This guide covers how to create and manage payment traffic agreements with different banks in Netvisor. The guide includes supported banks, instructions for filling out the payment traffic agreement, and bank-specific notes.

CONTENTS

To enable Netvisor to automatically transmit bank data between Netvisor and banks, a payment traffic agreement is required with all banks whose accounts are linked to Netvisor. Payment traffic agreements must be submitted completed 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 electronically signed payment traffic agreements via Visma Sign. NOTE! 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.

Supported banks in Netvisor

Nordea Bank
Handelsbanken
Savings Banks (includes Oma Savings Bank)
Cooperative Banks and OKO
Ålandsbanken - Currency payments must be manually reconciled from the account statement. A new accounts receivable payment guide through the account statement can be found here.
Danske Bank Oyj
POP Bank
DnB NOR Bank ASA (Den Norske Bank) - cannot provide LMP feedback for foreign payments, so these invoices must be processed manually. A new accounts receivable payment guide through the account statement can be found here
Aktia Bank
Holvi starting from 11.6.2024

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

Ensure that the information for all bank accounts is entered into Netvisor. Enter the information at: Company name (top left corner) > Company basic information and settings > Bank accounts
Create payment traffic agreements with all banks whose accounts are linked to Netvisor.

If a bank account is not established in the system before the payment traffic agreement is in effect, it is possible that not all data set for retrieval will be received in Netvisor.

The service is activated when the bank has updated the agreements in their own systems. In practice, the service can be used within 1-2 days. If the bank creates an unusual service/payment ID (by default, it is 0 + the company's business ID without a hyphen), the payment ID must be updated in the bank account information added to Netvisor in the 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 at [email protected].

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

There is no need to worry about retrieving exchange rates in your payment traffic agreement. The exchange rate is the ECB's rate from the previous day, and it is automatically retrieved into the system.

If changes are desired in the payment traffic agreement, they should be reported to the bank.

Filling out the payment traffic agreement

The payment traffic agreement covers the following matters:

Arrival of account statements

Payment traffic agreement section batch transfer account statement, electronic account statement, machine-readable account statement
How often the account statement arrives from the bank to Netvisor. The delivery interval for account statements can be chosen between one day and one month.
The account statement must be 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, it is advisable to choose a daily account statement for the company. In this case, the account statement arrives every banking day.
Automatically processed based on the account statement:
- Payments for sales invoices
- Payments for purchase invoices
- Salaries and travel expenses
The arrival of account statements affects the reconciliation of payments. To ensure that payments are reconciled as real-time as possible for purchase invoices/transfers paid through Netvisor, we recommend a daily account statement.

Machine-readable reference payments

Payment traffic agreement section incoming reference payments
Incoming reference payments, i.e., machine-readable reference payments, must come to Netvisor in KTL/SVM format.
Incoming reference payments mean that machine-readable reference payment data is obtained from the bank to Netvisor
This allows sales invoices to be automatically reconciled if the customer pays them with the invoice reference and the correct amount
If the company uses accounts receivable, it is also 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

Payment traffic agreement section outgoing payments, sending data in xml format
Enables the payment of invoices and transfers from Netvisor
In the payment traffic agreement, it is possible to agree on the cancellation of payments for Nordea and Osuuspankki accounts. It is advisable to agree on cancellation so that payments can be canceled electronically through Netvisor.
The payment traffic agreement may specify euro, currency, and salaries. If you want to pay purchase invoices and transfers through Netvisor, check the box for payments. If you want to pay currency-denominated purchase invoices through Netvisor, check the box for currency payments. If you want to pay salaries as recurring payments through Netvisor, check the box for salaries.

Payment feedback, feedback on payments

With payment feedback, payments made through Netvisor are automatically processed from the account statement.
It is recommended to order payment feedback so that payments can be processed as automatically as possible.

Receiving e-invoices

Payment traffic agreement section receiving e-invoices to IBAN address
Enables the reception of e-invoices with the bank's e-invoicing address in Netvisor
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

Enables the sending of consumer e-invoices (e-invoice, direct payment invoice), so choose if you want to send them
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. This

Balance inquiry

Enables manual updating of the bank account balance through the Bank Accounts widget on the Netvisor homepage
Otherwise, the bank account balance is always automatically updated to the ending balance reported on the latest received account statement
In the payment traffic agreement, balance inquiry or balance and transaction statement
Danske Bank's file format for balance inquiry is ACR.
For Nordea, the format is Camt.052

Other notes

The "Liability and collateral specification from batch transfer" and "E-balance certificate from batch transfer" in Nordea's agreement cannot be obtained in Netvisor
In Nordea's agreement, the old intermediary information is filled in if the company wants to terminate an existing agreement at the same time. Otherwise, the section can be left blank.
With Nordea's new digital power of attorney, it is no longer possible to directly select currency payments, but these must be added to the agreement afterward by contacting the bank directly. This specifically applies to payments outside the SEPA area.
With Nordea's new digital power of attorney, it is possible to 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. The agreement can be submitted 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.
In Osuuspankki's agreement, "Detailed debited payments on the account statement" is recommended to be selected so that each payment is detailed under the batch debit on the account statement.
The agreement cannot be made for a personal bank account, only for a company account.
S-Bank no longer opens new small business or association accounts, so if you want to use S-Bank, you must first check with the bank whether they will open payment traffic services for the desired company. S-Bank's web service channel number for Netvisor is 1967543-8. The bank does not have its own payment traffic agreement template.

Changing banks

If the company's bank changes, a payment traffic agreement must be made with the new bank for the desired services, and a new bank account must be added to Netvisor (Company menu > Bank account management > New bank account). If the company sends consumer e-invoices and direct payment invoices, the change notification for the billing notification must be made while the old bank account and payment traffic agreement are still valid. 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 [email protected].

The Sign button on Danske Bank's form template directs to strong authentication, where you can choose the authentication method. After authentication, the signed form is sent to the email provided on the form in the "email" section (Authorizer) and to the bank. The signer's information is formed from the authenticator's details.

If an accounting firm wants to fill out Danske Bank's form for the customer in advance, they should use the form template at the end of this guide. Electronic forms cannot be pre-filled; their completion and signing proceed by one person. The form template at the end of the guide should be sent to Danske Bank at Danske Bank A/S, Finnish Branch, Customer Care/Cash Management Support, Finland, P.O. Box 1274, FI-00075 DANSKE BANK. The form can also be sent to [email protected], but in this case, Danske Bank will still send the agreement separately for approval by the bank, and it must be done before the agreement takes effect.

Filling out Nordea's payment traffic agreement

Starting from 1.4.2021, Nordea's payment traffic agreement must be filled out using the digital power of attorney found on Nordea's website.

Sending the digital payment traffic power of attorney does not require authentication or representation rights in the authorizing company. Therefore, 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.

Please note that for associations, foundations, or housing companies, the payment traffic agreement is still filled out according to the old template, instructions for which can be found on the Payment Traffic Power of Attorney page. Note! 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 us.

Fill in Visma Solutions Oy in the section for the authorized intermediary's name. The image below contains all the correct information for the authorized intermediary.

Authorized intermediary's name: Visma Solutions
Business ID: 1967543-8
Contact person: Netvisor customer service
Phone number: 010 5058 490
Email address: [email protected]
Data transmission channel: Web Services
In Netvisor, the agreement number is 32762403, which is 8 characters long.

Process progression:

Nordea processes the power of attorney within five banking days.
The service agreement and power of attorney are sent digitally for signing to Nordea's Company Documents service.
1. The service can be accessed by 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.
Once the agreement and power of attorney are digitally signed, Nordea processes the opening and changes of agreements within five banking days from this point.
When the services are in use, the bank sends a separate text message notification to the phone number of the contact person of the authorizing company listed on the power of attorney.
If the power of attorney is not received, the customer can call their contact person or the corporate payment traffic service at 0200 2121 to inquire about the situation.

Filling out Osuuspankki's payment traffic agreement

In the future, Osuuspankki's agreement can be filled out directly from their website at: Company's electronic services - bank connection authorization

However, Osuuspankki still accepts the bank connection form, which can be found pre-filled at the end of this page. Making an electronic bank connection authorization requires authentication, and you can authenticate with OP's or other Finnish banks' online service credentials. 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. The company's or association's authorized signatory must sign the authorization. The signatory will receive a notification by email when it is ready for signing. OP processes the power of attorney within a week of signing.

In the agreement, Visma Solutions Oy (Netvisor) is selected as the data handler. The data handler's transaction list ID is 019675438. Additionally, the necessary services to be implemented are selected.

Filling out Aktia's payment traffic agreement

In the future, Aktia's payment traffic agreement can be filled out directly from their website at: https://www.aktia.fi/fi/yritysasiakkaat/oma-yritysasiakkuus and under the heading "Bank connection authorization". Aktia still accepts their own bank connection form, which can be found pre-filled at the end of this page. The following information is required to fill out the payment traffic agreement:

The authorizing company's business ID and account number
From the accounting firm or property manager, the following information: business ID, Web Services agreement number, and contact information (phone number and email address)
From the authorized signatory, the following information: personal ID and contact information (home address, phone number, and email address). If the company's signing rights are shared, the information of both authorized signatories is required.

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

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

Web Services or corporate online banking user ID: 06212831

In the next step, select the services you want to implement. The image below shows the selections that should be made for these services to be transmitted in the correct format to Netvisor. You must decide on the interval for how regularly you want to retrieve reference payments and account statements.

Filling out OmaSP's payment traffic agreement

OmaSP's payment traffic agreement can now also be handled electronically. The authorization can be found on this page: https://www.omasp.fi/lomakkeet (at the bottom under the heading "Bank connection authorization").

The account statement data format is KTO/TITO
The reference payment data format is KTL/SVM
For payment details, it is advisable to choose Batch transfer account statement. If you want the details of outgoing payments to also appear on the account statement visible in the company's online bank, choose "Batch transfer and paper/online account statement"
Account authorization for the WS channel (enables real-time balance and transaction inquiry) is recommended to be "Yes"
The balance certificate is not supported in Netvisor, so you can choose "No".
In the Data handler information field, the data handler refers to the software provider used by the authorizer, i.e., Visma Solutions Oy.

In OmaSp's payment traffic agreement, the details of outgoing payments should be chosen based on how you want the payment information to appear where

If you want the details of outgoing payments to appear on the account statement in Netvisor and for purchase invoices paid through Netvisor to be automatically reconciled as paid upon receipt of the account statement, choose "Batch transfer account statement"
If no details are needed, choose "No details"
Payment details cannot be read into Netvisor from the xml payment list

Savings Bank
For Savings Bank, fill out the payment traffic agreement at the end of this page. You can find the form at the link Payment Traffic Agreement Savings Bank. The form is submitted to the customer's branch. The Web Service customer number is 05900378

DnB Bank (Den Norske Bank)

DnB is a supported bank in Netvisor only for Finnish bank accounts. This bank does not have a separate payment traffic agreement template, but below is information for the agreement.

Webservice channel ID is 19675438
DnB Bank's contact information:
CM Services Finland Branch
Phone +358 10 548 2100
E-mail: [email protected]

Holvi

Holvi can be used starting from 11.6.2024. Instructions for using the service can be found on Holvi's page Bank Connections.

Through Holvi, it is possible to:

Pay purchase invoices and receive payment feedback, which automatically reconciles transactions
Receive account statements from the bank (KTO) - format
Receive machine-readable references (KTL) - format
Pay salaries (recurring payment data)

Holvi currently does not support:

Foreign payments (payments outside the SEPA area or if the currency is something other than euro)
ERI payments, i.e., exporting credit invoices for payment
Balance inquiry
Electronic payment cancellation
Payment of tax transfers (in this case, a regular transfer must be created)
Receiving e-invoices.

You can log in to Holvi's service at https://login.app.holvi.com/

Holvi's customer support: https://support.holvi.com/hc/fi/articles/115005238365

For Holvi, sales and purchase invoicing is done in Netvisor. Holvi's account is added as the company's bank account, and through it, you can then pay purchase invoices, salaries, and transfers. Additionally, you can get an account statement from Holvi to Netvisor.

Pre-filled bank payment traffic agreements

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

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