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1 - Introduction

This document describes how vendors can use the Valitor Corporate Solutions Card Loan Services when making Card Loans.

If changes are made to the web service, a new version will be issued and merchants will be informed of the changes. An older version will remain active for a certain period of time, except in the case of an error requiring immediate change.

Please be in contact with Valitor Corporate Solutions for access and a cardnumber to the Test environment.

Info

Card loans were previously named VISA Loans and in order to avoid rewriting at merchants, the URL has not been changed

1.1 - Legislation on standardized information on Consumer loans

On November 1st, 2013, a new consumer credit law took effect:

Article 1.
Information before the Loan has been registered. The lender shall, with reasonable notice, provide the consumer with the necessary information before a loan agreement is made so that he can compare different offers and make an informed decision as to whether a loan agreement should be made, cf. Paragraph 1 Article 7 Act no. 33/2013, on consumer credit. Information according to Art. Paragraph 1 shall be provided on a standard form

This means that it must be ensured that the cardholder has clicked on a link that returns him a standard consumer credit information as a PDF document (see the function SkilaUpplysingumUmNeytendalanSemPDF) before he takes a card loan.

The cardholder must also be able to get the card loan itself as a draft before deciding to take the card loan.

Important

It is important to mark it clearly with the headline DRAFT, but otherwise it is like the Card Loan itself, except for the areas "Card Loans No." and "Source No." are empty

1.2 - Recent changes

1.2.1 - Changes to FaUtreikningOgStofnaVisaLan

Changes were made to the FaUtreikningOgStofnaVisaLan operation. The operation now requires electronic signature from the user for the card loan to be registered. If the card loan is not electronically signed, it will not be registered in the Valitor loan system.

1.3 - URLs

1.3.1 - Test environment

Test environment: https://api-acquiring.uat.valitor.com/visalan/visalan.asmx

WSDL Test environment: https://api-acquiring.valitor.com/visalan/visalan.asmx?wsdl

1.3.2 - Production environment

A merchant agreement needs to be completed prior to gaining access to production environment.

Contact Valitor for further information