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Introduction
Payment defaults can be updated by means of Creditinfo’s credit management service. To do that, Sale Ledger statements should be regularly sent to credit management, and an individual agreement as to when they should be sent is made with each customer.
- You can send the Sales Ledger to credit management as an XML file of the format specified by the following schema - The debtors_info_ver2
- A separate XML schema has been created for banks - bank_debtors_payments_ver3'
The debtors_info_ver2 format
- XML schema
- debtors_info_ver2_mhr_example.xml - sample debtor data file.
- debtors info ver2.png - diagram of the structure of the XML file containing debtors’ data.
The /debtors/debtor/additional_data tag value with the additional_data_name="contract_no" attribute is used to add a payment default to the Credit register. The Credit Register also requires the number of the contract that was breached by the outstanding payment to be entered.
If the amounts are stated in euros, the sums referring to the period before the moment the euro came into use will be replaced by Estonian kroons at the rate of 15.6466 kroons to euro. If amounts are still sent in Estonian kroons after the change to the euro, kroons will be substituted with euros at the same rate, so the customer can choose when to start sending the data in euros.
The bank_debtors_payments_ver3 format
This format is meant to be used by banks to forward data to credit management. The difference between bank_debtors_payments_ver3 and debtors_info lies in the fact that the former is not based on invoices.
- XML schema
- bank_debtors_payments_ver3_mhr_example.xml - sample debtor data file.
- bank debtors payments ver3.png - diagram of the structure of the XML file containing debtors’ data.
If the currency rate is not set in attributes of the /debtors/debtor/overdue_payments tag, the rate of 15.6466 kroons to euro is used and currency conversions are performed if necessary.
Forwarding the files
Files can be sent to Creditinfo by means of the KiDocExchange SOAP interface.
The format of the name of the file to be sent to Creditinfo must be the following:
<initials>_krediidihaldus_<id>.<extension>
- <initials> - the initials of the company, for example, ki for Creditinfo. ki.
- <id> - the unique ID of the file in the sender’s system by which the sent file can be identified, for example, the time when the file was generated.
- <extension> - the extension of the file to be sent (XML or ZIP). We recommend compressing the files to be sent.
Example 1: a file to be sent to Creditinfo Eesti AS
ki_krediidihaldus_20100613.zip