Swiss LSV+

The Swiss Payments extensions includes LSV+ and ESR payment methods, along with support for reconciling bank file standards used in Switzerland.

FinDock supports collecting CH-DD direct debit payments via PostFinance. For reconciliation, FinDock can process both Customer Direct Debit Initiation (pain.008) and the Customer Payment Status Report (pain.002) files. In addition, FinDock supports the Bank-to-Customer Statement (camt.053) Bank-to-Customer Debit/Credit Notification (camt.054) statements.

Prerequisites

• FinDock is installed and configured.
• You have at least one Swiss bank account.

Install Swiss Payments extension

Follow the standard procedure for installing payment processors to add the Swiss Payments for PaymentHub extension. Activate the PaymentHub-LSV processor and Direct Debit payment method.

Check and assign the required permissions. There are no additional package-specific permission sets for Swiss Payments.

Add LSV+ targets

To add a new LsV+ target:

LSV+ target settings

LSV+ mandates

A mandate is an agreement between the creditor and the debtor whereby the debtor allows the creditor to take money out of the debtor's bank account. You must have an authorized mandate from the debtor (your customer or donor) to be able to collect LSV+ direct debit payments. There are several rules governing the use of mandates, including expiration, white listing, blacklisting, constellations, and so forth.

Within FinDock, a mandate is a unique ID representing the agreement whereby you, the creditor, have the right to debit a specific bank account. Please keep in mind that this is the technical representation of a mandate. The direct debit rules remain for organizations to have a valid mandate with the payer.

For more information about mandate handling and configuration, please see Introduction to mandate handling.

ESR payment references

If you activate the ESR payment method for the LSV+ processor, you can use the Payment Request Generator to generate ESRs for campaigns, for example. For further information, see What is the Payment Request Generator?

In the Swiss market, it is also possible to receive camt files from PostFinance (the financial services unit of Swiss Post) with images of ESR (Einzahlungsschein mit Referenznummer) Payment Slips attached to the bank statement report. The collection of files is delivered as a zip file. These zip files can be uploaded to FinDock, and FinDock creates the transaction set and transactions similar to a regular camt file upload.

The images (TIFF format) are added as attachments to the corresponding transactions. However, Salesforce doesn’t support previewing TIFF files. On the target level you can change the file format to PNG to preview the file in Salesforce. A very common use case for this is previewing the file during the guided review process to match the transaction to a donation.

The payment reference is primarily used in matching incoming transactions to a particular installment. When performing a direct debit run, the payment reference is used as the End-to-End Id in the PAIN file.

Organization prefix to ESR LSV+ references

Some Swiss banks require a customer / organization prefix in front of ESR LSV+ references.

To add a prefix to your ESR LSV+ references:

1. Go to Custom Settings.
2. Press Reference Settings.
3. Press Manage.
4. Press the top New button to create an organization level value.
5. Enter your organizations prefix into the ESR Reference Prefix field
6. Press Save.
   

The provided prefix is prepended to all ESR LSV references upon creating or updating Installments and when using the Payment Request Generator with the standard ESR generation.

Payment API

To test your Swiss Payments configuration, you can use the following request in combination with the API.

The following message initiates a one-time Direct Debit with FinDock, passing in target, holderName, iban, clearingMemberId and description parameters to set up the Mandate.

{
	"SuccessURL": "https://www.example.com/success",
	"FailureURL": "https://www.example.com/error",
	"WebhookURL": "https://webhook.site/181568ec-8830-4672-af01-8c99da8e044f",
	"Payer": {
		"Contact": {
			"SalesforceFields": {
				"FirstName": "Eric",
				"LastName": "Johnson",
				"Email": "eric@johnson.com"
			}
		}
	},
	"OneTime": {
		"Amount": "30"
	},
	"PaymentMethod": {
		"Name": "Direct Debit",
		"Processor": "PaymentHub-LSV",
		"Target": "LSV-Target",
		"Parameters": {
			"iban": "CH9189144468973612788",
            "holderName": "E. Johnson",
            "description": "Room for description",
            "clearingMemberId": "89144"
		}
	},
	"Settings": {
		"SourceConnector": "PaymentHub"
	}
}

The following message initiates a recurring direct debit transaction with FinDock, passing in target, holderName, iban, clearingMemberId and description parameters to set up the Mandate.

{
	"SuccessURL": "https://www.example.com/success",
	"FailureURL": "https://www.example.com/error",
	"Payer": {
		"Contact": {
			"SalesforceFields": {
				"FirstName": "Eric",
				"LastName": "Johnson",
				"Email": "eric@johnson.com"
			}
		}
	},

	"Recurring": {
		"Amount": "25",
		"Frequency": "Monthly",
		"StartDate": "2020-11-01"
	},
	"PaymentMethod": {
		"Name": "Direct Debit",
		"Processor": "PaymentHub-LSV",
		"Target": "LSV-Target",
		"Parameters": {
			"iban": "CH9189144468973612788",
			"holderName": "E. Johnson",
			"description": "Room for description",
			"clearingMemberId": "89144"
		}
	},
	"Settings": {
		"SourceConnector": "PaymentHub"
	}
}