Payment Solutions

This article provides an overview of the payment solutions available for Acendy, including Klarna, Vipps, and Adyen. It covers the application process, necessary documentation, transaction fees, and payout information for each provider.

Payment Solutions

General Information About Payment Solutions

There are no extra monthly costs or setup fees for our payment solutions. You only pay transaction fees for completed orders.

We recommend setting up Klarna's payment solution as early as possible, as you can then choose to offer your customers both Klarna and Vipps in Klarna's checkout.

We also offer PayPal, which can be integrated into Klarna's checkout.

Klarna

Process

Before starting the application process, ensure the following items are correctly set up and visible on your store:

Organization number
Company name
Registered address
Contact information
- Phone number
- Store email address
Terms and conditions
Privacy policy

The image below shows what the footer should contain for the fastest possible processing by Klarna.

Note

Read Klarna's own help article about this.

Application

The application process for Klarna has several steps. Processing time largely depends on how well the preparatory work has been done before the agreement is submitted.

When you activate your store with Acendy and have either the Start, Smart, or Plus package, we will initiate the application from our side.

We then send the necessary information to Klarna so the application is started.

On the front page of the control panel, you will then see the status of the application, and it will be at 20%.

You must then click on "To the form" and fill out the necessary information.
A couple of days after you have filled out this form, the application will be updated, and you must fill in the AML form, see necessary documentation.
If all information is filled in correctly, these should be the only steps. If error messages appear, contact customer support.

Once you have submitted the application, Klarna will process it as quickly as possible. The average processing time is 1-2 weeks, provided all documentation is correctly submitted.

How can i check the status of the application?

In your control panel, you always have an updated status of your application. Here you will get information about Klarna is processing the application, or if they need more information from you. Klarna will then contact you on the email address that is stated when the application was submitted.

By pasting /controlpanel/ml/onboarding/klarna/v3/widget after your domain name.

For example (www.acendy.no/controlpanel/ml/onboarding/klarna/v3/widget ) you will get insight into the current status of the application in Klarna's systems.

Necessary Documentation

In the application process, Klarna will require the following documents from you:

AML form

Anti-money Laundering form is required by acquirers as an extra step in the onboarding process and is required as an extra security measure to prevent the acquirer agreement from being used for money laundering.

This form must be submitted no later than 14 days after it has become available in the control panel.

If the link to the form has disappeared, you can find it within 14 days by pasting the link /controlpanel/ml/onboarding/klarna/v3/widget in your browser.

Note

If the AML form is not submitted within 14 days, the application will be canceled by Klarna, and you must submit a new application.

In addition to this, you must log in with BankID from the person with signing rights at Klarna.

We reserve the right for Klarna to require further documentation in the application process.

Transaction Fees

The transaction fees for Klarna follow your basic package in Acendy, which means that the Start, Smart, and Plus packages determine which transaction fees you end up paying.

Here you can see a full overview of our basic packages.

Order

If you have not had the application started when activating the store, Klarna can be ordered in our app-store or by contacting our customer support at: kundeservice@acendy.no

Then you will receive an email with guidance on how to proceed.

Payouts

Klarna makes weekly payments to customers. Payments are normally made every monday.

You can find Klarna's payout reports by logging into your Klarna portal: https://eu.portal.klarna.com/

Vipps

Process

To get Vipps as a payment solution in the store, you must submit an application via Vipps' website, see order.

Once you have submitted the application, Vipps will process it as quickly as possible. The average processing time is 1-2 weeks, provided all documentation is correctly submitted.

Once the application is approved, you will receive an email from Vipps stating that the application is approved, and we will help you enter the keys you receive from Vipps.

It is the same application process if you want Vipps in the online store or PoS (point of sale system).

Necessary Documentation

In the application process, Vipps will require you to log in with BankID from the person with signing rights.

We reserve the right for Vipps to require further documentation in the application process.

Transaction Fees

The transaction fees for Vipps follow your basic package in Acendy, which means that the Start, Smart, and Plus packages determine which transaction fees you end up paying.

Here you can see a full overview of our basic packages.

Order

Step 1: Go to https://portal.vipps.no and log in with BankID

Step 2: Go to https://portal.vipps.no/register/{your organization number}
NB. Remember to replace {your organization number} with your own org.nr.

Step 3: Fill in information about the company
Important! Remember to choose Acendy.no as a partner in the application process.

Step 4: As soon as the application is processed, you can send the integration keys to kundeservice@acendy.no (these can be found in the Vipps portal under the "developer" tab).

You can check the status of your Vipps application directly in the Vipps portal.

We need the following to set up the integration

Merchant serial number
client_id
client_secret
Vipps-subscription-key (Primary)
Vipps-subscription-key (secondary).

Copy and forward the keys to kundeservice@acendy.no.

NB! A screenshot will make it difficult to ensure that the information entered is correct. Copy and paste into text format.

Payouts

Vipps makes daily payments to you. Payments are normally made with a one-day delay, which means that what you sell on monday will be paid out on tuesday.

You can find Vipps' payout reports by logging into your Vipps portal:

https://portal.vipps.no/

Adyen

Process

To get Adyen as a payment solution in the store, you must submit an application via our control panel. To get a link to the application, contact sales or customer support.

This application requires ID, certificate of registration, and bank statement from the person with signing rights, see necessary documentation.

Once you have submitted the application, Adyen will process it as quickly as possible. The average processing time is 1-2 weeks, provided all documentation is correctly submitted.

Once the application is approved, you will receive an email from us stating that the payment solution is ready for use.

It is the same application process if you want Adyen in PoS (point of sale system) or Acendy card payment in the online store.

Necessary Documentation

In the application process, Adyen will require the following documents from you:

ID from the person with signing rights for the company (Passport or both sides of driver's license)
Certificate of registration (Can be obtained from Altinn)
Bank statement from online banking (This must be the company's account)

Here we have created a help article that shows how the documents must look and what must be shown for them to be approved.

Transaction Fees

The transaction fees for Adyen follow a dynamic model that is based on how much turnover you have per month.

The transaction fees are as follows:

Order

If you want an acquirer agreement via Adyen for your point of sale system, you must notify the seller or customer support.

Then you will receive an email with guidance for the further process.

Payouts

Important information about the first payment

Since the main focus for us and the acquirer is to get the agreement up and running as quickly as possible, it may take up to 3 weeks before you receive the first payment from acquirer Adyen. This is because the setup of the connected account number takes a little longer than the other processes.

Note

The reason why the setup of the account number takes a little longer is that Adyen has very strict routines for confirming that the account number belongs to the correct company. This is necessary so that they can ensure that the money is paid out to you and not someone else by mistake.

Which company is responsible for payouts?

You have an acquirer agreement with our partner Adyen.

Adyen is a fast-growing dutch company with Spotify, Elkjøp and Ebay on the customer list. More information about Adyen can be found at www.adyen.com/about

When is the money paid out?

Adyen makes daily payouts monday to friday with a delay of 2-3 business days. This delay is due to the fact that transactions to Visa and Mastercard are not fully processed until after approx. 2 business days.

In practice, this means that a sale made on monday will be paid out on wednesday or thursday. During weekends and public holidays, it will take a little longer and a purchase made on thursday will be paid out on monday or tuesday.

Payout reports
When the money from the acquirer is paid out, detailed payout reports will appear in your control panel.

Reports > Point of sale system > Payout reports. These reports include your transaction costs.

Payment Solutions