Using Aritma credit note functionality
The Aritma Banking Api allows for negative payments or credit notes. These payments must be signed 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.
To test this functionality in Aritma's development environment, you can use payment services towards DNB banks or swedish Swedbank banks
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.