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Netcash debit order processing integration

Eugène van der Merwe shared this idea 6 years ago
Under Consideration

In South Africa the payment provider of choice for debit orders is Netcash.

What we need is a module that submits debit orders to the Netcash system.

Netcash already provides an extensive API.

The caveat with Netcash is you can't immediately see if a debit order was processed successfully. You wait a few days for "bounces" to come through and then act accordingly. Another complication is that a bounce might come through "at any time" if the client has cancelled their debit order. WHMCS needs to be intelligent enough to pick this up at any time (or daily with the CRON) and then do the appropriate reversal. A notification when a reversal happens would be ideal.

Our company developed a Netcash module many years ago but we would prefer if this is done by WHMCS. How our module works:

On about the 24th of each month we add all unpaid invoices (with payment method debit order) to a batch. This batch is submitted to Netcash. After the 1st of the next month (around the 7th) we log into the report from Netcash. At that point we manually mark all unpaids and run a "confirm batch" operation.

The main problem we have is we cannot use the standard 14 day suspension function in WHMCS any more. We have to set this for 45 days, because the client's invoice might be generated on the 2nd, only processed on the 24th, and marked as paid the following month on the 7th.

So we're always about 60 days behind if we need to suspend.

The other problem is if a client pays using another method between the 24th and the 7th of the next month. These exceptions need to be handled manually and it's a schlep.

If it will help we are willing to part with all the code free of charge of our module so that WHMCS can have a look at what we did.

Comments (10)

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Staffie wrote:

there are 3 crucial steps (and several optional and highly recommended)

  1. use the free webservice to validate the accuracy of data on load (this webservice will tell you that the account is a.) a savings account, b.) at a particular bank/branch and/or 3.) the ID number for the user is a valid ID number - it does NOT confirm the identity of the person nor does it confirm if the account number can accept debit orders)
  2. *OPTION - now verify data against the banking system and department of home affairs (this service is highly recommended since it checks the ID number to the person to the bank account number)
  3. Create upload file and send via webservice to netcash
  4. Following day and each day thereafter draw a statement download from netcash - this will reconcile the upload batch file vs payments made and offset any unpaid debit orders. It IS imperative to run a statement download daily as debit orders can still come back for up to 40 days after the draw date.

This is how we suggest you process new items

  1. load new customer
  2. validate on load all banking and id detailsif fail, stop process until correct detail is received else continue to next step
  3. verify detail (you only have to do this ONCE since if you have verified name - bank account - ID it will not change unless the banking information changes)if fail, contact customer and obtain correct detail and start at 2 with new detail. Same applies at change of banking information - validate, verify and load to DB.
  4. create batch file and send via webservice
  5. following day (and each day thereafter) draw a statement download from netcash to reconcile.

By following the above you ensure 1.) that your data is accurate and correct 2.) minimize fraud and 3.) seamlessly integrate your management system (whmcs) to your transaction processing facility (netcash) thus alleviating human error.

If anyone has any questions or queries please see the attached spec sheets or feel free to contact us directly.

A fully integrated netcash component in WHMCS will really give the vendor a huge advantage and netcash will promote such on our website (http://www.netcash.co.za/sage/partners/index.asp) as well - as we already service almost 90% of ISP's in Southern Africa.

Donovan Marais

Business Channel Manager

Phone: (+27) (021) 521 5211 - GMT+2

email : [email protected]

http://www.sagenetcash.co.za

Hi, just want to find out if you have a Debit Order Module for Netcash.

Thanks

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If anyone knows of such a WHMCS module please inform me. Really need it.

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Hi Guys!

We are looking for the Debit Module too. I have spoken to developers that can do this for me. Which should make things much easier to process.

WHMCS will not develop this themselves, a third party will have to do this for us.

Donovan thanks for the notes here, this will help. I will send you a email regarding this.

Obviously the more people need this module the cheaper development costs will be.

Feel free to send me a email and we can have a talk about this. [email protected]

Caio!

Johan

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I have been asked to leave these detailed steps with regards to creating a Netcash Module (see also attached files):

“Please see updated documents - especially wrt PCI compliance

there are 3 crucial steps (and several optional and highly recommended)

1. use the free webservice to validate the accuracy of data on load (this webservice will tell you that the account is a.) a savings account, b.) at a particular bank/branch and/or 3.) the ID number for the user is a valid ID number - it does NOT confirm the identity of the person nor does it confirm if the account number can accept debit orders)

2. *OPTION - now verify data against the banking system and department of home affairs (this service is highly recommended since it checks the ID number to the person to the bank account number - remember you only do this once)

3. Create upload file and send via https webservice to netcash

4. Following day and each day thereafter draw a statement download from netcash - this will reconcile the upload batch file vs payments made and offset any unpaid debit orders. It IS imperative to run a statement download daily as debit orders can still come back for up to 40 days after the draw date.

This is how we suggest you process new items

1. load new customer

2. validate on load all banking and id details if fail, stop process until correct detail is received else continue to next step

3. verify detail (you only have to do this ONCE since if you have verified name - bank account - ID it will not change unless the banking information changes)if fail, contact customer and obtain correct detail and start at 2 with new detail. Same applies at change of banking information - validate, verify and load to DB.

4. create batch file and send via secure webservice

5. following day (and each day thereafter) draw a statement download from netcash to reconcile.

By following the above you ensure

1.) that your data is accurate and correct

2.) minimize fraud and

3.) seamlessly integrate your management system (whmcs) to your transaction processing facility (netcash) thus alleviating human error.

If anyone has any questions or queries please see the attached spec sheets or feel free to contact us directly.

Please see updated documents on THIS post - especially wrt PCI compliance

‬Ě

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Good news!

We will be starting with development in the next few days for this Payment Module.

Please send me your notes and thoughts to [email protected]

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Any update on this?

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I am also looking for this module. Please keep me updated on how we can contribute...

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Will this work maybe. Just did a search and came across this. Any one use it yet? http://www.whmcs.com/appstore/4250/Debit-Order-gateway---Sage-Pay-Integration-.html#discussion

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SA Host King, I like what you posted, but this lacks some pretty basic functionality.

1. You *have* to submit on the 25th. I want to submit on due date.

2. You *have* to do *manual* recon. So if you've marked something as paid, you have to reverse it. Lots and lots of admin.

The rest of the module seems kind of promising though.

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Hi Eugene

Do you still have those files available that you mentioned a while ago in this topic.

None of them is available to download.

Trying to get the SAGE Debit module working again after all the upgrade from 5 to 6.

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