The BNPL / invoice payment option is offered in cooperation with our partner Openbank Pay. Your customer has an additional 30 days time to pay for their purchase, whereas you will receive the full amount from Openbank shortly after you have handed out the purchased items.
Onboarding
Please note that in addition to having a payever account (create for free here) you also need a contract with Openbank in order to use this payment method. In case you have not been in contact with Openbank so far, please contact support@payever.de and we will support you throughout the merchant onboarding process.
Terms and conditions
BNPL/ invoice is available for amounts from 50€ to 750€ by default (the maximum amount may vary, it is determined individually by Openbank).
BNPL is only available to customers of legal age with a permanent residence in Germany.
Please note that BNPL can only be offered to private consumers (not suitable for corporate customers).
Please note that the finalisation period is 10 days - this means you must hand out or ship all items in the order within 10 days of the transaction being placed.
Installing the payment option
To install Openbank BNPL, please open the connect app.
Please select Payments on the lefthand side and scroll down all the way to Openbank PoS DE. (Please make sure the payment option has PoS in the title, the ones that don't have PoS only work for online shops).
Click on Install, enter your Openbank API Key and then click the connect button. The field Channel ID is optional, you usually won't need to fill it in.
Enable the checkbox email notifications in case you wish to receive emails when the status of any transaction changes. You can also choose your capture settings here (should payments be activated automatically on approval, or upon you clicking shipping goods as described in the last section of this manual). Last but not least, click on save in order to save the configurations you have made.
Display Settings
You can configure how the payment method is presented to your customers during the checkout process. This includes customizing the display text and logo, defining the countries in which the payment method is available, and setting minimum and maximum transaction amount limits.
These settings allow you to ensure that the payment method is shown only to the appropriate customers and under the desired conditions.
Click here to learn more about how to adjust and manage these display settings.
Submitting a new transaction
To initiate a new loan application, please find the app PoS on the dashboard of your payever account and open it in order to get to the PoS terminal.
There are two different ways to submit a transaction:
Entirely Self-Service via a general QR code that can be printed on marketing materials and placed in your store for customers to just initiate and complete the payment on their own initiative.
Initiation via the PoS terminal, where basic data such as amount or reference are being entered by a staff member and a custom URL for this specific purchase, enriched with the data the staff member entered, is generated. This custom URL can then be transferred to the customer's own smartphone via email or QR, where they enter their personal details and complete the payment.
For the first approach (entirely Self-Service), please go to PoS > Connect and open the QR App (in case it is not installed yet in your account, please first open the connect app, go to section Communication and install the App QR).
Click on the QR code that is being shown with your left mouse button and keep the button pressed as you drag the QR-code onto your start screen (drag and drop to get the QR Code onto your computer as a png file). This is a static QR code that can be used as often as needed, so you can print it out for your customers to scan it with their phones and walk themselves through the checkout process.
For the second approach (initiation via the PoS terminal), open the PoS app and click the Calculator-Icon in the header of the PoS terminal.
Enter an amount and reference number of your choice. This reference will later also be included on any payout files you may receive from Openbank after the payment has been carried out successfully.
Now enter the customers' contact details and address.
Click the button on the upper right corner and choose how you want to transfer the checkout flow to you customer's smartphone (QR, Email, etc.).
On his phone, the customer will run through the following steps:
Verifying a transaction
Afterwards, please go to the transactions app and select the transaction in question.
It will have status in progress for the moment, until you have confirmed it successfully.
To do so, please click Verify and enter the 4-digit code that your customer has received via SMS after submitting his transaction.
Provided the code was correct, status will switch to Accepted afterwards.
Status Accepted means you are guaranteed a payout by Openbank for this transaction, provided you hand out or deliver the items to the customer within the agreed-upon finalisation period and also inform Openbank about that within this time period
In order to notify Openbank you have handed out or shipped the items, please click on shipping goods as shown above.
After you have done that successfully, status will switch to Paid, Openbank will initiate the payout to your bank account, and the customer's 30 day payment period starts.