Diesen Artikel auf Deutsch lesenKomfortkasse can read and assign payments from an existing bank account of the merchant ("own bank account"). The bank account itself is not provided by Komfortkasse.
Fully automatic connection
The connection to the bank account is fully integrated in Komfortkasse and can be established with just a few clicks directly in the Komfortkasse merchant area. Once the connection has been connected, the data is retrieved automatically in the background. No manual steps are necessary for the Komfortkasse user.
(The technical connection to the bank account is not established directly by Komfortkasse, but via interfaces from partner companies that are integrated into Komfortkasse. These partners are specialized providers for accessing bank interfaces. The partner retrieves the dates from the bank account and then redirects them to Komfortkasse)
Initial connection to the bank
When the connection to the bank is connected for the first time, existing postings are also retrieved from the account. These receive the status "No assignment" and are not assigned automatically. If required, our support team can start the automatic assignment for these postings.
Legal background
The EU PSD2 directive (Second Payment Services Directive) stipulates that only licensed payment institutions (so-called "third-party providers" or "account information services") may access bank accounts. All our partners have such a license and are supervised by a supervisory authority (such as BaFin in Germany or the FMA in Austria).
PSD2 interface
In the EU, the bank account is accessed via a PSD2 interface (often also called "Access to Account" or XS2A). this interface is provided by the bank specifically for access by third-party providers. Access is always encrypted.
Access consent
To access the bank account in the EU, the account holder must grant access consent for the third-party provider. This is executed directly via the Komfortkasse merchant area when the connection to the account is established. The access consent must be renewed at regular intervals (usually every 90 days). This is specified directly by the bank and cannot be influenced by Komfortkasse or the third-party provider.
The access consent can be revoked at any time in online banking, in which case access to the account is no longer possible.
Manual upload
In addition or as an alternative to access via the interface, a manual upload can be set up. The manual upload can also be used if the interface to the bank is temporarily unavailable.
(To prevent bookings from being imported twice, Komfortkasse differentiates the type of import for each booking day. Only bookings of one import variant are applied on one booking day. This means that if bookings have already been imported via the PSD2 interface on a booking day, no additional bookings can be imported via the manual upload on this booking day. The bookings for the subject booking day would be automatically skipped by Komfortkasse)
Other interfaces
MFTPF/FDS
For the connection of PostFinance accounts in Switzerland, we support MFTPF (Managed File Transfer), formerly known as File Delivery Services (FDS). Further information can be found here.
BusinessNet Connect
BusinessNet Connect (BNC) can be used to connect UniCredit accounts in Romania, Slovakia and the Czech Republic (and possibly in other countries).
Other
Other interfaces may also be available on request. Information on this can be obtained from Komfortkasse Support.
Refunds
Refunds can also be executed fully automatically with an own bank account. No confirmation or TAN entry by the merchant is necessary. The amount for the refund is collected from the merchant's account by direct debit and then transferred to the end customer by Komfortkasse. If several refunds are executed, the amounts are totaled and debited collectively. By default, the direct debit is executed once a week free of charge. An interval of 2x per week, daily or instant (for each refund individually) can also be specified in the extended settings. Fees are charged per direct debit according to the price overview. More about refunds...
Automatic ignoring of payments
Komfortkasse imports all incoming payments from the merchant's bank account. Outgoing payments are not imported by Komfortkasse. (For technical reasons, depending on the interface, these may still be transferred to Komfortkasse, but then not saved or processed)
The merchant's bank account often contains not only payments for open orders, but also other payments that are not relevant for Komfortkasse. Many of these payments are automatically recognized and ignored by Komfortkasse, e.g:
- Direct debits, chargebacks
- Payments from automatic pay-in machines to your own account
- Incoming collective payments from credit cards such as American Express, Mastercard, Visa
- Payments from payment service providers such as Paypal, Klarna, Novalnet, PPro, Adyen, SIX, WorldFirst, etc.
- Payments from marketplaces such as amazon, Mercateo, ebay
- Collective payments from debt collection agencies
- Tax refunds or government subsidies
- Reimbursements from insurance companies
Additional originators can be added at any time so that regular payments that are not relevant for Komfortkasse are automatically ignored. Possible use cases are e.g:
- periodic payments for rent, lease, etc.
- Payments from major customers that are not stated via Komfortkasse
- Credit notes from suppliers
- special payment agreements
Other options are also available on request (e.g. automatic ignoring of certain texts from the purpose text).
Fees
Every incoming payment that is not automatically ignored by the mechanism described above is processed by Komfortkasse. If the automatic assignment finds no match, the payment is redirected to Komfortkasse Support for manual post-processing. For this reason, the corresponding fee is due for every incoming payment processed by Komfortkasse, even if the payment would not have been relevant. Only if the originator has been permanently ignored will no fee be billed for the postings. If the payment is not assigned to an order, the fees are capped. All prices can be found in our price overview.