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When using Zervant's "<a href="https://support.zervant.com/hc/en-gb/articles/6755793774877" target="_self">Online bank payments</a>" feature, you are charged per use. In this article we want to explain how this works.
 
Once you have used all your free credits, we charge 0,99€ (+VAT) for each invoice paid by online bank payments.
You can follow the credits and payments under My account >My plan.
<img src="https://skilled-power-8bd28470f8.media.strapiapp.com/hc_article_attachments_11899913348253_e717ec1e32.jpg" alt="Pay">

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Zervant's Online Payments service carried out in cooperation with Stripe means your customers can pay invoices directly online with a simple click via credit or debit card. Learn more about this feature <a href="https://support.zervant.com/hc/en-gb/articles/360036369911" target="_blank" rel="noopener noreferrer">here</a>.
When you send your invoice via email to your customer, they can use the online payments feature by clicking >Pay online. They will pay the amount on the invoice as usual, which will then be transferred directly to your bank account by Stripe within seven business days.
Stripe will deduct a fee of 1.5% of the invoice value, as well as a fixed fee of €0.25. Our fee for this service is an additional 0.5% of the invoice value. These fees apply to Visa, Mastercard and American Express cards issued in Europe (3.75% + €0.25 for non-European cards).
 
Here is an example:
<ul>
<li>You create and issue an invoice with a value of €50.</li>
<li>You enable Online payments for this invoice.</li>
<li>Your customer pays the €50 invoice by clicking the “Pay online” button.</li>
<li>The €50 goes to Stripe and the invoice will be marked as paid (both in your Zervant and Stripe accounts).</li>
<li>Stripe will pay €48.75 into your bank account (the €50 on the invoice, minus the fees outlined above) within seven working days.</li>
<li>You can see the receipt for the Stripe fee for this payment in your Stripe account.
</li>
</ul>
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This service available in Zervant is carried out in cooperation with Tink. It allows your customers to pay your invoices directly via online banking. This will make it easier for your customers to pay your invoices, allowing you to get paid faster! IMPORTANT: This service is currently available for customers in Finland, Sweden, Germany, the Netherlands and France with a premium subscription (STARTER, PRO, or GROWTH). 
<img src="https://skilled-power-8bd28470f8.media.strapiapp.com/hc_article_attachments_11899834587805_5d67995ccf.jpg" alt="choose">
 
 
<h3 id="h_01HAC5SWR13YYHB8KKQ45Q4MSF">How to enable online bank payments</h3>
<ol>
<li style="font-weight: 400;" aria-level="1">
Go to >My account >Payment methods
</li>
<li style="font-weight: 400;" aria-level="1">Enter your default IBAN number in your payment methods</li>
<li style="font-weight: 400;" aria-level="1">Select "Accept online bank payments" and click >Save</li>
<li style="font-weight: 400;" aria-level="1">When you create invoices, send them to your customer by email</li>
</ol>
 
That’s it! When your customers use online bank payments, they will execute the payment via their online bank to your primary IBAN number.
Please note that this feature is on by default when you have inserted and saved an IBAN. Once you run out of freebies, we will charge per use. It can be switched off by unticking the box next to "Allow your customers to pay with online banking".  
<img src="https://skilled-power-8bd28470f8.media.strapiapp.com/hc_article_attachments_11899834596893_d726979a0d.jpg" alt="Online">
 
Please note: Only the default IBAN set as payment method will be used for the online bank payments. Please check that you have your preferred IBAN account number set as default to which the payment should arrive. For more information on multiple IBAN numbers and setting as default, please click <a href="https://support.zervant.com/hc/en-gb/articles/360036008472-Adding-your-payment-details-on-your-invoices">here</a>.
 
<h3 id="h_01HAC5SWR12HYKJY0K0D71NFRA">What does this mean for your customer?</h3>
Once you have sent an invoice to your customer by email, they can open the invoice directly from their email inbox and will be redirected to a new webpage.
 
Your customer can pay the invoice by clicking on >Pay and follow the instructions on the webpage. This means that with one click on >Pay, your customer can login to their own online bank and pay your invoice.  <img src="https://skilled-power-8bd28470f8.media.strapiapp.com/hc_article_attachments_13576873673629_2ec1db8ba7.jpg" alt="Tink EN.png"> 
The View invoice option opens a view where the invoice is also displayed on the right side of the page: 
<img src="https://skilled-power-8bd28470f8.media.strapiapp.com/hc_article_attachments_13576967246365_7653786462.jpg" alt="Tink EN 2.png">
 
 
<h3 id="h_01HAC5SWR1W6WV7QJGBKX8RDZH">What do I have to do?</h3>
You can relax. When the feature is activated and you have sent the invoice by email, your customer will automatically get the chance to pay with online bank payments.
<img src="https://skilled-power-8bd28470f8.media.strapiapp.com/hc_article_attachments_9223028938397_ac62ae893e.jpg" alt="Tink_email_modal_EN.png" width="511" height="655"> 
Once your customer has completed the payment for your invoice, the invoice status of that invoice will change to >Paid. You can see in your invoice history that the payment has been initiated by your customer and the banks are processing the payment.
Depending on your bank and the bank of your customer, it can take up to 3 bank days for the payment to arrive on your bank account. Please note! If the payment fails for some reason, there will be no notification about it. If the payment does not appear in your bank account (after 3 banking days), change the status of the invoice back to "Unpaid" and send it again. 
 
<h3 id="h_01HAC5SWR29NR3G36YS7QKYEEQ">What does this cost?</h3>
This service is billed on a monthly basis. You will be charged €1 (+VAT) per invoice paid with this service.
You can follow your usage under My account -> My plan -> Zervant Pay-Per-Use -> Online Bank Payments used.

This service available in Zervant is carried out in cooperation with Stripe. It allows your customers the option of paying your invoices online directly by credit or debit card (Visa, Mastercard or American Express). This will make it easier for your customers to pay your invoices allowing you getting paid faster!
 
<h2>How online payments work</h2>
1. Go to >My account -> Payment methods and click on Get started. <img src="https://skilled-power-8bd28470f8.media.strapiapp.com/hc_article_attachments_11902816916125_85761bf329.jpg" alt="Online"> This page will now appear on your screen: <img src="https://skilled-power-8bd28470f8.media.strapiapp.com/hc_article_attachments_4650892512529_a255018779.jpg" alt="accept_card_payments.png"> 2. Click the green Connect with Stripe to activate button. You will be redirected to Stripe’s website where you will need to create an account. Fill out the form to set up your Stripe account. 
Please note that the Business website is a mandatory field. However, if you don't have a website for your company, Stripe also accepts a detailed business Facebook or LinkedIn page.
Creating an account to Stripe is entirely free of charge, and will allow you to see the payment status of the invoices you have enabled online payments for. On your Stripe account you can also choose whether you would like to send your customers a receipt confirming invoice payment.   If you already have a Stripe account, you can click >Sign in at the top right corner of the Stripe form to connect your Stripe account to your Zervant one.   Once the registration is done, you will be returned back to Zervant and a pop-up message will inform you whether the integration with Zervant was successful. If successful, Stripe will also send you an email confirmation.
 
3. A check box to "Accept online payments for invoices sent by email" will now appear in your Online payments settings. <img src="https://skilled-power-8bd28470f8.media.strapiapp.com/hc_article_attachments_4651378779281_36bca38e46.jpg" alt="Online_payments.png"> 
You find another check box to enable Online payments also in your email sending window. It is checked by default, but you can always uncheck it before sending the email, if you do not want to offer your customer the option of paying the invoice with credit or debit card. <img src="https://skilled-power-8bd28470f8.media.strapiapp.com/hc_article_attachments_360063810372_e641fb33bb.jpg" alt="Activating Online Payments in email invoices in Zervant" width="617" height="640">
 
<h2>What this means for your customer</h2>
When your customer opens the invoice by clicking >View invoice & pay now in the email, he/she will be redirected to a new webpage where your customer will be able to pay the invoice with a debit or credit card by clicking the green >Pay now button in the top right corner. <img style="width: 650px; height: 149px; border-width: 1px; border-style: solid;" src="https://skilled-power-8bd28470f8.media.strapiapp.com/hc_article_attachments_360043312731_5dd2ee7079d70_e0942a0001.png" alt="Zervant Online Payments for customers">
 
Once your customer has paid, the invoice will be marked automatically as paid on both your Stripe and Zervant accounts. Stripe will forward the corresponding amount (minus the Stripe and Zervant fees) to your bank account (the details of which you have saved in Stripe) within 7 business days.
 
There is a minimum amount per currency for Stripe card payments, in euro the amount is € 0.50. You can see the full list <a href="https://stripe.com/docs/currencies#minimum-and-maximum-charge-amounts" target="_self">here</a>. Please note that an invoice cannot be paid in partial installments. If your customer wants to pay single instalments using online payments, the instalments will need to be split across multiple invoices rather than on one invoice only.    If you have questions regarding the use of Stripe, please contact them directly.   Please read more about the <a href="https://support.zervant.com/hc/en-gb/articles/360036370011-Pricing-of-Online-payments" target="_self">associated fees</a> of this functionality.  If you wish to deactivate this feature, simply go to: My account -> Online payments -> Deactivate online payments.
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Pay per use