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Now you've learned how to customize and send invoices. Understanding what happens in Invoice PaymentFlow helps provide the smoothest experience for both you and your users. Invoices can be a one-time bill that you charge your customer.

Invoice API - Reconciliation

It is important to ensure that the balances match at the end of the particular account period. It is easy to do reconciliation with Invoice.

If you fill out the field PaymentReference, then the ID follows, that you’ve written as a PaymentReference, for the payment, if the merchant has chosen Instant Transfers. PaymentReference is not a required string, as it is completely up to the merchant to decide, the needed ID used to reconcile transactions with the bank. If you do not fill out PaymentReference, then it would be the input from the field InvoiceNumber, that will be the reference on the payment, which is why it is also a required string.

Reconciliation

It is possible to do reconciliation in three ways:

  1. API Callback: You get the status on the invoice through the API. When the Invoice has status paid it means that the money has been transferred to the customer’s bank. If you have instant transfer method chosen, then the individual transactions will contain the same PaymentReference, that you have assigned, and that PaymentReference, will be returned through the API.
  2. Export CSV/XLSX file: The merchant logs-in to our MobilePay portal where the transactions can be exported in a CSV- or XLSX-file.
  3. Use the Reporting API.

For example, if the merchant wants to use their FIK-Creditor-ID for transactions, then you simply choose the reference number, which can be the merchant FIK Creditor ID. There are no special requirements for the merchant FIK creditor-ID to be able to use it for MobilePay Invoice.

All possible invoice statuses returned in callback body can be found in Get invoice status section.

Invoice Transfers

It is important to know which transfer type are possible to use as a merchant. There are two:

  • Instant Transfer: Transfers are executed for each payment automatically.
  • Daily Transfer: Transfers are executed once per day for all payments per day
Instant TransferDaily Transfer
WHEN TRANSFER IS DONEMobilePay transfer instantly after User pays the Invoice. Transfer might reach Merchant account later then MobilePay executes transfers. It depends on Merchant bank transfer times.MobilePay does transfer ones per day, at night. Payments payed on day X will be transferred on day X+1. Transfer might reach Merchant account later then MobilePay executes transfers. It depends on Merchant bank transfer times.
REFERENCE NUMBERField PaymentReference is used as Reference number. If not filled, InvoiceNumber will be used as reference.Reference number is generated by MobilePay. External Rules here.
HOW TO SET ITMerchant can set Instant transfers for each Invoice issuer in MobilePay portal.Merchant can set Daily transfers for each Invoice issuer in MobilePay portal.
BANK STATEMENTPaymentReference or InvoiceNumber will be used in bank statement in fields: DK: Text field. FI: Text field and Reference no. field.MobilePay generated reference number will be used in bank statement in fields. DK: Text field. FI: Text field and Reference no. field.

Reporting api

With the Reporting API, you can quickly find all information associated with each of your payment

When using the Reporting API, you will be introduced to the term paymentPointId. paymentPointId is a GUID assigned to payment point.

APIPaymentPointIDObtained
InvoiceInvoiceIssuerIDYou can call GET /api/v1/merchants/{merchantId}/invoiceissuers, which will return a list of all invoice issuers, associated with that merchant. Read more here

ExternalTransactionID

APIExternalTransactionID
InvoiceThe individual transactions will contain the same PaymentReference, that you have assigned, and that PaymentReference, will be returned through the API.

ExternalTransactionId is ID that could be provided by merchant / payment integrator when initiating payments. In general, it can be used for correlating transactions between MobilePay and external (merchant/integrator) system.

Learn more about Reporting API here.