In order for the Payee be able to offer Payer the ability to make an agreement, the Payer must send the Payee to the E-Agreement application with information about both parties. This is done by submitting an HTTP POST request with the relevant data included in the body of the request. The information sent to the application must be unique per Payer. The Payer must therefore be identified and the correct information obtained from the accounting system of the Payee.
The Payee may offer the solution within the Payer's "My Site" or after registering as a new customer so that the relevant information can be fetched from the Payee's customer database and/or accounting system. The Payee's website provider is best suited to customise web pages for this.
The Payee cannot convey a simple URL to the application (e.g. via SMS or email) since the data must be sent via a POST request. The following parameters are to be included in the POST data (* denotes a required parameter for AvtaleGiro, ** denotes a required parameter for eFaktura):
- Name of payee*
- Payee account number*
- Payer's KID*
- Suggested amount limit
- Flag to opt out of notifications
- Success URL
- Issuer ID**
- Brand Id**
- eFaktura reference**
- Email address
The end user is identified in the Payee’s website, either through login or as a part of a purchase process
On the Payee's website, the Payer chooses to set up AvtaleGiro, eFaktura, or both, which generates a POST request to Nets' E-Agreement solution.
The Payer is sent to Nets' E-Agreement application.
The Payer authenticates with E-Ident / BankID.
The Payer reviews the information related to the agreement(s), may optionally edit some of the information, and then submits the form.
For AvtaleGiro, the agreement is forwarded to the bank for confirmation*. For eFaktura, the agreement is created and confirmed immediately.
The Payer is redirected to the "return URL" which was provided by the Payee. A status code is appended to the URL as a GET parameter.
* Some banks are set up to validate, confirm, and respond to a new AvtaleGiro agreement request in real-time. For users who choose to use an account from one of these banks, there will be confirmation that the agreement was created successfully or an error message and the opportunity to choose a different account.
The type of agreement(s) which the Payer creates depends on the data which the Payee sends in a request. If the required parameters for both AvtaleGiro and eFaktura are sent, both types of agreements will be created. If only the required parameters for AvtaleGiro are sent, only an AvtaleGiro agreement will be created. Similarly, if only the required parameters for eFaktura are sent, only an eFaktura agreement will be created. Only the fields relevant to the agreement type(s) will be displayed to the Payer.
The following screenshots show the case when both AvtaleGiro and eFaktura agreements are being created.
Payer must authenticate with BankID or BankID for Mobile:
The Payer is identified, and all accounts owned by the user are fetched as options from which the user can select:
The payer receives a confirmation that the agreement request is registered and will be active when it is visible in the online bank. Nets disseminates the agreement information to the Payee's bank for confirmation.
The Payee receives a return code that informs about the outcome of the process, including any error codes for possible follow-up.