Using Aritma credit note functionality
The Aritma Banking Api allows for negative payments or credit notes. These payments can be sent alone or together with positive payments.
For a negative payment to match a positive payment, all of the following must be true:
| Criterion | Rule |
|---|---|
| Debtor account number | Must be identical |
| Creditor account number | Must be identical |
| Creditor name | Must be identical |
| Debtor Account currency | Must match if using Swedish Postgiro numbers (multicurrency support) |
| Remittance information type | If SCOR is used, all matching payments must use SCOR. Other types match each other unless one uses SCOR |
| Destination bank | Must be the same bank |
When negative and positive payments are matched and bundled together, the combined sum must exceed 0 for the payments to go through.
- If the bundled sum is greater than 0 — the payments are sent
- If the bundled sum is 0 or less — the payments will not go through
When you send a negative payment that does not match any positive payment in the same signing basket or payment approval, the system stores it for up to 30 days.
During this period:
- The negative payment waits for a matching positive payment to arrive
- Once a match is found, the payments are bundled automatically
- After 30 days without a match, the negative payment expires and gets rejected
- This is also the case for a positive payment that matches a negative, but is smaller in amount. For instance a negative payment of -1000 and a regular payment of 500 that have the same matching key will both be waiting in the system for a payment that matches that is 501 or greater for the total sum to be above 0.
Positive payment:
- Debtor account:
12345678901 - Creditor account:
98765432109 - Creditor name:
Acme AB - Amount:
2000 SEK - Remittance:
Invoice 123
Negative payment — matches:
- Debtor account:
12345678901 - Creditor account:
98765432109 - Creditor name:
Acme AB - Amount:
-1000 SEK - Remittance:
Correction
These payments match because all criteria align — same accounts, same creditor name, same destination bank.
Positive payment:
- Debtor account:
12345-6(Swedish Postgiro) - Currency:
SEK
Negative payment — does NOT match:
- Debtor account:
12345-6 - Currency:
NOK
Swedish Postgiro accounts support multiple currencies, so the currency must match exactly.
Positive payment:
- Remittance type:
SCOR - Reference:
RF18539007547034
Negative payment — does NOT match:
- Remittance type: Free text
- Reference:
Correction for invoice
When a payment uses SCOR, the matching payment must also use SCOR — other remittance types will not match.