Registered users

Have an account? Login in now

Login

New customers

Create account instantly

Get Started Contact Sales

Start accepting payments online.

Sales:
+49 89 9230683-20
sales@novalnet.de
Support:
+49 89 9230683-21
support@novalnet.de
Endcustomer support:
+49 89 9230683-29 (Mon - Fri 9 am - 4 pm)


Close
×

Novalnet's instant plugins make integration a breeze.

Thank you for your interest. We'll get back to you soon!
There is an issue while processing your request. We'll get it fixed and get back soon. Thank you for your interest.
×

Get support Get guidance from Novalnet's finance, business and technology experts.

Thank you for your interest. We'll get back to you soon!
There is an issue while processing your request. We'll get it fixed and get back soon. Thank you for your interest.
×

Feedback & Complaints Our support team will assist you in resolving your concerns or complaints.

Thank you for your interest. We'll get back to you soon!
There is an issue while processing your request. We'll get it fixed and get back soon. Thank you for your interest.
×

Request Pre-approval Submit this form if your business falls within a restricted category.

Thank you for your interest. We'll get back to you soon!
There is an issue while processing your request. We'll get it fixed and get back soon. Thank you for your interest.
×

Get in touch Get guidance from Novalnet's finance, business and technology experts.

Thank you for your interest. We'll get back to you soon!
There is an issue while processing your request. We'll get it fixed and get back soon. Thank you for your interest.

Create account |    Already registered? Sign in Your account details will be emailed to you in one business day.

Thank you for your interest. We'll get back to you soon!
There is an issue while processing your request. We'll get it fixed and get back soon. Thank you for your interest.

Get Started
Skip to content
Template name: white header 1page.php
  • Our Solutions
    • Payment Solutions
      • Full-service Payment Processing150+ payment methods, 125+ currencies
      • Split payments and revenue shareAutomated Marketplace & Affiliate Management
      • Instant Payment PluginsPlugins for E-commerce, ERP and CRM platforms
      • One-Click PaymentsUser-friendly and secure using tokenisation
      • Pay-by-LinkThe simplest way to accept payments
      • Phone PaymentsAccept payments using IVR
      • Subscription ManagementFlexible secure recurring payments
      • Virtual IBANAutomated credit assignment for invoice and pre-payments
      • Payment GuaranteeEliminate the risk of non-payment
      • Virtual TerminalAccept offline payments
    • Safety & Security
      • Novashield Payment ProtectionIntelligent fraud prevention and risk management
      • Dunning & Debt CollectionAutomated claims management
      • Escrow AccountsProtect your funds from insolvency
      • Technology & PlatformSaaS for best performance and availability
      • Data CentersFully secure and located in Germany
    • Services & Support
      • Analytics & ReportsEasy sync for your accounting system
      • Automated InvoicesCreate and send invoices to your customers
      • Debtor ManagementAutomate your bookkeeping
      • End-user SupportPayment support for your customers
      • Technical SupportSupport for implementation and maintenance
      • TaxationTurnover and location-based tax automation
      • Document ManagementSupports full-customisation and secure archiving
  • Business cases
    • E-commerceOnline and physical payments centralized in an omnichannel system
    • SaaSManage recurring billing & subscriptions
    • MarketplacesGlobal payouts with complex cash flows
    • PlatformsPayment acceptance via your platform for your customers
  • Integration
    • Interfaces
    • Instant Payment Plugins
    • Knowledge Center
    • Pricing
  • Company
    • About Novalnet
    • Management Team
    • Partners
    • Clients
    • Licenses
    • Awards
    • Careers
  • Blog
  • Contact
  • Account

More payment functions

MORE PAYMENT FUNCTIONS

Waiting status (“Authorization” / “On-Hold” function)

Another option that Novalnet offers for payments by direct debit and credit card is the waiting status (“on hold” function). A payment call is initially carried out including fraud prevention, but not yet finally completed. In the case of direct debit payments, this means that the direct debit has not yet been forwarded to the bank; In the case of a credit card payment, the amount is initially reserved on the end customer’s credit card, but not yet finally charged. The payment is only completed when the payment has been confirmed by your company (transfer of the direct debit to the bank for collection or debiting of the reserved amount on the end customer’s credit card). A confirmation (or cancellation) of the payment can be made both through the administration interface and via the interface. In addition, a deadline can be set after which the payment is automatically activated unless a cancellation has been made in the meantime. This method is often used by dealers whose business includes products that are delivered to the customer with a time delay. In these cases, you can first reserve the amount on the card and later, when the product is ready for delivery, collect the reserved amount. This process allows merchants to avoid refunds and unnecessary chargebacks due to an earlier booking and later delivery. You also avoid refund or chargeback fees for an existing authorization if the product is not available or cannot be delivered! Payment methods that support this authorization process are credit card, SEPA direct debit, purchase on account and PayPal.

Collection or deactivation of a transaction

If a transaction has been processed as an authorization / on-hold transaction, the amount can be triggered and debited from the end customer’s credit card or bank account via an API call. This API call can also be used to cancel the transaction.

Payment with reference to payment data/transaction with amount 0

Transaction with amount 0: Transactions with amount 0 are used if the end customer is not charged for the first booking, but his data and his payment details should still be checked. As soon as the customer really needs to be charged later, the end customer does not have to enter the payment methods again. Instead, a reference to the transaction with amount 0 in the request is sufficient as a reference to the payment data entered at the time.

Transactions with a real amount: You process a normal transaction with the real amount and then store the TID of the successful transaction in your system. With this option, you can debit additional amounts to your customer at a later point in time without having to re-enter the payment details.

Whenever you later want to carry out a real/further transaction, you can transfer the Novalnet transaction ID (TID) of the first or initial, successful transaction of this end customer without transmitting payment details such as bank details or credit card details.

Payments with reference to payment data or with an amount of 0 are only supported for SEPA direct debit payments, PayPal and credit card payments without 3D Secure.

Transfer of customer numbers

In addition to the name and address of the end customer, you can also transfer your own customer numbers to Novalnet. This gives you the following advantages:

  • For further orders from the same end customer, you can transfer the customer number given for the first transaction instead of the full address
  • You can always identify the end customer, even if customer data changes, e.g. the surname after a marriage
  • Your customer number is displayed in the Novalnet administration portal and in overviews and can also be used to search for specific transactions
  • You can also use this customer number to find failed transactions from your end customers

Reference to customer data/follow-up transaction without customer data

Novalnet offers a convenient way of generating a follow-up transaction for the same customer as part of the first successful transaction. With the customer_no option, the required customer data such as first name, last name, street, house number, zip code, city, country code and email no longer have to be transferred for further transactions, as this data was already transmitted to Novalnet with the first transaction. Instead, you just need to use the original customer_no again.

Change the transaction amount, invoice number, order number, or the due date of a transaction

Novalnet offers various options for changing the transaction data depending on the merchant’s wishes. Be it to extend the due date of a payment on account, to change the invoice number or order number of a transaction or to update the amount collected from the end customer for an on-hold transaction.

Refunds / Cancellations

Refunds to end customers can be carried out both via the administration and via the interface. In any case, the Novalnet system tries to stop the payment itself (cancellation), if this should still be possible (direct debit has not yet been sent to the bank, credit card payment has not yet been finally carried out by the acquirer). Otherwise, an effective refund will be triggered. As the most convenient solution, Novalnet offers a refund using the same payment method that was used to process the original payment (credit card, PayPal, SEPA direct debit, etc.). Of course, Novalnet allows you to reimburse partial amounts or the full amount.

Query of the transaction status

Novalnet offers an automated status query for all transactions via the API

Submission of transactions as a batch file

Novalnet also enables you to submit transactions as batch files (* .CSV) and have them processed as payments (with the exception of any type of online transfer). Please note that with a credit card and PayPal only reference payments or follow-up payments are possible. For data transfer, via SFTP it is necessary that your server access data has been entered in the Novalnet admin portal.

Incoming credit by bank transfer: prepayment/purchase on account/debt collection

All details on incoming bank transfers from end customers, which concern paid orders for prepayment/invoice and collection collections, are transmitted to the retailer in various ways; further details can be found under Accounts Receivable Management.

Payment disruptions: chargeback / return debit

All details on payment disruptions (chargeback, return debit) of an end customer for a previous credit card or direct debit payment are transmitted to the merchant in various ways; further details can be found under Accounts Receivable Management.

Specific IBANs – unique allocation of incoming payments

Who doesn’t know the scenario? The customer has completed the purchase process, would like to transfer the outstanding amount and is looking in vain for an order or invoice number. But no matter, the dealer will already know who paid what – even without the annoying numbers. Novalnet can assign specific IBANs to make this search a thing of the past. Incoming payments can thus be clearly assigned. You will receive order-related or customer-related specific IBANs, with the help of which you can avoid error-prone interpretations of the intended use or incorrect entries by your customers from the outset.

It works very simply:

Novalnet can assign “specific IBANs” for each order or for each end customer or for each of your projects (websites) or for you as a dealer. This specific IBAN is automatically recognized and clearly assigned when payment is received.

The simple and much faster assignment of payments to financial accounting allows almost perfect process management that increases the assignment of payments to up to 100%. A significantly reduced amount of work when assigning all credits is particularly helpful for online retailers. In addition, entrepreneurs benefit from the usual transparent overview of their transactions in the Novalnet dealer administration.

Validation of the VAT number via the VIES database

To validate the VAT number, Novalnet offers an automated check via the VIES database offered by the European Commission when the VAT number is transmitted. The validity of the VAT number validation can be carried out for the following member states:

Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Germany, Denmark, Estonia, Greece, Spain, Finland, France, United Kingdom, Croatia, Hungary, Ireland, Italy, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia

  • Payment Processing
  • Pricing built for your business
  • Instant Payment Plugins
  • Developer Portal

Products

    • Credit Card
    • Instalment payments
    • SEPA-Direct Debit with Payment Guarantee
    • Direct Debit UK (BACS)
    • Pay Cash
    • Prepayment / SEPA Transfer
    • Invoice
    • Invoice with Guarantee
    • PayPal
    • Instant Bank Transfer
    • giropay
    • eps Transfer
    • iDEAL Transfer
    • Post Finance
    • Multibanco
    • Bancontact
    • Apple Pay
    • Cash on Delivery
    • Przelewy24
    • In-App-Payment
    • Pay by Mobile Phone Bill
    • Tokenization
    • Fraud prevention
    • Automated Invoicing
    • Document Management System
    • Receivables Management
    • Membership Management
    • Subscription Management
    • Marketplace Solution
    • Affiliate-System
    • MOTO / Telesales
    • Debt Collection Management
    + show more

    Services

    • Implementation & Maintenance
      • Dealer Administration
      • Test & Productive Operation
      • Project Management
      • Training and Documentation
      • Real-Time Monitoring
      • Evaluation & Reporting
      • Dealer-Support
      • End-customer Support
      • Technical Support
      • More Services
      + show more
      • About Novalnet
      • Clients
      • Careers
      • Licenses
      • Imprint
      • Privacy Policy
      • Cookie Policy
      • Knowledge Center
      • Payment Glossary
      • Ecommerce Glossary
      • Blog
      • News
      • Contact
      pci pci dss software hosted in germany
      • A credit getting swiped in an online bankingHow to Secure Your Payments in 2023
        March 21, 2023
        As e-commerce booms throughout Europe, selling online can be a great way to reach more customers. In 2022, 75% of people in the EU shopped online. [Read more…]
      • Currency exchange, money transfer concept, economy and financial backgroundHow to Use Payment Automation in Cross-border Payments in 2023
        March 20, 2023
        Clarity into payments is highly desirable. Even more so for cross-border payments. Having visibility into what payments are coming in and going out [Read more…]
      • woman upset over payment failure5 Pain Points of E-commerce Payments and How to Address Them in 2023
        March 14, 2023
        Despite making the digital transition, many small and medium businesses (SMEs) struggle when dealing with core payment issues. True, payment [Read more…]

      See all articles

      Have we debited your account?

      If you found a debit in your bank statement and don't know what you have been charged for, click the button below
      Get transaction Info
      Please keep your 17-digit transaction number (TID) ready.

      Hotline: +49 89 9230683-29 (Mon - Fri 9 am - 4 pm (CET))

      pci-ega-shg
      twitter fb xing

      This website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish. Cookie settingsACCEPT
      Privacy & Cookies Policy

      Privacy Overview

      This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience. Learn more about our cookies policy.
      Necessary
      Always Enabled
      Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information. Learn more about necessary cookies.
      Non-necessary
      Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website. Learn more about necessary cookies.
      SAVE & ACCEPT
      wpChatIcon
      ×