From 5eb3696b8112f201c4fe6e900910a677e19ef965 Mon Sep 17 00:00:00 2001 From: tommycurnyn <43675553+tommycurnyn@users.noreply.github.com> Date: Fri, 8 May 2020 17:01:39 +0100 Subject: [PATCH] Improved links from OBUK Quick Start and added some Bacs-specific edits to the DD and CT section --- _data/glossary.yml | 2 + _data/sidebars/np_sidebar.yml | 24 ++++++------ pages/prodNuapay/np_ddpayments.md | 37 ++++++++++++++++-- pages/prodNuapay/np_mdtbasics.md | 23 ++++++----- pages/prodOpenBanking/ob_checkoutoverview.md | 4 +- .../ob_checkoutoverviewmerch.md | 1 + pages/prodOpenBanking/ob_createpayment.md | 3 ++ pages/prodOpenBanking/ob_getbank.md | 2 + pages/prodOpenBanking/ob_paymentcallback.md | 2 + pages/prodOpenBanking/ob_quickstart.md | 26 ++++++------- pages/prodOpenBanking/ob_quickstartpart.md | 39 ++++++++++--------- pages/prodOpenBanking/ob_retrievepayment.md | 2 + 12 files changed, 106 insertions(+), 59 deletions(-) diff --git a/_data/glossary.yml b/_data/glossary.yml index f488cf8..cf97ea2 100644 --- a/_data/glossary.yml +++ b/_data/glossary.yml @@ -7,6 +7,8 @@ credit_transfer: "A Credit Transfer or CT is a payment instruction from one acco direct_debit: "A Direct Debit or DD is a payment initiated by an originator that pulls the requested amount from the payer's bank account. Payers must have agreed to the payment being pulled from their account in advance by signing a mandate or Direct Debit Instruction. " +ddi: "A Direct Debit Instruction - used in the Bacs Direct Debit scheme to gain a payer's authority to debit his/her account; a DDI is the SEPA equivalent of a Direct Debit Mandate." + otp: "One-Time Password" psu: "Payment Service User - the person using the payment service - the payer." diff --git a/_data/sidebars/np_sidebar.yml b/_data/sidebars/np_sidebar.yml index 5be25ea..3921b83 100644 --- a/_data/sidebars/np_sidebar.yml +++ b/_data/sidebars/np_sidebar.yml @@ -31,7 +31,7 @@ entries: output: web, pdf folderitems: - - title: Mandate Basics + - title: Mandate / DDI Basics url: /np_mdtbasics.html output: web, pdf @@ -79,7 +79,7 @@ entries: output: web, pdf - - title: Mandates + - title: Mandates / DDIs output: web, pdf folderitems: @@ -87,44 +87,44 @@ entries: url: /np_mdtoverview.html output: web, pdf - - title: Mandate Statuses + - title: Mandate / DDI Statuses url: /np_mandatestatuses.html output: web, pdf subfolders: - - title: Mandate APIs + - title: Mandate / DDI APIs output: web subfolderitems: - - title: Create Mandate + - title: Create Mandate / DDI url: /np_createmandate.html output: web - - title: Retrieve Mandate + - title: Retrieve Mandate / DDI url: /np_retrievemandate.html output: web - - title: Retrieve Mandate Document + - title: Retrieve Mandate / DDI Document url: /np_retrievemandatedoc.html output: web - - title: Upload Mandate Document + - title: Upload Mandate / DDI Document url: /np_uploademandatedoc.html output: web - - title: List Mandates + - title: List Mandates / DDI url: /np_listmandates.html output: web - - title: Update Mandate + - title: Update Mandate / DDI url: /np_updatemandate.html output: web - - title: Activate Mandate + - title: Activate Mandate / DDI url: /np_activatemandate.html output: web - - title: Cancel Mandate + - title: Cancel Mandate / DDI url: /np_cancelmandate.html output: web diff --git a/pages/prodNuapay/np_ddpayments.md b/pages/prodNuapay/np_ddpayments.md index b2ea92a..9864beb 100644 --- a/pages/prodNuapay/np_ddpayments.md +++ b/pages/prodNuapay/np_ddpayments.md @@ -5,9 +5,40 @@ summary: "Once your mandate is created you can link single Direct Debit or payme sidebar: np_sidebar permalink: np_ddpayments.html folder: product2 +toc: false --- +## Overview + +In Direct Debit payments: + +* A Direct Debit is linked to a mandate (in SEPA) or to a Direct Debit Instruction - a DDI (in Bacs). +* Direct Debit payments are **pulled** from your payers' accounts on the collection date and credited to your Nuapay merchant account. +* Depending on your business model you may decide to create single Direct Debit payments or, more typically, configure a schedule of recurring payments. +* For more information on Direct Debits see the [Direct Debit Overview](np_ddoverview.html) section. + +## Scheme Overview + +Every Direct Debit payment must be linked to a mandate or a DDI and every mandate/DDI must be linked to a specific scheme and currency. + +Nuapay supports the following Direct Debit schemes: + +|**Scheme Name**|**Currency**| +|SEPA CORE| EUR| +|SPEA B2B| EUR| +|Bacs|GBP| + +The SEPA scheme is managed by the European Payment Council. In the UK, Bacs is responsible for various payment schemes including the Direct Debit scheme. + +Both the EPC and Bacs publish guides and rulebooks (which are generally updated on an anual basis) related to how the schemes should be implemented. Nuapay is fully compliant with these rulebooks and constantly monitor and update our Direct Debit solution as required to ensure that we remain fully compliant. + + +## Scheme Differences + +|**Scheme Name**|**Mandate Lodged with Debtor Bank?**|**Earliest Export Date**|**Pre-Settlement R-Transactions Possible?**|**Post-Settlement Return Period**|**Refunds Allowed?**|**Refund Period (athorised)**|**Refund Period (Unathorised)**| +|SEPA CORE| No| D-1|Yes|D+5|Yes|D+8 weeks|D+13 months| +|SEPA B2B|Yes (Manual Process)|D-1|Yes|D+3|No|N/A|N/A| +|Bacs DD|Yes (Automated)|D-3|No|D+3|Yes|No Time limit|No Time limit| + + -

A Direct Debit payment is linked to a mandate. The Direct Debit is pulled from your payer's account on the settlement date and credited to your merchant account.

-

Depending on your business model you may decide to create single Direct Debit payments or, more typically, configure a schedule of recurring payments.

-

For more information on Direct Debits see the Direct Debit Overview section

diff --git a/pages/prodNuapay/np_mdtbasics.md b/pages/prodNuapay/np_mdtbasics.md index 66e2a76..844f3c6 100644 --- a/pages/prodNuapay/np_mdtbasics.md +++ b/pages/prodNuapay/np_mdtbasics.md @@ -1,23 +1,26 @@ --- -title: Mandate Basics -keywords: Mandates -summary: "Mandates/Direct Debit Instructions (DDIs) are the starting point for your Direct Debit payments processing. A signed mandates gives your business the legal authority to debit funds from your payers' accounts for the goods or services that you supply. " +title: Mandate / Direct Debit Instruction Basics +keywords: Mandates Direct Debit Instruction +summary: "Mandates/Direct Debit Instructions (DDIs) are the starting point for your Direct Debit payments processing. A signed mandates/DDI gives your business the legal authority to debit funds from your payers' accounts for the goods or services that you supply. " sidebar: np_sidebar permalink: np_mdtbasics.html folder: prodNuapay --- -## What is a Mandate? +## What is a Mandate/ DDI? -{% include important.html content=" Each of your payers must sign a mandate before you can take any Direct Debit payments!" %} +{% include important.html content=" Each of your payers must sign a mandate/DDI before you can take any Direct Debit payments!" %} Direct Debits are a Pull payment method (you are pulling funds from your payers' accounts). -When paying for your service with Credit or Debit Cards, for example, your payers are fully in control of the payment and they decide when to credit funds to you. Card payments are Push payments (your payers push payments to you). +When paying for your service with Credit or Debit Cards, for example, note that your payers: + +* Are fully in control of the payment and they decide when to credit funds to you. +* Card payments are Push payments (your payers push payments to you). As a merchant, having the ability to initiate a pull payment is very powerful. To ensure that payers are safeguarded and are fully aware that you will be taking (pulling) payments from their accounts at certain points in time, they must formally agree to allow you to take these pull payments. -{% include note.html content="This agreement between the payer and merchant is the Mandate. It is a legal agreement that informs users that they are agreeing to have their bank account debited periodically and also provides them with full details of their refund rights." %} +{% include note.html content="This agreement between the payer and merchant is the Mandate (in SEPA) and the Direct Debit Instruction (in Bacs). It is a legal agreement that informs users that they are agreeing to have their bank account debited periodically and also provides them with full details of their refund rights." %} ## SEPA Guarantee @@ -34,13 +37,13 @@ For Bacs the Direct Debit Guarantee and Direct Debit logo must be provided on al -## Mandate Types +## Mandate/DDI Types -You may chose to collect mandates on paper, with a normal ink signature; alternatively mandates can be handled electronically (with authorisation being provided via a check box or SMS code, for example). Nuapay offers you the flexibility to choose either approach. +You may chose to collect mandates on paper, with a normal ink signature; alternatively mandates/DDIs can be handled electronically (with authorisation being provided via a check box or SMS code, for example). Nuapay offers you the flexibility to choose either approach. For more information on electronic mandates, see the E-Mandates section. -{% include note.html content="All your mandates must be linked to a specific originator identifier that is unique to your business. This identifier is the Creditor Scheme ID (in the SEPA CORE schemes) or the Service User Number (SUN in the Bacs Direct Debit scheme)." %} +{% include note.html content="All your mandates/DDIs must be linked to a specific originator identifier that is unique to your business. This identifier is the Creditor Scheme ID (in the SEPA schemes) or the Service User Number (SUN in the Bacs Direct Debit scheme)." %} {% include links.html %} diff --git a/pages/prodOpenBanking/ob_checkoutoverview.md b/pages/prodOpenBanking/ob_checkoutoverview.md index bef858c..1ff6713 100644 --- a/pages/prodOpenBanking/ob_checkoutoverview.md +++ b/pages/prodOpenBanking/ob_checkoutoverview.md @@ -33,9 +33,9 @@ An API Key or OAuth token uniquely identifies you on Nuapay and is required to a For more on API Keys and OAuth, see the API Basics section. -## Generating a Unique Payment ID +## Calling the Payment Endpoint -Each Open Banking payment requires a unique payment identifier. +The Open Banking payment endpoint returns a payment identifier on a successful invocation. To generate a payment ID: diff --git a/pages/prodOpenBanking/ob_checkoutoverviewmerch.md b/pages/prodOpenBanking/ob_checkoutoverviewmerch.md index 2ece3df..cdbb55b 100644 --- a/pages/prodOpenBanking/ob_checkoutoverviewmerch.md +++ b/pages/prodOpenBanking/ob_checkoutoverviewmerch.md @@ -25,6 +25,7 @@ A detailed overview of the various steps involved in this flow is provided in th {% include tip.html content="Click Extend from the top menu to enlarge or click the image itself to open it in a new browser tab/window" %} + {% include image.html file="ob_checkout_flow-merchant.png" url="images/ob_checkout_flow-merchant.png" target = "_new" alt="Checkout Flow - Merchant" caption="CHECKOUT Flow - Merchant" %} ## Authorisation diff --git a/pages/prodOpenBanking/ob_createpayment.md b/pages/prodOpenBanking/ob_createpayment.md index 529e29b..2cfc835 100644 --- a/pages/prodOpenBanking/ob_createpayment.md +++ b/pages/prodOpenBanking/ob_createpayment.md @@ -82,6 +82,9 @@ If you do not specify an account in this request, and assuming the PSU has more {% include urls-ob.html %} +## Create Payment Endpoint + +