This guide covers the creation and management of payment traffic agreements with different banks in Netvisor. The guide presents supported banks, provides detailed instructions for filling out agreements, and explains bank-specific features.

To enable Netvisor to automatically transmit bank material between Netvisor and banks, create a payment traffic agreement with all banks whose accounts you link to Netvisor. Submit the completed payment traffic agreements to the company's own bank branch, not to Visma Solutions Oy.

Some banks use an electronic payment traffic agreement form, which is filled out on the bank's website or through links found at the end of this guide. Danske Bank also accepts payment traffic agreements electronically signed via Visma Sign. The bank connection is automatically activated between Netvisor and the bank when the bank has updated the services and settings according to the payment traffic agreement in their own systems.

Contents

Supported banks in Netvisor

  • Nordea Bank
  • Savings Banks (includes Oma Savings Bank)
  • Cooperative Banks and OKO
  • Ålandsbanken – Currency payments must be manually acknowledged from the bank statement. A new accounts payable payment guide through the bank statement can be found here. Travel expense reports must be manually acknowledged from the bank statement.
  • Danske Bank Oyj
  • POP Bank
  • DnB NOR Bank ASA (Den Norske Bank) – cannot provide LMP feedback for foreign payments, so these invoices must be handled manually. A new accounts payable payment guide through the bank statement can be found here.
  • Aktia Bank
  • Holvi starting from 11.6.2024

Quickly obtaining connections and material in Netvisor requires the following actions:

  1. Ensure that the information for all bank accounts is entered into Netvisor. You can open the view by selecting Company name (top left corner) > Company basic data and settings > Bank accounts.
  2. Create payment traffic agreements with all banks whose accounts are linked to Netvisor.

Note the following when setting up bank accounts and agreements:

  • Establish the bank account in Netvisor before the payment traffic agreement is in effect. Otherwise, it is possible that not all material set for retrieval will be received in Netvisor.
  • The service is activated when the bank has updated the agreements in their own systems. Netvisor cannot expedite the activation of the agreement.
  • If the bank creates an unusual service/payment ID (by default: 0 + the company's Business id without a hyphen), update the payment ID in the bank account information added to Netvisor.

You can open the view by selecting Company menu > Bank accounts > open the bank account in edit mode. If the correct payment ID is not found in the Payment ID menu, please contact customer service: tuki.netvisor@visma.com.

Note the e-invoicing settings:

  • Sending business e-invoices is automatically enabled in Netvisor for each customer company, and no company-specific agreement is needed.
  • Sending consumer e-invoices must be agreed upon separately with a payment traffic agreement.

Note exchange rates and changes to the agreement:

  • Do not add separate terms regarding the retrieval of exchange rates to the payment traffic agreement.
  • The exchange rate is the ECB's rate from the previous day, and it is automatically retrieved into Netvisor.
  • If you want to make changes to the payment traffic agreement, report the changes to the bank.

Filling out the payment traffic agreement

The payment traffic agreement covers the following matters:

Arrival of account statements

Make the selections regarding the arrival of account statements as follows:

  • Select the payment traffic agreement section batch transfer account statement, electronic account statement or machine-readable account statement.
  • Determine how often the account statement arrives from the bank to Netvisor. Choose the delivery interval from:
    • daily
    • weekly
    • monthly (or another interval offered by the bank between one day and one month).
  • Ensure that the account statement is in KTO or TITO format. Account statements are not read into Netvisor in xml format.
  • If there are many transactions per day on the bank account, choose a daily account statement, in which case the account statement arrives every banking day.
  • Note that the following are automatically processed based on the account statement:
    • payments for sales invoices (if machine-readable reference payment material is used)
    • payments for purchase invoices
    • salaries and travel expense reports
  • Note that the arrival frequency of account statements affects when payments are acknowledged. If you want purchase invoices and bank transfers paid through Netvisor to be acknowledged as real-time as possible, select a daily account statement.

Machine-readable reference payments

Define machine-readable reference payments as follows:

  • Select the payment traffic agreement section incoming reference payments.
  • Ensure that incoming reference payments (machine-readable reference payments) come to Netvisor in KTL/SVM format.
  • Incoming reference payments mean that machine-readable reference payment material is obtained from the bank to Netvisor.
  • Use incoming reference payments so that sales invoices are automatically acknowledged when the customer pays the invoice with the correct reference and amount.
  • If the company uses accounts receivable, it is advisable to include machine-readable references in the payment traffic agreement. If accounts receivable is not used, incoming reference payments are not needed.

Outgoing payments

Define outgoing payments as follows:

  • Select the payment traffic agreement section outgoing payments, sending material in xml format.
  • This enables the payment of invoices and bank transfers from Netvisor to the bank.
  • Agree on the cancellation of payments for Nordea and Osuuspankki accounts in the payment traffic agreement so that payments can be canceled electronically through Netvisor.
  • Note that the payment traffic agreement may specify:
    • euro
    • currency
    • salaries
  • Select the services as follows:
    • If you want to pay purchase invoices and bank transfers through Netvisor, select payments.
    • If you want to pay currency-denominated purchase invoices through Netvisor, select currency payments.
    • If you want to pay salaries as repetitive payments through Netvisor, select salaries.

Payment feedback, feedback on payments

Define payment feedback as follows:

  • Note that with payment feedback, payments made through Netvisor are automatically processed from the account statement.
  • Order payment feedback so that payments can be processed as automatically as possible.
  • Ensure that payment feedback arrives in Netvisor in pain.002.001.02 format.

Receiving e-invoices

Define receiving e-invoices as follows:

  • Select the payment traffic agreement section receiving e-invoices to IBAN address if you want to receive e-invoices in Netvisor using the bank's e-invoicing address.
  • Note that this is not necessary because a Maventa connection is opened for all companies using accounts receivable for sending and receiving e-invoices.

Sending consumer e-invoices

Define sending consumer e-invoices as follows:

  • Select sending consumer e-invoices in the payment traffic agreement if you want to send consumer e-invoices (e-invoice, direct payment invoice).
  • Note the following in Osuuspankki's payment traffic agreement:
    • The e-invoice reception section refers to e-invoices received through the bank network.
    • The e-invoice e-invoicing address section can be left blank. The OVT code will automatically be filled in if it is available.

Balance inquiry

Define balance inquiry as follows:

  • Use balance inquiry if you want to manually update the bank account balance through the Bank accounts widget on the Netvisor homepage.
  • Note that without balance inquiry, the bank account balance is always automatically updated to the closing balance reported on the latest received account statement.
  • Select balance inquiry in the payment traffic agreement and ensure the file formats:
    • Danske Bank: ACR
    • Nordea: Camt.052

Other notes

Note the following bank-specific and general matters in payment traffic agreements:

  • Nordea's agreement sections "Liability and collateral specification from batch transfer" and "E-balance certificate from batch transfer" cannot be obtained in Netvisor.
  • Fill in Nordea's agreement with the old intermediary information only if the company wants to terminate an existing agreement at the same time. Otherwise, the section can be left blank.
  • Note the following regarding Nordea's new digital power of attorney:
    • You cannot directly select currency payments. Ask the bank to add currency payments to the agreement afterward.
    • This specifically applies to payments outside the SEPA area.
    • You can make agreements for multiple bank accounts for the same company on the same form.
  • Visma Solutions Oy's signature is not required for payment traffic agreements. You can submit the agreement to the bank without Visma Solutions Oy's signature.
  • In Osuuspankki's agreement, "Batch debit in use" means that the debit batch is debited as a single batch, and if there is insufficient coverage, the entire batch is rejected. If batch debit is not in use, each payment is debited individually from the account.
  • Select "Detailed debited payments on the account statement" in Osuuspankki's agreement so that each payment is detailed under the batch debit on the account statement.
  • Note that the agreement cannot be made for a personal bank account, only for a company account.
  • Note the following regarding S-Bank:
    • S-Bank no longer opens new small business or association accounts.
    • If you want to use S-Bank, first check with the bank whether they will open payment traffic services for the desired company.
    • S-Bank's Webservice channel number for Netvisor is 1967543-8.
    • The bank does not have its own payment traffic agreement template.
    • Retrieving balance and transaction statements is not supported in Netvisor.

Changing banks

If the company's bank changes, proceed as follows:

  1. Make a payment traffic agreement with the new bank for the desired services.
  2. Add a new bank account to Netvisor. You can open the view by selecting Company menu > Bank account management > New bank account.

If the company sends consumer e-invoices and direct payment invoices, proceed as follows:

  • Make the change notification for the billing notification while the old bank account and payment traffic agreement are still valid.
  • Note that if the account is no longer valid, the change message cannot be sent, and billing notifications with incorrect information will remain in online banks.

Bank-specific notes in payment traffic agreements

Danske Bank's payment traffic agreement form template

https://www.vismasignforms.com/form/5699c163-4654-450f-9851-64c90fe93633 Information about the form's signature is sent directly to yrityspalvelut@danskebank.fi.

Use Danske Bank's form template as follows:

  • Use the form's Sign button, which directs to strong authentication.
  • Select the authentication method and authenticate.
  • Note that after authentication, the signed form is sent:
    • to the email address provided on the form in the "email" (Signatory) section
    • to the bank.
  • Note that the signatory's information is formed from the authenticator's details.

If an accounting office wants to fill out Danske Bank's form for the customer in advance, proceed as follows:

  • Use the form template at the end of this guide.
  • Note that electronic forms cannot be precompleted; their completion and signing proceed by one person.

Send the form template at the end of the guide to Danske Bank as follows:

  • By post to:
    Danske Bank A/S, Finnish Branch, Customer Care/Cash Management Support, Finland, P.O. Box 1274, FI-00075 DANSKE BANK
  • or by email to yrityspalvelut@danskebank.fi,

Note that if you send the form by email:

  • Danske Bank will send a separate agreement for approval by the bank.
  • The agreement must be approved before it takes effect.

Filling out Nordea's payment traffic agreement

Fill out Nordea's payment traffic agreement from 1.4.2021 onwards as follows:

  • Use the digital power of attorney found on Nordea's website.
  • Send the digital payment traffic power of attorney without authentication or representation rights in the authorizing company. For example, an accountant can initiate the process by sending the power of attorney directly from Nordea's website.

The power of attorney can be found at: https://www.nordea.fi/yritysasiakkaat/palvelumme/verkko-mobiilipalvelut/valtakirja.html and under Digital power of attorney for opening and changing payment traffic services at Nordea.

Note the following for associations, foundations and housing companies:

  • Fill out the payment traffic agreement according to the old template.
  • You can find the instructions on the Payment traffic power of attorney page.
  • Note that only euro accounts of the company can be marked on the digital power of attorney.
  • For opening and changing services related to currency accounts, please contact the bank.

Fill in the authorized intermediary's details as follows:

  • Authorized intermediary's name: Visma Solutions
  • Business id: 1967543-8
  • Contact person: Netvisor customer service
  • Phone number: 010 5058 490
  • Email address: tuki.netvisor@visma.com
  • Material transmission channel: Web Services
  • In Netvisor, the agreement number is 32762403 (8 characters long)

Use the services between Nordea and Netvisor as follows:

  • Select the Company's payments service if you want to pay purchase invoices and salaries to the bank.
  • Additionally select the salaries section if you want to transmit payroll material.
  • Select all options in the Feedback section so that you receive payment feedback comprehensively.

Define the machine-readable account statement as follows:

  • Select Machine-readable account statement so that the account statement arrives from the bank to Netvisor.
  • Ensure that the format is TITO.
  • Select in the scheduling section how often the account statement arrives (daily – once a month).

Define incoming reference payments as follows:

  • Select Incoming reference payments so that payments are directly matched to the correct sales invoice when the customer has paid with the correct reference.
  • Note that a separate breakdown of these references also appears on the account statement.
  • Ensure that the format is KTL.

Use balance inquiry in Nordea as follows:

  • Use balance inquiry if you want to retrieve the selected bank account balance in real time.
  • Note that otherwise the balance comes from the closing balance of the previous received account statement.

Note the following regarding receiving e-invoices:

  • You can enable receiving e-invoices through Nordea.
  • By default, a Maventa connection is opened in Netvisor, where you can select the reception and sending of purchase invoices.
  • Sending e-invoices always takes place through Maventa, even if you also select e-invoice sending from Nordea.

Note that Netvisor does not support Nordea's selection "financial statements material in batch transfer", which includes liabilities, collateral and balance certificate.

Process progression:

  1. Nordea processes the power of attorney within five banking days.
  2. Nordea sends the service agreement and power of attorney digitally for signing to the Nordea's Company documents service.
    1. Log in to the service as a person with signing rights registered in the Trade Register of the authorizing company through Nordea's website.
    2. If the signing right is shared by multiple people, each must sign separately according to the signing method.
    3. The customer receives a text message when the power of attorney is available for signing in Nordea's document service.
  3. Once the agreement and power of attorney are digitally signed, Nordea processes the opening and changes of agreements within five banking days.
  4. When the services are in use, the bank sends a text message notification to the phone number of the contact person of the authorizing company listed on the power of attorney.
  5. If the power of attorney is not received, contact:
    • the company's own contact person at Nordea or
    • the corporate payment traffic service, tel. 0200 2121, and inquire about the situation.

Filling out Osuuspankki's payment traffic agreement

Fill out Osuuspankki's agreement in the future as follows:

  • Open Osuuspankki's website: Company's electronic services - bank connection authorization.
  • Make an electronic bank connection authorization by authenticating with OP's or other Finnish banks' online service credentials.
  • Note that, for example, an accountant or employee can make the authorization on behalf of the company, as company representation rights are not required for making the authorization.
  • Ensure that the company's or association's authorized signatory signs the authorization.
  • Note that the signatory will receive a notification by email when the authorization is ready for signing.
  • OP processes the power of attorney within a week of signing.

You can also use the bank connection form, which can be found precompleted at the end of this page. Osuuspankki still accepts this form.

Select Visma Solutions Oy (Netvisor) as the material handler in Osuuspankki's agreement as follows:

  • Material handler's name: Visma Solutions Oy
  • Material handler's transaction list ID: 019675438
  • Additionally select the necessary services to be implemented (account statement, outgoing payments, reference payments, etc.).

Report the following Web Services user ID for Netvisor payment traffic to Osuuspankki:

  • Osuuspankki's Web Services user ID for Netvisor: 1000047062

Define Osuuspankki's services as follows:

  • Account statement (KTO)
    • Select how often the account statement arrives.
    • Note that Osuuspankki does not generate account statements if there have been no transactions during the account statement period.
  • Outgoing payments
    • Relates to the payment of purchase invoices and bank transfers.
    • Use the Payment bundling feature:
      • In the SEPA area, payments sent at the same time and with the same due date are combined into the same payment material.
      • Payments outside the SEPA area are bundled if the payments are made in the same payment batch during the day and the vendor is the same.
      • In this case, all payments to the same vendor are made at once according to the earliest due date.
    • Select Detailed account statement so that purchase invoices, tax transfers and bank transfers are acknowledged as paid.
  • Incoming reference payments
    • Acknowledge reference-based sales invoices as paid.
    • Note that reference payments can arrive at different intervals than the account statement.

Filling out Aktia's payment traffic agreement

Make Aktia's payment traffic agreement in the future as follows:

The following information is required to fill out the payment traffic agreement:

  • The authorizing company's Business id and account number.
  • From the accounting office or property manager:
    • Business id
    • Web Services agreement number
    • contact information (phone number and email address)
  • From the authorized signatory:
    • personal identity code
    • contact information (home address, phone number and email address)
    • if the company's signing rights are shared, the information of both authorized signatories.

Fill in the authorized intermediary's details in the section for Visma Solution's information:

  • The official or registered name of the company or organization: Visma Solutions Oy
  • Business id: 1967543-8
  • Web Services or corporate online banking user ID: 06212831
  • The company's contact person's information can be filled in the contact details.

Ensure that the Web Services or corporate online banking user ID is 06212831.

In the next step, select the services you want to implement:

  • Use the selections shown in the image below so that the services are transmitted in the correct format to Netvisor.
  • Define the interval according to how often you want to retrieve reference payments and account statements.

Filling out OmaSP's payment traffic agreement

Make OmaSP's payment traffic agreement electronically in the future as follows:

Note the following technical information in OmaSP's agreement:

  • WS channel number: 05900378
  • Account statement material format: KTO/TITO
  • Reference payment material format: KTL/SVM
  • Payment details:
    • Choose Batch transfer account statement if you want the details of outgoing payments on the account statement.
    • Choose Batch transfer and paper/online account statement if you want the details to also appear on the account statement in the company's online bank.
  • Account authorization for the WS channel:
    • Choose "Yes" so that real-time balance inquiry is possible.
  • Balance certificate:
    • Choose "No", because the balance certificate is not supported in Netvisor.
  • Material handler information:
    • Understand that the material handler refers to the software provider used by the authorizer, i.e. Visma Solutions Oy.

In OmaSP's payment traffic agreement, choose the details of outgoing payments as follows:

  • Choose "Batch transfer account statement" if you want:
    • the details of outgoing payments to appear on the account statement in Netvisor
    • purchase invoices paid through Netvisor to be automatically acknowledged as paid upon receipt of the account statement.
  • Choose "No details" if you do not need details.
  • Note that payment details cannot be read into Netvisor from the xml payment list.

Savings Bank

Make the Savings Bank payment traffic agreement as follows:

  • Download the payment traffic agreement at the end of this page: Payment traffic agreement Savings Bank.
  • Fill out the form.
  • Submit the form to the customer's branch.
  • Report the Web Service customer number: 07808991.

DnB Bank (Den Norske Bank)

Note the following regarding DnB:

  • DnB is a supported bank in Netvisor only for Finnish bank accounts.
  • The bank does not have a separate payment traffic agreement template.

Use the following information for the agreement:

  • Webservice channel ID: 19675438
  • DnB Bank's contact information:

Holvi

Enable Holvi starting from 11.6.2024 as follows:

  • Open Holvi's instructions: Bank connections.
  • Follow Holvi's instructions to implement the service.

Use the following functions through Holvi:

  • Pay purchase invoices and receive payment feedback, which automatically acknowledges transactions.
  • Receive account statements from the bank in KTO format.
  • Receive machine-readable references in KTL format.
  • Pay salaries (SALA repetitive payment material).
  • Pay euro-denominated SWIFT payments (euro-denominated payments outside the SEPA area).
  • Receive currency payments to your euro account (supported currencies: https://support.holvi.com/hc/fi/articles/14771808195858-Service-Description-International-transfers).

Note that Holvi currently does not support:

  • ERI payments (exporting credit notes for payment).
  • Balance inquiry.
  • Electronic payment cancellation.
  • Payment of tax transfers with TAXS code:
    • In this case, create a regular bank transfer.
    • Note that tax transfers and employer obligation bank transfers are not automatically acknowledged as paid, but remain in Payment service status.

Log in to Holvi's service at https://login.app.holvi.com/.

If you need support, use Holvi's customer support: https://support.holvi.com/hc/fi/articles/115005238365.

Note the following when using Holvi and Netvisor:

  • Carry out sales and purchase invoicing in Netvisor.
  • Add Holvi's account as the company's bank account in Netvisor.
  • Pay purchase invoices, salaries and bank transfers through Holvi's account.
  • Receive an account statement from Holvi to Netvisor:
    • daily
    • weekly
    • or once a month.
  • Note that Holvi sends an account statement even if there have been no transactions on the account.

Watch a video on opening a bank connection between Netvisor and Holvi: link to the video.

Pre-filled bank payment traffic agreements

Frequently asked questions

Should the payment traffic agreement be submitted to Visma Solutions Oy?
No. Payment traffic agreements must be submitted completed to the company's own bank branch. Do not send agreements to Visma Solutions Oy.

How quickly is the bank connection activated?
The bank connection is automatically activated between Netvisor and the bank when the bank has updated the services and settings according to the payment traffic agreement in their own systems. Netvisor cannot expedite the activation of the agreement.

What happens if the bank account is not established in Netvisor before the agreement takes effect?
If the bank account is not established in Netvisor before the payment traffic agreement is in effect, it is possible that not all material set for retrieval will be received in Netvisor.

Do I need to separately agree on retrieving exchange rates?
No need. There is no need to agree separately on retrieving exchange rates in the payment traffic agreement. Netvisor automatically retrieves the ECB's exchange rate from the previous day.

Can I make a payment traffic agreement for a personal account?
No, you cannot. The payment traffic agreement can only be made for a company account, not for a personal bank account.

Is a separate agreement required for sending business e-invoices?
No. Sending business e-invoices is automatically enabled in Netvisor for each customer company, and no company-specific agreement is needed.

How do I enable sending consumer e-invoices?
Select sending consumer e-invoices (e-invoice, direct payment invoice) in the payment traffic agreement. Pay particular attention in Osuuspankki's agreement to the e-invoice reception section and the e-invoicing address field.

What should I do when the company's bank changes?
Make a payment traffic agreement with the new bank for the desired services and add a new bank account to Netvisor by selecting Company menu > Bank account management > New bank account. If you send consumer e-invoices or direct payment invoices, make the change notification for the billing notification while the old account and agreement are still valid.

How do I ensure that purchase invoices paid through Netvisor are automatically acknowledged?
Ensure that:

  • account statements arrive in Netvisor (e.g. daily account statement in KTO/TITO format)
  • the details of outgoing payments are selected on the account statement (e.g. in Osuuspankki and OmaSP on the batch transfer account statement)
  • payment feedback (pain.002.001.02) has been ordered.

What should I do if currency payments cannot be selected with Nordea's digital power of attorney?
Fill out the digital power of attorney for euro accounts and enable currency payments afterward by contacting Nordea. This applies to payments outside the SEPA area.

Can I use Holvi with Netvisor?
Yes. Add Holvi's account as a bank account in Netvisor and use it to pay purchase invoices, salaries and bank transfers. You can receive an account statement (KTO), machine-readable references (KTL) and payment feedback from Holvi. Note that Holvi does not support ERI payments, balance inquiry, electronic payment cancellation or payment of tax transfers with TAXS code.

Keywords: payment traffic agreement, Netvisor, bank connections, bank transfer, e-invoicing, bank statement, authorisation, bank authorisation

This article has been translated using an AI-based translation tool. The contents or wording of these instructions may differ from those in other instructions or in the software.


Did you find it helpful? Yes No

Send feedback
Sorry we couldn't be helpful. Help us improve this article with your feedback.