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+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
      • Why NovalnetOur full service solution at a glance
      • Payment GuaranteeEliminate the risk of non-payment
      • Subscription ManagementFlexible secure recurring payments
      • Seamless CheckoutCustomer-friendly payment process for high acceptance
      • Virtual IBANAutomated credit assignment for invoice and pre-payments
      • Pay-by-LinkThe simplest way to accept payments
      • Virtual TerminalAccept offline payments
      • Phone PaymentsAccept payments using IVR
      • POS / mPOS / TerminalIn-store payments / on-site payments
      • Split payments and revenue shareAutomated Marketplace & Affiliate Management
      • Instant Payment PluginsPlugins for E-commerce, ERP and CRM platforms
      • One-Click Payments / TokenizationUser-friendly online and offline payments via tokenization
    • 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
      • Automated InvoicesCreate and send invoices to your customers
      • Debtor ManagementAutomate your bookkeeping
      • Analytics & ReportsEasy sync for your accounting system
      • Marketplace & AffiliatesGlobal payouts with complex cash flows
      • End-user SupportPayment support for your customers
      • TaxationTurnover and location-based tax automation
      • Technical SupportSupport for implementation and maintenance
      • 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
    • Why Novalnet
    • Management Team
    • Partners
    • Clients
    • Licenses
    • Awards
    • Careers
  • Blog
  • Contact
  • Account

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
  • 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
    • One-Click Payments / Tokenization
    • Fraud prevention
    • Automated invoices
    • Document management
    • Receivables Management
    • Membership and subscriptions
    • Marketplace and affiliates
    • Pay-by-link
    • Debt collection
    + show more

    Services

    • Hassle-free integration
    • Seamless checkout
    • Analytics and reporting
    • Escrow accounts
    • End-user support
    • Taxation
    • Test & Productive Operation
    • Dealer Administration
    • Platform for Success
    • 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
    • family doing online shoppingWhy Every E-Commerce Business Needs to Have a Global Payment Strategy
      August 21, 2023
      E-commerce businesses need to adapt to keep pace in a growing digital economy. They also need to be in sync with the needs and preferences of today’s [Read more…]
    • SaaS, Software as a Service. Internet and networking Technology concept.Embedded Payments and SaaS companies: Removing Friction and Powering Growth
      August 17, 2023
      SaaS businesses are growing rapidly, fuelling the need for smoother payments SaaS is the way to go in future. 80% of businesses plan to use all SaaS [Read more…]
    • Two paper boats made of two different currency notes to represent cross border paymentsWill Instant Cross-border Payments become a reality in Europe?
      August 16, 2023
      Instant cross-border payments is the holy grail of the global payment industry. But in reality, it has been a bit more elusive. Nonetheless, [Read more…]

    See all articles

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

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