Update vom 28.02.2014
The end of December 2013 was to read (e.g.. at Gruenderszene.de), that the Swedish payment provider “Klarna” the German company “Immediately AG” for 150 Million dollars accepts.
As an immediate AG customer one noticed this even before the 19.12.2013, since some time before writing to the “Statement by immediately” Customers have been shipped, was announced in which, that this payment service is set. It was further recommended with special conditions to “Klarna” to change. We did so well and are very happy with the change so far.
Whether “Klarna” has done with the purchase of a favor, remains to be seen. The customer has but done with high probability a favor, the Swedish company!
In the past, problems were immediately criticized; be it faulty interfaces and software (S.U.), lack of feedback, Not Customer Service Hours….All Things wo man sagas konnte: Nunja, is a young company, who still need time. Generally, it was indeed usually better.
Recently, however, an error occurred, with which one can only shake his head and would have to laugh out loud, it was not so sad: Amounts disbursed from the cash settlement agreed not significantly with the “associated” Documents match.
Hard to believe but true, unfortunately: According to an account manager in the immediate AG these problems have already been More 2013 occurred. Well probably be on “Single Document”- Basic checks all operations.
As part of a review we noticed the differing amounts on account and the “associated” Documents on. On multiple demand in January and early February 2014, then we were in mid-February communicated via e-mail, that we could expect the clarification to end of February. Since up today (28.02.) however, was no feedback from immediate AG, we asked by telephone after. The statement of account manager, who had promised us the clarification to end of February, was only, that
- could be expected with no more information today,
- the review would now make others colleagues,
- We certainly were not the only customers, which would have the problem,
- were not foreseeable when to expect a clarification whether and
- she was sorry, but she could not do anything.
Quintessence: A business, which specializes in payment processing, Can not create correct statements in a position.
We can only hope for all customers, that Klarna that gets ironed out quickly and payment processing runs in the future, as might be expected.
Original Article from 11. June 2012
We opted for one of our projects to Store, Offer to purchase accounting, as many customers like to pay so much.
Because we do not like it but wanted to make at your own risk, we have for the “safe” Variant chosen and searched for a liquidator.
There are now but a wider variety of so called. Factoringanbietern, such as e.g.. Bill and the Safe Payment Network AG , the known “sofortueberweisung” but also “Statement by immediately” and offers it directly with Extension / Magentointegration.
Since we had with sofortueberweisung good experiences and the conditions of Statement by immediately convincing were, Finally, we decided for this offer.
The corporate structure of this company is a little confusing:
- On the one hand, the Payment Network, the u.a. The software provides and offers a back office, can be found in the individual postings.
- The bank IMMEDIATELY run to this one, the payments of the customers. The bank acts as an INSTANT own bank and has its own online banking functions like other banks. The account can then also with Star Money / Wiso money etc. be managed.
- The Bertelsmann Group (BFS Finance GmbH). This collects the money / allows it to be transferred from the shop customer and then assigns it to the NOW account.
This survey is completely kept short, there is a rough overview about the Strukuren.
So what happens when the invoice immediately by? The store owner “sold” his claim for payment directly to emergency / FSO. It must not be one's own account of the consignment be accompanied by, but only the instant / FSO with their data and information, that the payment should be made to this.
This works with the Magento module so, that orders, generated in the shop into a “Pending” Status are. In the order, it looks like this:
Now, the merchant must decide, whether or not he accepts the order. Is assumed at the moment in which the order, fall only to fees for the merchant. (The fees are directly over the Page of instant to learn.)
If the order has been accepted and the order will be processed, is the Magento backend generates an invoice by the extension from the server immediately. It is important to make sure, that the customer does not receive an invoice copy from the system, yet the account information of the trader (not because the merchant account, But this shall be referred by FSO).
After the invoice has been generated, the invoice can be printed directly from stock in the order. In the area of payment information, there is a link, opens after you click a PDF directly. This can then be printed:
One inserts the bill for the shipment and sent everything to the customer.
The rest should be done immediately and be sure to get money.
For customers, there are really few differences in the frontend. It is the payment option “Statement by immediately”, which can be selected normal. After completion of the order immediately checked in the background automatically by several (unknown) Criteria, whether customers should pay by invoice or before the order is confirmed. This usually takes a few seconds. Here it CAN happen, But that bill is not approved, for any reason whatsoever- Direct Debit. The customer must then enter their account information, to complete the order.
If, during the Prüdung, that the customer is not creditworthy, there is the message “The chosen method of payment is not possible or was canceled at the customer. Please choose another method of payment.” Problem in older systems such as e.g. Store. 1.4 can be, that the customer is unfortunately not led back into the cart, but the order will be canceled and the shopping cart is empty. The customer can then order again from scratch. Further, there is an IP block. So the customer has ever tried to pay by invoice, and this was rejected, he can not directly with the same IP then try again shall remit to. This is obviously a fraud prevention. But someone has entered a packing station or the address of the company, It is difficult to capture the home address. Sometimes the customer is the payment module but still the possibility to correct the address.
What happens in the case of a return / Returns?
If a credit, This is the default backend generates instant and BFS will pay for some time (here it can take only a week) the money back to the customer. When the credit has to credit the possibility of the entire bill, but only certain items. Unfortunately, currently not considered, that portion shall be refunded. In our case we had an action with 20% Discount on the shopping cart. The client placed several items in the basket and took advantage of the voucher, were all products of the 20% deducted. This voucher or. the amount appears on the invoice as a separate line item summary of the amount of the withdrawn value.
Thus stands for each item one position with a normal price in the invoice and its own position with the stripped coupon”worth”. So if you want to credit an article, is the normal price of this entire article credited, The voucher value will not change but. It is also credited with more, as was supposed.
Same is true for shipping costs. These can not be credited or adjusted. Only with full credits, these positions will include.
And some other issues, us at the time “Statement by immediately” are noticed
- A point, the notice after reading the information to bill by immediately: The disbursement of the money orders made at the earliest 21 Days after confirmation of the statement, are possible but also up to 27 Meet, as always (following) Tuesday will be paid (are the 21 Days then reached on Wednesday, have until Tuesday consequently more 6 Days will be maintained, will be paid until the money. Until then, it matters, is a question of bank term).
- Credits will be calculated and paid directly. So it may be in the first month of cooperation, calculated that only and nothing will be paid. Here you can possibly come as a startup in payment problems, if you do not really taken its return rate.
- And one more thing: There are 2,99% BruttoVKpreises as the net fee plus transaction fees (currently € 0,49) for every confirmed order. These charges apply in all cases, whether returned or not. In conjunction with point 2 you can even consider times when the first payment as. at a rate of return 20% come on's account.
- Not so good, that immediately sends the confirmation of the order by the dealer an email to the customer with the billing information. Thus, many customers are confused, whether they must pay in advance but only after receiving the goods or.
- A point, the customer in the checkout is best to communicate more: The choice of the billing address must be a “natural” be. Packing stations will not be accepted and also addresses many companies it comes to non-approval of payment.
The o.g. Points are, are to take note and / or a worthy improvement. Subsequently, however, very serious points, we have experienced in working:
- Incorrect billing: By checking the sales and payments on our part, turned out, that the amounts paid were too low. After a tip from us, was pointed: that after consultation with BFS finance a technical error has been detected, generated by an incorrect payment has been compiled and was therefore paid too little money. This error was corrected and now paid the missing money.
- Zusortierung of payments to invoices: Unfortunately, it is (currently) not possible to generate an overview of accounting for all payments received stating the order number from the shop. On the bill immediately generated by the shop while internal order number is noted (So they must at one point the emergency system must be known), However, they no longer appear in the tables on. A Zusortierung of orders is thus only about the instant-assigned- Account numbers for.
- It just happened (11.06.12): “For technical reasons,” was twice the invoice amount is debited from our account. We should not contradict this. He is booked immediately returned. Just a quick email without “we are sorry” or similar. Only the reference, We have deducted twice.
- Even just happened (19.06.12): The accounting was on, that the credits were not properly. It was part of the credit INSTANTLY Create backend = Not all positions have been credited. However, were on the credit himself called positions and included, were NOT credited and continue to be calculated. So it was in one case, that have been credited with two of three positions, were named on the credit but all three positions, the credit amount and the full invoice amount credited rubbed, in the text to the customer but wrote “Please pay the amount X (for the remaining position)”. Was told to call, that it is probably a technical problem and it is about taking care IN QUESTION.
All in all we can say conclusively:
The offer is not certain emergency bill by bad. Sometimes you feel but the only customer to be. There are always problems but on, each customer should notice. The double booking or too little credit transfers as well as other points of error are working urgently to address immediate needs. For some time it has been working focuses on a new back office, the many things to make it more transparent and evaluable. Of this is far but still nothing has been published. Evaluations are on the back office are partially but now possible 
and function properly (Here you can find the way back to the shop Internal Order, which is then in the payment summary, but not to see again…)
Update Juli 2012: It is really something to happen! The monthly reports are now a model. Shop catalog numbers are brought in connection with emergency order numbers and thus are Zusortierungen become easier.
Also in the administration area has changed a lot. Apart from graphical changes, Now is a value-based credit adjustment possible.
It is gratifying, was accepted that criticism and implemented changes in.
Best regards from the spring o'6 GmbH
