Below you can find details on how to use Allianz Trade pay through the Shopware6 shop system. To manage orders, please make sure to read up on Shopware 6 and configure the plugin and payment option first. If you have questions about the process, please reach out to support@payever.de.
Customer Journey - Company Search
When your customers have filled their basket and proceed to the checkout, they are asked to enter their company name in the commercial data page. The company search feature allows your customers to select their company from a drop-down menu. This dropdown menu shows the closest matches out of the Allianz Trade proprietary database, which includes over 83 million businesses from around the world.
After selecting their business, the businesses VAT & address details are pre-filled and a unique identifier is assigned to the buyer in the backend. This prevents unregistered- or illegitimate businesses from purchasing from your business through invoices.
Customer Journey - Pop-up Window
Instead of a dropdown menu, you can also configure a pop-up window to match your buyers in the Allianz Trade pay Database. After the buyer has filled in their information and confirmed their billing data, the pop-up will appear based on the closest matches to the entered company name.
The buyer can then select the company or proceed without being matched in the database. Please note, that this pop-up does not show up when there is an exact match in the shipping address, or when the shipping address differs from the billing address.
If the user selects a company, a second pop-up will open up that asks the user to confirm the change in billing address:
Customer Journey - Billing step
If all business requirements are met, Allianz Trade pay will be displayed among the available payment options:
- NET Order Value matches contractual agreement (default between 250€ & 35,000)
- The billing address has an exact match in the Allianz Trade database
- Billing address and shipping address are identical
Should the buyer make any changes in the final step of the checkout so that a conflict arises with one of the business requirements, the payment option will automatically be hidden.
Customer Journey - Order Confirmation & Risk Decision
After confirming the order and payment option, the request is routed to Allianz Trade for a risk decision. If the risk decision is negative, the buyer will receive a decline message and the payment option will be hidden for the remainder of the browser session. Please note that until the buyer selects and confirms a different payment option, the order will be marked as cancelled in your backend.
If the quote request is accepted and the risk decision is positive, the user will be redirected to your success page and the order is created with a success status AUTHORISED in your backend. You may then proceed to process the order as usual, please refer to the order management process to identify what actions must be reported to Allianz Trade for a proper invoice coverage.
Order Management - Activating the insurance cover (Capture)
After Allianz Trade has quoted an order, the payment status will be marked AUTHORISED. At this point, the fulfilment can be prepared. Once the goods are ready to be shipped, the insurance cover for the order can be activated - this is called the capture.
You can capture the order in Shopware 6, by clicking the 'shipping goods' button, in the payever checkout tap of the order details. When doing so, Allianz will run another creditworthiness assessment in their internal database. If that results positive, the order will receive the shipment status Shipped. Please be sure to capture and validate the correct shipment status before you fulfil the order.
Cancellations and (Partial) Refunds
You can easily cancel and refund orders directly from the payever checkout tab in the order details. Cancelling the order will mark the status CANCELLED. After the goods are shipped and the order is captured, the refund button also becomes available and can be triggered in the same section of the order details. Full refunds will also trigger the payment status CANCELLED.
For partial refunds, you can enter the value of the refunded goods in the refund amount field. The insurance cover will automatically be adjusted to the new order value. Partial refunds trigger the payment status REFUNDED.
Partial Payments & Settlements
Once the payment for the invoice is registered, the order must be settled by clicking the 'Settle' Button. This will notify Allianz Trade that the invoice has been paid.
You can also register partial payments, by entering the value in the field and confirming with the 'invoice'-button. This will notify Allianz that the covered amount is being reduced, payment defaults will therefore only be covered for the remaining outstanding dept.
Manually Filing a Claim
If the invoice is not settled after the due date has passed, you can file a claim. Per default, this will be automatically done by the integration, but is also manually possible (e.g. if the buyer confirms bankruptcy to you before the invoice's due date.
The claim feature is available after capture in the order overview in Shopware 6 with an automatically generated invoice for the order in question. Before confirming the claim, you may add additional information such as:
- Whether you have reason to believe the buyer has filed for bankruptcy
- Whether you are in an ongoing dispute with the buyer regarding the invoice's settlement
You can file a claim and will be contacted by Allianz Trade. Please note that after filing a claim, you are still obliged to settle the order in Shopware 6 if the buyer fulfils the late payment, or once Allianz Trade pays out the order value.