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Controlled Budget Funding

WKZ budgets are structured and virtually allocated to divisions, campaigns, retailers, or agreement references. Whether operating under a pre-funded or settlement-based model, funds remain governed by defined approval and payout logic — ensuring transparency, financial control, and clean organizational separation.

Approval-Driven Disbursement with Consolidated Settlement

Only approved retailer claims are disbursed — aligned with your defined workflows and internal policies. Each payout is automatically recorded against structured references, creating a transparent allocation trail.

Novalnet supports consolidated periodic invoicing, simplifying treasury processes while enabling operational flexibility.

Automated SEPA-Native Execution

Subsidy payouts are executed through rule-based SEPA settlement cycles, supporting single, bulk, and recurring disbursements across European markets. Built-in approval thresholds and governance controls ensure scalable, compliant payout orchestration.

Designed for finance, compliance, and audit teams

Complete traceability

Every WKZ payment is linked to its funding source, allocation logic, approval reference, and payout transaction.

Audit-ready reporting

Settlement reports, allocation summaries, and payout files support internal controls, VAT review, and external audits.

Regulated payment infrastructure

Novalnet is a BaFin-licensed payment institute, operating under strict regulatory and operational standards.

Typical WKZ scenarios supported

  • Campaign-based advertising subsidies
  • Performance-linked co-marketing programs
  • Event and trade fair reimbursements
  • POS and in-store promotion funding
  • Multi-retailer, multi-campaign settlement models

Whether WKZ is settled monthly, quarterly, or post-campaign, Novalnet supports the full lifecycle.

How WKZ payments work with Novalnet

Step 1: Fund the WKZ budget

The subsidy provider pre-funds WKZ amounts into a Novalnet settlement account via SEPA Credit Transfer.

Step 2: Allocate funds virtually

Funds are assigned using virtual accounts or references — aligned with agreements, campaigns, or retailers.

Step 3: Validate & approve claims

WKZ claims can be validated against:

  • predefined rules
  • approved measures
  • referenced evidence (documents, links, IDs, hashes)

Novalnet does not need to store the documents themselves — only the references required for auditability.

Step 4: Execute payouts

Approved WKZ amounts are paid out automatically via SEPA Credit Transfer to the beneficiaries.

Step 5: Reconcile & report

Comprehensive reports provide a full trail from funding to payout, ready for finance, audit, and ERP ingestion.

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Integration & automation options

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SEPA Credit Transfer orchestration

Execute WKZ payouts securely and at scale across Europe.

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ERP & finance system integration

Export structured data for AP/AR workflows, credit note processing, and SAP or other ERP systems.

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Batch files & APIs

Submit payout instructions via structured batch files, secure APIs, and scheduled settlement logic.

Frequently Asked Questions

Yes. Novalnet supports the funding, holding, and payout of WKZ amounts via regulated payment flows.

Yes. Novalnet complements existing AP/AR processes by executing the payment layer and providing reconciliation data.

WKZ budgets are typically pre-funded and held in designated settlement accounts until payout instructions are received.

Yes. Bulk and batch-based settlements are fully supported.

More ways we support your business

Segregated funds handling

Clear separation of client funds within regulated structures.

Payment monitoring

Operational controls ensure reliable execution of WKZ settlements.

Compliance-first design

Processes aligned with European regulatory expectations.