types will pop up, since you have limited the pay types, even though VISA Electron is activated on the Clearhaus agreement.

If you would like to get an acquiring agreement from Billwerk+, you can apply for one by using this application.

If you have an existing acquiring agreement, please follow these steps:

Clearhaus is an acquirer and financial institution across 33 countries.

In this article you will find

Settlements & Transactions

We assume that you would like to reconcile the transactions that you have processed through Billwerk+ Payment. Depending on the acquirer, normally you can access a settlements section in the acquirer's dashboard.

For Clearhaus, you can navigate to Clearhaus Dashboard → Select merchant name → Settlements.

Once you have navigated to the Settlements section, you can search for the currency, period, payout dates as well as extracting the data in a .pdf, .xls or .csv format.

Nets is the leading payment provider in the Nordics.

Elavon is a payment provider since over 30 years and one of the global leaders.

Swedbank is a traditional Swedish bank providing all types of financial services.

Worldline Acquiring handles in-store and online payments across over 80 currencies.

Valitor is a merchant services, acquirer, card issuer and payment gateway solutions company headquartered in Hafnarfjörður, Iceland.

This article gives you a brief overview on how authorizations and reservations works.

An authorization via NETS/Swedbank/Elavon etc. does not actually expire, but the more days that go by between authorization and settle, the greater the risk that you will receive a refund with the reason late settle.

If the settle is made within 7-30 days, you will not receive such a refund. The longer you wait with the settle, the greater the uncertainty there is for unsuccessful settle.

If you are using Clearhaus as an acquirer the authorization will automatically expire after 179 days, meaning that it can't be settled after that.

Depending on the type of card, the amount is reserved for 7-30 days on your customer's account, when a successful authorization is carried out.

There is nothing that you as a merchant or Billwerk+, can do to speed up the process.The customer may be successful in contacting his/hers bank.

For further clarification on this topic, we recommend that you have a talk with your specific acquirer.

If the products sold in your new webshop are in the same category as the products sold in your current webshop and you want to receive your settlements from us in the same currency, you can use the existing agreement.

You simply need to send us an email with your new domain name. Remember to include your customer number (MID) or company name.

If the new webshop is selling products in a different category or if you wish to receive payments from the new webshop in a different currency you will need to make a new agreement with us.

MobilePay is a digital wallet for iOS and Android that can be used for person to person transfers, in-store purchases, subscriptions, invoices, eCommerce transactions etc.

MobilePay Online is essentially a way for the user to accept eCommerce / Online payments in the MobilePay app. When the user accepts the payment, their card data is transferred to the PSP who can then do the authorization towards the acquirer chosen by the web shop.

Summary

This article will show you

MobilePay during Checkout

When a customer chooses MobilePay a payment session will be initialized, the customer will be prompted with the MobilePay option through Billwerk+ Pay checkout. When the customer clicks on Continue the session will be redirected to MobilePay Online.

After the redirect has taken place, the customer will be prompted with the MobilePay Online notification on their device after they have entered their mobile number. There will be a 5-minute timer to complete this purchase, if this time elapses the transaction will be canceled and the session shall expire.

After the customer has approved the purchase, with a successful response of payment this can be considered complete, but like most other transactions your capture of the payment is needed to settle the transaction.

MobilePay Subscriptions is MobilePay’s service for receiving recurring payments.

In this article you will learn

Apple Pay is a mobile payment service by Apple Inc. that allows users to make payments in person, in iOS apps, and on the web. It is supported on iPhone, Apple Watch, iPad, and Mac. It digitizes and can replace a credit or debit card chip and PIN transaction at a contactless-capable point-of-sale terminal.

In this article you will learn

Vipps is a Norwegian mobile payment application designed for smartphones developed by DNB.

For Vipps Recurring please choose Vipp Recurring instead of Vipps in step 5.

PayPal Holdings, Inc. is an American multinational financial technology company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods such as checks and money orders. The company operates as a payment processor for online vendors, auction sites and many other commercial users, for which it charges a fee.

Swish is a mobile payment system in Sweden. The service was launched in 2012 by six large Swedish banks, in cooperation with Bankgirot and the Central Bank of Sweden.

The first thing you need to do is to get a Swish agreement with one of these Swedish banks that support Swish payments.

These banks are currently supporting Swish:

Once you have a Swedish bank account:

Once you got your Swish trade number, you will need to activate Swish in our application.

Google Pay is a mobile payment service developed by Google to power in-app, online, and in-person contactless purchases on mobile devices, enabling users to make payments with Android phones, tablets, or watches.

In this article you will get

ViaBill allows your customers to pay for their purchases over time, interest-free. This way they can buy now at a price that works for them.

Good job! Now your clients can use ViaBill to use instalments.

Klarna Bank AB, commonly referred to as Klarna, is a Swedish fintech company that provides online financial services such as payments for online storefronts and direct payments along with post-purchase payments.

This article shows you

Resurs Bank is a Nordic finance company that offers instalment payment solutions and our partner.

Would you like to hear about these opportunities?

Please contact Michael Abild at michael.Abild@resurs.dk or Thomas Petersen at thomas.Petersen@resurs.dk from Resurs Bank.

When you get the agreement we will help you set up Resurs Bank in the Billwerk+ Pay administration. Please contact ree-support@billwerk.plus.

You can add Anyday to your checkout to give your clients the opportunity to slice their payments.

Go to Configuration > Payment Methods then scroll down to the Instalments box.

Click on Anyday.

Now insert the API key and Private key to establish the connection.

Click on .

3D Secure frictionless is the newest iteration of 3D Secure:

This means that the payments are being made with 3DS, but the customers are not forced through the flow, which can have a positive impact on your conversion rate.

Interchange ++ benefits you, it refers to a pricing model where the acquirer will charge a merchant, for every card transaction, using a rate made of three components:

The sum of these three fees is the final rate that the merchant is being charged with for every transaction. The benefit of such a pricing model over the fixed blended rate model is full transparency, resulting in lower overall fees.

Interchange percentage fee (IC)

Due for every card transaction, this exchange fee is paid by the merchant bank (acquirer) to the customer’s bank (issuing bank). This is why it is also called the issuer fee.

0.20% - 1.80% on each transaction

Card scheme fee (+)

Card organisations such as Visa or Mastercard charge a fee for handling and processing each transaction; this fee may vary depending on the location, security of the transaction or card type.

0.02% - 0.65% on each transaction

Acquirer fee (+)

A fixed fee is charged for the provision of a card service; this fee already covers the costs of service processing.

Your offered price from the acquiring bank.

The presented method :

This article focus is on the manual method.

You ask yourself, when you get the money paid out to my bank account, after a successful payment?

It all depends upon your agreement with the acquirer, some pay out every day with two days delay, while others do it a fixed week day with a 3 days delay.

If you for example use Clearhaus and have weekly payout that will mean that transactions done from Monday til next coming Monday 9pm will be payed out next Thursday. This payout have 3 days delay.

If you want to know more about when your transaction are payed to you bank account, please contact your acquirer.

This article show you how to enable or disable a payment method or acquirer agreement in Billwerk+ Pay.