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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)


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  • Our Solutions
    • Payment Solutions
      • Full-service Payment Processing150+ payment methods 125+ currencies
      • Online PaymentsAccept payments worldwide
      • Payment to go / for various systemsReady to use payment plugins
      • CheckoutSeamless payment pages
      • Paymentlink / Pay by LinkAccept payments without programming skills
      • Telephone PaymentsAccept payments by phone
      • Virtual Terminal / MOTOOffline payment orders and catalog business
      • POS / mPOS / TerminalIn-Store Payments / On-Site Payments
      • Invoice Generation and DispatchCreate & send invoices to your customers
      • One-Click Payments / TokenizationUser friendly payment processes
      • Subscription ManagingProcess flexible subscriptions
      • Split Payments / Revenue ShareFor marketplaces and affiliates
    • Risk Management & Security
      • Payment Protection with NovalshieldIntelligent fraud prevention / risk management
      • Handling ChargebacksAutomate Chargeback / Returns handling
      • Payment GuaranteeWe take over your risk and pay immediately
      • Dunning & Debt CollectionAutomated claims management
      • Escrow accountsProtection against bankruptcy
      • Monitoring and ControlReal-time Surveillance
      • Membership ManagementBlacklist and Whitelisting
      • Technology & PlatformSaaS with best availability and performance
      • Data centersModern, safe, highly secured in Germany
      • PCI-DSS-CertificationHighest security cevel of protection
      • Alliance for cyber securityUnited against cyber threats
    • Services & Support
      • Marketplaces and affiliate managementOur full service solution
      • Analytics and ReportingExtensive analysis with charts
      • Debtor ManagementAutomation of your book keeping
      • Virtual IBAN / Automated Credit AssignmentPaylate / Invoice Payment & Prepayments
      • Training and SupportExtensive consultation & support
      • Technical SupportImplementation and maintenance
      • Invoice & PayoutsNet. or gross settlements
      • TaxationTurnover and sales tax automation
      • Project management & ConsultingIndividual process implementation
      • Document managementEverything in your own corporate identity
      • Additional ServicesTo optimize your processes
  • 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
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Virtual IBAN / Automated Credit Assignment

Paylate / Invoice Payment & Prepayments

With the “Specific IBAN” service (per transaction/order, per customer, per project), Novalnet offers an intelligent, fully automated process that leads to the clear allocation of incoming funds as well as debits.

Who doesn’t know the scenario? The end customer has completed the purchase process, transferred the open amount, but specified an incorrect or ambiguous reason for payment. To make the tedious manual assignment of incoming payments a thing of the past, Novalnet can assign specific IBANs for each order or even for each end customer.

When payments are received, the customer and their associated order are automatically recognized based on the specific IBAN and clearly assigned to the correct open transaction.

Incorrect interpretations of the purpose of payment or incorrect entries by your customers no longer play a role. The specific IBAN is relevant for the payment methods Invoice and prepayment.

Trust accounts

As a BaFin-approved payment institution, Novalnet maintains trust accounts with its own virtual IBAN account management and over 10 million accounts (rotating annually). All transactions (payments/debits) are processed via the Novalnet trust accounts and paid out from there.

The contract partner only needs the technical connection to Novalnet. In the accounting system of the contractual partner (SAP, Navision, Datev etc.) Novalnet is simply deposited as a bank. Novalnet automatically delivers all transactions in the desired format (XML, iDoc, JSON, MT940, camt.053 camt.054 etc.).

Noticeable relief for the accounting department

The simple and much faster allocation of the payment to the financial accounting department allows for almost perfect process management, which increases the allocation reliability of payments to up to 100%. Particularly helpful for online merchants is the significantly reduced amount of work involved in assigning all credit memos. In addition, entrepreneurs benefit from the usual transparent overview of their transactions in Novalnet’s merchant administration.

  • Payment Processing
  • Pricing built for your business
  • Instant Payment Plugins
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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
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      pci dss
      • A button on the keyboard reads Buy now, pay later, BNPL5 Best Practices to Implement Alternative Payments in 2022
        July 20, 2022
        Want to offer alternative payments, but don’t know where to start? Here’s our checklist to help you out. [Read more…]
      • an old man making card paymentYour 6-Point Payments Strategy to Drive Revenue and Growth
        July 20, 2022
        Small tweaks in your payments can mean big results for your business. Know how to build a solid payment strategy that drives growth and keeps you ahead. [Read more…]
      • 5 Payment Mistakes Every Business Must Avoid
        July 7, 2022
        These common mistakes can kill your conversions and impact buyer experience. Learn how you can avoid them and ensure payment success. [Read more…]

      See all articles

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