2 - Web Services
2.1 - FaFyrstaAfbDag
This service returns the possible payment date of the Card Loan and the maximum number of due dates.
It's also possible to have the service check if the SSN exists and whether the card number is valid.
2.1.1 - Definitions
2.1.1.1 - Request
| Field | Type | Len. min | Len. max | Usage | Description |
|---|---|---|---|---|---|
| Notandanafn(Username) | AN | 1 | 50 | M | Merchant's username for the webservice |
| Lykilord(Password) | AN | 1 | 50 | M | Merchant's password for the webservice |
| Samningsnumer(Agreement number) | N | 5 | 5 | M | Merchant's Card Loan agreement number |
| Kennitala(SSN) | N | 10 | 10 | O | Cardholder's SSNIf SSN is unavailable in the national registry an error is returned |
| Kortanumer(Card Number) | N | 16 | 16 | O | Card number used in Card loansIf card number is invalid it will return an error |
| Gildistimi(Expiration Date) | N | 4 | 4 | M if Card number is used, otherwise O | Cards expiration date MMYY |
| Vefverslun(E-Commerce) | B | 1 | 5 | M | If cardholder applies for Card Loan on his own, this parameter should be given the value true |
| AukaUppl1(Extra information) | AN | 1 | 250 | O | An extra parameterIf the loan is a zero interest loan, the text vaxtalaust should be used |
| AukaUppl2 | AN | 1 | 250 | O | An extra parameter, not in use |
| AukaUppl3 | AN | 1 | 250 | O | An extra parameter, not in use |
2.1.1.2 - Response
| Field | Type | Len. min | Len. max | Usage | Description |
|---|---|---|---|---|---|
| Villuskilaboð(Error Message) | AN | 1 | 16 | M | Error descriptionWill be empty if error is not present |
| Villukodi(Error Code) | N | 1 | 3 | M | Error CodeSee table 2.1.3 |
| AdgerdTokst(Action successful) | B | 1 | 5 | M | If error is present, this is false |
| FyrstiGjalddagi(First due date) | L | 10 | 12 | M | DateFormat:DD.MM.YYYYIf user is only supposed to choose one due date it will only return one date, otherwise it will return two |
| HamarksfjoldiGjalddaga(Max quantity of due dates) | N | 1 | 2 | M | Returns the maximum number of due dates based on the given premises |
2.1.2 - Examples
2.1.2.1 - Request
<?xml version="1.0" encoding="utf-8"?> <soap:Envelope xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">
<soap:Body>
<FaFyrstaAfbDag xmlns="VisaWebServices">
<Notandanafn>AbC123</Notandanafn>
<Lykilord>84jkf</Lykilord>
<Samningsnumer>60000</Samningsnumer>
<Kennitala>2112683579</Kennitala>
<Kortanumer>415552******6024</Kortanumer>
<Gildistimi>0315</Gildistimi>
<Vefverslun>true</Vefverslun>
<AukaUppl1>vaxtalaust</AukaUppl1>
<AukaUppl2></AukaUppl2>
<AukaUppl3></AukaUppl3>
</FaFyrstaAfbDag>
</soap:Body> </soap:Envelope>
2.1.2.2 - Response
<?xml version="1.0" encoding="utf-8"?>
<VisaLanFaFyrstaAfbDag xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="VisaWebServices"> <Villuskilabod />
<Villukodi>0</Villukodi>
<AdgerdTokst>true</AdgerdTokst>
<FyrstiGjalddagi>
<string>30.9.2012</string>
<string>31.10.2012</string> </FyrstiGjalddagi>
<HamarksFjoldigjalddaga>0</HamarksFjoldigjalddaga>
</VisaLanFaFyrstaAfbDag>
2.1.2.3 - Response Error
<?xml version="1.0" encoding="utf-8"?>
<VisaLanFaFyrstaAfbDag xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="VisaWebServices">
<Villuskilabod>Villa: Samningsnúmer er ekki gilt.</Villuskilabod>
<Villukodi>265</Villukodi>
<AdgerdTokst>false</AdgerdTokst>
<FyrstiGjalddagi>
<string />
<string />
</FyrstiGjalddagi>
<HamarksFjoldigjalddaga>0</HamarksFjoldigjalddaga>
</VisaLanFaFyrstaAfbDag>
2.1.3 - Errors
Information on errors that may occur while using this function can be found in Chapter 3.
2.2 - FaUtreikningOgStofnaVisaLan
Calculations of the Card Loan can be obtained based on certain criteria and terms if the variable StofnaLan is false (please note that the last row is sum of the rows).
It is necessary to publish the Terms and Conditions for the Cardholder before it is registered, so that the Cardholder has the option of accepting the Terms before the loan is created.
Important information
For card loan to be registered the user will have to electronically sign it. Electronic signing can be perfomed by calling the UndirritaKortalanPDF action.
If the card loan is not electronically signed it will not be registered in the Valitor loan system.
Please note
No more than 3 hours can pass before calling the function with StofnaLan=false until calling the function with StofnaLan=true.
If more than 3 hours pass you will get an error and need to call the function with StofnaLan=false.
2.2.1 - Definitions
2.2.1.1 - Request
| Field | Type | Len. min | Len. max | Usage | Description |
|---|---|---|---|---|---|
| Notandanafn(Username) | AN | 1 | 50 | M | Merchant's username for the webservice |
| Lykilord(Password) | AN | 1 | 50 | M | Merchant's password for the webservice |
| Samningsnumer(Agreement Number) | N | 5 | 5 | M | Merchant's Card Loan agreement number |
| StofnaLan(Register a Loan) | B | 1 | 5 | M | If false, only the calculations are returned and the Card Loan is not registered |
| Kennitala(SSN) | N | 10 | 10 | O | Cardholder's SSNIf SSN is unavailable in the national registry an error is returned |
| Kortanumer(Card Number) | N | 16 | 16 | M | The card number used in the Card LoanIf the card number is invalid an error is returned |
| Gildistimi(Expiration Date) | N | 4 | 4 | M | Card expiration dateFormat: MMYY |
| CVV2 | N | 3 | 3 | M | The card's security number on the backside |
| Vefverslun(E-Commerce) | B | 1 | 5 | M | If cardholder applies for Card Loan on his own, this parameter should be given the value true |
| SamthykktiSkilmala(Agreed Terms) | B | 1 | 5 | M | Cardholder has approved the terms of the Card LoanThe terms must be visible to the cardholder |
| FyrstiGjalddagi(First Due Date) | AN | 8 | 10 | M | The first due date of the Card LoanFormat: DD.MM.YYYYDue date is returned with FaFyrstaAfbDag |
| FjoldiGjalddaga(Qty Of Due Dates) | N | 1 | 2 | M | Quantity of instalments |
| HofudstollVoru(Capital) | N | 4 | 7 | M | Price of the product |
| Utborgun(Down Payment) | N | 7 | 7 | M | Cardholder's down paymentThis amount is not charged on the cardExample:Price of the product is 100.000 ISK, cardholder pays 40.000 ISK in down payment (not by credit card) so the capital of the Card Loan is 60.000 ISK without borrowing charges |
| NafnStarfsmanns(Name Of Employee) | - | - | - | - | Field not in use |
| UpplysingarUmVoru(Product Information) | AN | 2 | 2000 | M | Information about the product/service |
| NafnKorthafa(Cardholder's Name) | AN | 2 | 50 | M if StofnaLan is true, else O | Cardholder's name |
| HeimilisfangKorthafa(Cardholder's Address) | AN | 2 | 60 | M if StofnaLan is true, else O | Cardholder's address |
| StadurKorthafa(Cardholder's Place) | AN | 2 | 20 | M if StofnaLan is true, else O | Cardholder's place |
| PostnumerKorthafa(Cardholder's Postal Code) | AN | 2 | 5 | M if StofnaLan is true, else O | Cardholder's postal code |
| HeimasimiKorthafa(Cardholder's Home Phone Number) | AN | 1 | 8 | M if StofnaLan is true and no phone number in FarsimiKorthafa, else O | Cardholder's home phone number |
| FarsimiKorthafa | AN | 1 | 8 | M if StofnaLan is true and no phone number in HeimasimiKorthafa, else O | Cardholder's mobile phone number |
| NetfangKorthafa(Cardholder's Email Address) | AN | 1 | 100 | M | Cardholder's email address |
| AukaUppl1(Extra information) | AN | 1 | 250 | O | Extra parameterIf it's a zero interest loan, the text vaxtalaust should be returned |
| AukaUppl2 | AN | 1 | 250 | O | Extra parameterNot in use |
| AukaUppl3 | AN | 1 | 250 | O | Extra parameterNot in use |
2.2.1.2 - Response
| Field | Type | Len. min | Len. max | Usage | Description |
|---|---|---|---|---|---|
| Villuskilaboð(Error Message) | AN | 1 | 16 | M | Error descriptionWill be empty if error is not present |
| Villukodi(Error Code) | N | 1 | 3 | M | Error CodeSee table 2.2.3 |
| AdgerdTokst(Action successful) | B | 1 | 5 | M | This field is false if an error is present |
| ID | N | - | - | M | Unique ID used to get information about commercial loans as a PDF file |
| Skilmalar(Terms) | L | 1 | 1000 | M | Valitor's terms for Card Loans |
| SkilmalarUndirmalslina(Footnote Of Terms) | AN | 1 | 1000 | M | Footnote of terms |
| UtReikningar(Calculations) | L | - | - | M | Payment plan based on premisesPlease note that the last row is a summary row |
| Heimildarnumer(Authorization Number) | N | 6 | 6 | M if StofnaLan is true | Authorization number in Valitor Payment Gateway |
| VisaLanNumer(Card Loan Number) | N | 6 | 6 | M if StofnaLan is true | Card Loan numberIs based on the agreement number and increment serial number |
| VextirBreytilegir(Variable Interest Rate) | AN | 4 | 5 | M if StofnaLan is true | Card Loan numberIs based on the agreement number and increment serial number |
| LanTokuGjald(Borrowing Fee) | N | 3 | 3 | M | Borrowing feePaid by cardholder |
| LanTokuGjaldProsenta(Borrowing Fee Percentage) | AN | 4 | 4 | M | Borrowing fee in %Paid by cardholder |
| ArlegHlutfallstalaKostnadar(Annual Percentage Rate) | AN | 6 | 7 | M | Annual percentage rate of cost |
| UtgafuDagur(Date Of Issue) | AN | 8 | 10 | M | Date of issueFormat: DD.MM.YYYY |
| Soluadili(Merchant) | AN | 1 | 50 | M | Merchant's name |
| HeimilisfangSoluadila(Merchant's Address) | AN | 1 | 60 | M | Merchant's address |
| PostnumerOgStadurSoluadila(Merchant's Postal Code And Place) | AN | 4 | 55 | M | Merchant's postal code and place |
| SimiSoluadila(Merchant's Phone Number) | AN | 7 | 8 | M | Merchant's phone number |
| Eftirstodvar(Remaining Balance) | N | 4 | 7 | M | Total Card Loan after subtraction of the amount already paid |
| AaetladurHeildarlantokukostnadur(Estimated Total Borrowing Cost) | N | 3 | 6 | M | The sum of borrowing charge, interests and transaction fee |
| AetludHeildargreidsla(Estimated Total Payment) | N | 4 | 7 | M | Cardholder's estimated total payment |
| NafnKorthafa(Cardholder's Name) | AN | 2 | 50 | M | Cardholder's name used in the function |
2.2.2 - Examples
2.2.2.1 - Request for StofnaLan=false
<?xml version="1.0" encoding="utf-8"?> <soap:Envelope xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">
<soap:Body>
<FaUtreikningOgStofnaVisaLan xmlns="VisaWebServices">
<Notandanafn>AbC123</Notandanafn>
<Lykilord>84jkf</Lykilord>
<Samningsnumer>60000</Samningsnumer> <StofnaLan>false</StofnaLan>
<Kennitala>2112683579</Kennitala>
<Kortanumer>415552******6024</Kortanumer>
<Gildistimi>0315</Gildistimi>
<CVV2>123</CVV2>
<Vefverslun>true</Vefverslun>
<SamthykktiSkilmala>true</SamthykktiSkilmala>
<FyrstiGjalddagi>30.9.2012</FyrstiGjalddagi>
<FjoldiGjalddaga>3</FjoldiGjalddaga>
<HofudstollVoru>10000</HofudstollVoru>
<Utborgun>0</Utborgun>
<NafnStarfsmanns></NafnStarfsmanns>
<UpplysingarUmVoru>Reinivél</UpplysingarUmVoru>
<NafnKorthafa>Baldur Jónsson</NafnKorthafa>
<HeimilisfangKorthafa>Blágörðum 22</HeimilisfangKorthafa>
<StadurKorthafa>Reykjavík</StadurKorthafa>
<PostnumerKorthafa>108</PostnumerKorthafa>
<HeimasimiKorthafa>5521968</HeimasimiKorthafa>
<FarsimiKorthafa></FarsimiKorthafa>
<NetfangKorthafa>baldurjonsson@gmail.com</NetfangKorthafa>
<AukaUppl1></AukaUppl1>
<AukaUppl2></AukaUppl2>
<AukaUppl3></AukaUppl3>
</FaUtreikningOgStofnaVisaLan>
</soap:Body>
</soap:Envelope>
2.2.2.2 - Response for StofnaLan=false
<?xml version="1.0" encoding="utf-8"?>
<VisaLanFaUtreikningOgStofnaVisaLan xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="VisaWebServices">
<Villuskilabod />
<Villukodi>0</Villukodi>
<AdgerdTokst>true</AdgerdTokst>
<ID>54322</ID>
<Skilmalar>
<string>1. Korthafi/kaupandi samkvæmt Kortalánasamningi þessum lofar að greiða VALITOR hf. kt. 500683-0589, eða þeim sem síðar kann að eignast samning þennan, ofangreinda fjárhæð með þeim kjörum og afborgunum sem þar getur. Vextir á höfuðstól skuldarinnar reiknast frá útgáfudegi til fyrsta gjalddaga og síðan mánaðarlega eftir það. Vaxtakjör miðast við gjaldskrá VALITOR eins og hún er á hverjum tíma og skuldbindur kaupandi sig jafnframt til að greiða færslugjöld skv. sömu gjaldskrá á umsömdum gjalddögum.</string>
<string>2. Með því að samþykkja samning þennan heimilar kaupandi að greiðslukortareikningur hans sé skuldfærður fyrir mánaðarlegum greiðslum, vöxtum og kostnaði samkvæmt framansögðu. Heimild þessi er óafturkallanleg og gildir þar til krafan er að fullu greidd og korthafi fær tilkynningu um uppgreiðslu.</string>
<string>3. Óski korthafi að greiða upp Kortalán fyrir lokagjalddaga skal það gert í samráði við VALITOR og verða eftirstöðvar lánsins skuldfærðar á kortareikning hans.</string>
<string>4. Missi korthafi/kaupandi þann rétt sem greiðslukortið veitir honum og eftirstöðvar skuldarinnar verða ekki skuldfærðar á greiðslukortið, ber kaupanda að greiða umsamdar afborganir á skrifstofu VALITOR, nema honum berist tilkynning um annan greiðslustað. Greiðslutilkynning eða greiðsluseðlar teljast í þessu tilliti nægileg tilkynning.</string>
<string>5. Standi kaupandi ekki í skilum með greiðslu afborgana, vaxta eða annars kostnaðar af samningnum á réttum gjalddögum ber honum að greiða dráttarvexti af hinni vangoldnu fjárhæð, eins og þeir eru ákveðnir af Seðlabanka Íslands á hverjum tíma. Auk dráttarvaxta ber kaupanda að greiða kostnað sem af vanskilunum kann að leiða, skv. gjaldskrá VALITOR, hverju sinni.</string>
<string>6. VALITOR tekur ekki að sér milligöngu eða ábyrgð vegna ágreinings sem rísa kann milli söluaðila og korthafa vegna gæða vöru eða þjónustu sem greitt er fyrir með Kortaláni.</string>
<string>7. VALITOR er heimilt að framselja samning þennan, til fjármögnunaraðila eða söluaðila Kortalánsins.</string>
<string>8. Verði um vanskil að ræða og kaupandi stendur ekki í skilum, verði gert hjá honum árangurslaust fjárnám, leiti hann greiðslustöðvunar eða nauðasamninga, eða ef bú hans verður tekið til gjaldþrotaskipta er VALITOR, eða þeim sem síðar kann að eignast lánssamninginn, heimilt að gjaldfella eftirstöðvar skuldarinnar fyrirvaralaust og senda kröfuna auk dráttarvaxta frá gjaldfellingu og kostnaði sem af vanskilunum kann að leiða í innheimtu hjá lögmanni án frekari viðvörunar.</string>
<string>9. Að öðru leyti en að ofan greinir gilda um viðskipti þessi lög um neytendalán nr. 121/1994. Korthafi hefur kynnt sér rækilega skilmála samnings þessa, þ.m.t. greiðsluáætlun sem hefur að geyma yfirlit yfir afborganir, vexti og kostnað.</string>
<string>10. Með því að staðfesta samninginn og samþykkja skilmála þá sem fram koma um kjör þau sem um samninginn gilda, heimilar korthafi skuldfærslu Kortalánsins á greiðslukortareikning sinn. Athugasemdalaus skuldfærsla á reikning korthafa telst fullt og endanlegt samþykki Kortalánsins.</string>
<string>11. Korthafa ber að prenta út eintak samnings þessa til varðveislu hjá sér og við samþykkt skilmálanna, fær söluaðili og/eða VALITOR samrit samningsins á rafrænu formi.</string>
<string>12. Rísi mál út af samningi þessum má reka það fyrir Héraðsdómi Reykjavíkur, eða á heimilisvarnarþingi korthafa.</string>
</Skilmalar>
<SkilmalarUndirmalslina>Ofangreint Kortalán var staðfest og allir skilmálar þess samþykktir með færslu á vef söluaðila þann 21.8.2012 kl. 16:15. </SkilmalarUndirmalslina>
<UtReikningar>
<Columns>
<Column>
<VisaLanaDalkur>
<nafn>Gjalddagi</nafn>
<tag>System.DateTime</tag>
</VisaLanaDalkur>
<VisaLanaDalkur>
<nafn>Eftirstodvar</nafn>
<tag>System.Int32</tag>
</VisaLanaDalkur>
<VisaLanaDalkur>
<nafn>Afborgun</nafn>
<tag>System.Int32</tag>
</VisaLanaDalkur>
<VisaLanaDalkur>
<nafn>Vextir</nafn>
<tag>System.Int32</tag>
</VisaLanaDalkur>
<VisaLanaDalkur>
<nafn>Faerslugjald</nafn>
<tag>System.Int32</tag>
</VisaLanaDalkur>
<VisaLanaDalkur>
<nafn>SamtalsGreidsla</nafn>
<tag>System.Int32</tag>
</VisaLanaDalkur>
</Column>
</Columns>
<Rows>
<Row>
<VisaLanaRod>
<Gjalddagi>30.9.2012</Gjalddagi>
<EftirStodvar>10325</EftirStodvar>
<Afborgun>3442</Afborgun>
<Vextir>139</Vextir>
<Faerslugjald>320</Faerslugjald>
<SamtalsGreidsla>3901</SamtalsGreidsla>
</VisaLanaRod>
<VisaLanaRod>
<Gjalddagi>31.10.2012</Gjalddagi>
<EftirStodvar>6883</EftirStodvar>
<Afborgun>3442</Afborgun>
<Vextir>71</Vextir>
<Faerslugjald>320</Faerslugjald>
<SamtalsGreidsla>3833</SamtalsGreidsla>
</VisaLanaRod>
<VisaLanaRod>
<Gjalddagi>30.11.2012</Gjalddagi>
<EftirStodvar>3441</EftirStodvar>
<Afborgun>3441</Afborgun>
<Vextir>35</Vextir>
<Faerslugjald>320</Faerslugjald>
<SamtalsGreidsla>3796</SamtalsGreidsla>
</VisaLanaRod>
<VisaLanaRod>
<Gjalddagi>1.1.1</Gjalddagi>
<EftirStodvar>-1</EftirStodvar>
<Afborgun>10325</Afborgun>
<Vextir>245</Vextir>
<Faerslugjald>960</Faerslugjald>
<SamtalsGreidsla>11530</SamtalsGreidsla>
</VisaLanaRod>
</Row>
</Rows>
</UtReikningar>
<VextirBreytilegir>12,30</VextirBreytilegir>
<LanTokuGjald>325</LanTokuGjald>
<LanTokuGjaldProsenta>3,25</LanTokuGjaldProsenta>
<ArlegHlutfallstalaKostnadar>110,182</ArlegHlutfallstalaKostnadar>
<UtgafuDagur/>21.8.2012</UtgafuDagur>
<Soluadili>Fyrirtækjalausnir VALITOR</Soluadili>
<HeimilisfangSoluadila>Laugavegi 77</HeimilisfangSoluadila>
<PostnumerOgStadurSoluadila>101 Reykjavík</PostnumerOgStadurSoluadila>
<SimiSoluadila>5252000</SimiSoluadila>
<Eftirstodvar>10000</Eftirstodvar>
<AaetladurHeildarlantokukostnadur>1530</AaetladurHeildarlantokukostnadur>
<AetludHeildargreidsla>11530</AetludHeildargreidsla>
<NafnKorthafa>Baldur Jónsson</NafnKorthafa>
</VisaLanFaUtreikningOgStofnaVisaLan>
2.2.2.3 - Request for StofnaLan=true
<?xml version="1.0" encoding="utf-8"?> <soap:Envelope xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">
<soap:Body>
<FaUtreikningOgStofnaVisaLan xmlns="VisaWebServices">
<Notandanafn>AbC123</Notandanafn>
<Lykilord>84jkf</Lykilord>
<Samningsnumer>60000</Samningsnumer> <StofnaLan>true</StofnaLan>
<Kennitala>2112683579</Kennitala>
<Kortanumer>415552******6024</Kortanumer>
<Gildistimi>0315</Gildistimi>
<CVV2>123</CVV2>
<Vefverslun>true</Vefverslun>
<SamthykktiSkilmala>true</SamthykktiSkilmala>
<FyrstiGjalddagi>30.9.2012</FyrstiGjalddagi>
<FjoldiGjalddaga>3</FjoldiGjalddaga>
<HofudstollVoru>10000</HofudstollVoru>
<Utborgun>0</Utborgun>
<NafnStarfsmanns></NafnStarfsmanns>
<UpplysingarUmVoru>Reinivél</UpplysingarUmVoru>
<NafnKorthafa>Baldur Jónsson</NafnKorthafa>
<HeimilisfangKorthafa>Blágörðum 22</HeimilisfangKorthafa>
<StadurKorthafa>Reykjavík</StadurKorthafa>
<PostnumerKorthafa>108</PostnumerKorthafa>
<HeimasimiKorthafa>5521968</HeimasimiKorthafa>
<FarsimiKorthafa></FarsimiKorthafa>
<NetfangKorthafa>baldurjonsson@gmail.com</NetfangKorthafa>
<AukaUppl1></AukaUppl1>
<AukaUppl2></AukaUppl2>
<AukaUppl3></AukaUppl3>
</FaUtreikningOgStofnaVisaLan>
</soap:Body>
</soap:Envelope>
2.2.2.4 - Response for StofnaLan=true
<?xml version="1.0" encoding="utf-8"?>
<VisaLanFaUtreikningOgStofnaVisaLan xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="VisaWebServices">
<Villuskilabod />
<Villukodi>0</Villukodi>
<AdgerdTokst>true</AdgerdTokst>
<ID>54322</ID>
<Skilmalar>
<string>1. Korthafi/kaupandi samkvæmt Kortalánasamningi þessum lofar að greiða VALITOR hf. kt. 500683-0589, eða þeim sem síðar kann að eignast samning þennan, ofangreinda fjárhæð með þeim kjörum og afborgunum sem þar getur. Vextir á höfuðstól skuldarinnar reiknast frá útgáfudegi til fyrsta gjalddaga og síðan mánaðarlega eftir það. Vaxtakjör miðast við gjaldskrá VALITOR eins og hún er á hverjum tíma og skuldbindur kaupandi sig jafnframt til að greiða færslugjöld skv. sömu gjaldskrá á umsömdum gjalddögum.</string>
<string>2. Með því að samþykkja samning þennan heimilar kaupandi að greiðslukortareikningur hans sé skuldfærður fyrir mánaðarlegum greiðslum, vöxtum og kostnaði samkvæmt framansögðu. Heimild þessi er óafturkallanleg og gildir þar til krafan er að fullu greidd og korthafi fær tilkynningu um uppgreiðslu.</string>
<string>3. Óski korthafi að greiða upp Kortalán fyrir lokagjalddaga skal það gert í samráði við VALITOR og verða eftirstöðvar lánsins skuldfærðar á kortareikning hans.</string>
<string>4. Missi korthafi/kaupandi þann rétt sem greiðslukortið veitir honum og eftirstöðvar skuldarinnar verða ekki skuldfærðar á greiðslukortið, ber kaupanda að greiða umsamdar afborganir á skrifstofu VALITOR, nema honum berist tilkynning um annan greiðslustað. Greiðslutilkynning eða greiðsluseðlar teljast í þessu tilliti nægileg tilkynning.</string>
<string>5. Standi kaupandi ekki í skilum með greiðslu afborgana, vaxta eða annars kostnaðar af samningnum á réttum gjalddögum ber honum að greiða dráttarvexti af hinni vangoldnu fjárhæð, eins og þeir eru ákveðnir af Seðlabanka Íslands á hverjum tíma. Auk dráttarvaxta ber kaupanda að greiða kostnað sem af vanskilunum kann að leiða, skv. gjaldskrá VALITOR, hverju sinni.</string>
<string>6. VALITOR tekur ekki að sér milligöngu eða ábyrgð vegna ágreinings sem rísa kann milli söluaðila og korthafa vegna gæða vöru eða þjónustu sem greitt er fyrir með Kortaláni.</string>
<string>7. VALITOR er heimilt að framselja samning þennan, til fjármögnunaraðila eða söluaðila Kortalánsins.</string>
<string>8. Verði um vanskil að ræða og kaupandi stendur ekki í skilum, verði gert hjá honum árangurslaust fjárnám, leiti hann greiðslustöðvunar eða nauðasamninga, eða ef bú hans verður tekið til gjaldþrotaskipta er VALITOR, eða þeim sem síðar kann að eignast lánssamninginn, heimilt að gjaldfella eftirstöðvar skuldarinnar fyrirvaralaust og senda kröfuna auk dráttarvaxta frá gjaldfellingu og kostnaði sem af vanskilunum kann að leiða í innheimtu hjá lögmanni án frekari viðvörunar.</string>
<string>9. Að öðru leyti en að ofan greinir gilda um viðskipti þessi lög um neytendalán nr. 121/1994. Korthafi hefur kynnt sér rækilega skilmála samnings þessa, þ.m.t. greiðsluáætlun sem hefur að geyma yfirlit yfir afborganir, vexti og kostnað.</string>
<string>10. Með því að staðfesta samninginn og samþykkja skilmála þá sem fram koma um kjör þau sem um samninginn gilda, heimilar korthafi skuldfærslu Kortalánsins á greiðslukortareikning sinn. Athugasemdalaus skuldfærsla á reikning korthafa telst fullt og endanlegt samþykki Kortalánsins.</string>
<string>11. Korthafa ber að prenta út eintak samnings þessa til varðveislu hjá sér og við samþykkt skilmálanna, fær söluaðili og/eða VALITOR samrit samningsins á rafrænu formi.</string>
<string>12. Rísi mál út af samningi þessum má reka það fyrir Héraðsdómi Reykjavíkur, eða á heimilisvarnarþingi korthafa.</string>
</Skilmalar>
<SkilmalarUndirmalslina>Ofangreint Kortalán var staðfest og allir skilmálar þess samþykktir með færslu á vef söluaðila þann 21.8.2012 kl. 16:15. </SkilmalarUndirmalslina>
<UtReikningar>
<Columns>
<Column>
<VisaLanaDalkur>
<nafn>Gjalddagi</nafn>
<tag>System.DateTime</tag>
</VisaLanaDalkur>
<VisaLanaDalkur>
<nafn>Eftirstodvar</nafn>
<tag>System.Int32</tag>
</VisaLanaDalkur>
<VisaLanaDalkur>
<nafn>Afborgun</nafn>
<tag>System.Int32</tag>
</VisaLanaDalkur>
<VisaLanaDalkur>
<nafn>Vextir</nafn>
<tag>System.Int32</tag>
</VisaLanaDalkur>
<VisaLanaDalkur>
<nafn>Faerslugjald</nafn>
<tag>System.Int32</tag>
</VisaLanaDalkur>
<VisaLanaDalkur>
<nafn>SamtalsGreidsla</nafn>
<tag>System.Int32</tag>
</VisaLanaDalkur>
</Column>
</Columns>
<Rows>
<Row>
<VisaLanaRod>
<Gjalddagi>30.9.2012</Gjalddagi>
<EftirStodvar>10325</EftirStodvar>
<Afborgun>3442</Afborgun>
<Vextir>139</Vextir>
<Faerslugjald>320</Faerslugjald>
<SamtalsGreidsla>3901</SamtalsGreidsla>
</VisaLanaRod>
<VisaLanaRod>
<Gjalddagi>31.10.2012</Gjalddagi>
<EftirStodvar>6883</EftirStodvar>
<Afborgun>3442</Afborgun>
<Vextir>71</Vextir>
<Faerslugjald>320</Faerslugjald>
<SamtalsGreidsla>3833</SamtalsGreidsla>
</VisaLanaRod>
<VisaLanaRod>
<Gjalddagi>30.11.2012</Gjalddagi>
<EftirStodvar>3441</EftirStodvar>
<Afborgun>3441</Afborgun>
<Vextir>35</Vextir>
<Faerslugjald>320</Faerslugjald>
<SamtalsGreidsla>3796</SamtalsGreidsla>
</VisaLanaRod>
<VisaLanaRod>
<Gjalddagi>1.1.1</Gjalddagi>
<EftirStodvar>-1</EftirStodvar>
<Afborgun>10325</Afborgun>
<Vextir>245</Vextir>
<Faerslugjald>960</Faerslugjald>
<SamtalsGreidsla>11530</SamtalsGreidsla>
</VisaLanaRod>
</Row>
</Rows>
</UtReikningar>
<Heimildarnumer>123450</Heimildarnumer>
<VisaLanNumer>060000-000076</VisaLanNumer>
<VextirBreytilegir>12,30</VextirBreytilegir>
<LanTokuGjald>325</LanTokuGjald>
<LanTokuGjaldProsenta>3,25</LanTokuGjaldProsenta>
<ArlegHlutfallstalaKostnadar>110,182</ArlegHlutfallstalaKostnadar>
<UtgafuDagur>21.8.2012</UtgafuDagur>
<Soluadili>Fyrirtækjalausnir VALITOR</Soluadili>
<HeimilisfangSoluadila>Laugavegi 77</HeimilisfangSoluadila>
<PostnumerOgStadurSoluadila>101 Reykjavík</PostnumerOgStadurSoluadila>
<SimiSoluadila>5252000</SimiSoluadila>
<Eftirstodvar>10000</Eftirstodvar>
<AaetladurHeildarlantokukostnadur>1530</AaetladurHeildarlantokukostnadur>
<AetludHeildargreidsla>11530</AetludHeildargreidsla>
<NafnKorthafa>Baldur Jónsson</NafnKorthafa>
</VisaLanFaUtreikningOgStofnaVisaLan>
2.2.2.5 - Response Error
<?xml version="1.0" encoding="utf-8"?>
<VisaLanFaUtreikningOgStofnaVisaLan xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="VisaWebServices">
<Villuskilabod>Villa: Það fékkst ekki heimild á kortið.</Villuskilabod>
<Villukodi>401</Villukodi>
<AdgerdTokst>false</AdgerdTokst>
<LanTokuGjald>0</LanTokuGjald>
<Eftirstodvar>0</Eftirstodvar>
<AaetladurHeildarlantokukostnadur>0</AaetladurHeildarlantokukostnadur>
<AetludHeildargreidsla>0</AetludHeildargreidsla>
</VisaLanFaUtreikningOgStofnaVisaLan>
2.2.3 - Errors
Information on errors that may occur while using this function can be found in Chapter 3.
2.3 - SkilaGreidsluaaetlun
You can get calculations for the Card Loan without registering a card number and see possible outcomes.
2.3.1 - Definitions
2.3.1.1 - Request
| Field | Type | Len. min | Len. max | Usage | Description |
|---|---|---|---|---|---|
| Notandanafn(Username) | AN | 1 | 50 | M | Merchant's username for the webservice |
| Lykilord(Password) | AN | 1 | 50 | M | Merchant's password for the webservice |
| Samningsnumer(Agreement Number) | N | 5 | 5 | M | Merchant's Card Loan agreement number |
| FyrstiAfborgunardagur(First Day Of Payment) | AN | 8 | 10 | M | The day of paymentFormat: DD.MM.YYYYThis date is returned with FaFyrstaAfbDag |
| FjoldiManada(Quantity Of Months) | N | 1 | 2 | M | Quantity of payments |
| Upphaed(Amount) | N | 4 | 7 | M | Price of the product/service |
| Utborgun(Down Payment) | N | 1 | 7 | M | Cardholder's down paymentThis amount is not charged on the cardExample:Price of the product is 100.000 ISK, cardholder pays 40.000 ISK in down payment (not by credit card) so the capital of the Card Loan is 60.000 ISK without borrowing charges |
| Vaxtalaust(Zero Interest Loan) | B | 4 | 5 | M | If there are zero interests then true, else it’s false |
2.3.1.2 - Response
| Field | Type | Len. min | Len. max | Usage | Description |
|---|---|---|---|---|---|
| Villuskilaboð(Error Message) | AN | 1 | 16 | M | Error descriptionWill be empty if error is not present |
| Villukodi(Error Code) | N | 1 | 3 | M | Error CodeSee table 2.3.3 |
| AdgerdTokst(Action successful) | B | 1 | 5 | M | This field is false if an error is present |
| UtgafuDagur(Date Of Issue) | DT | 8 | 10 | M | Date of issue |
| FyrstiGjalddagi(First Due Date) | DT | 8 | 10 | M | First due date |
| Vextir(Interests) | AN | 4 | 5 | M | Interest rate used for the Card Loan |
| Hofudstoll(Capital) | N | 4 | 7 | M | Capital is the price of the product after the deduction of the down payment |
| LanTokuGjald(Borrowing Fee) | N | 3 | 3 | M | Borrowing feePaid by cardholder |
| LanTokuGjaldProsenta(Borrowing Fee Percentage) | AN | 4 | 4 | M | Borrowing fee in % paid by cardholder |
| SamtalsSkuld(Total Loan) | AN | 4 | 7 | M | Capital + borrowing fee |
| SamtalsAfborgun(Total Payments) | N | 4 | 7 | M | Total payments |
| SamtalsVextir(Total Interest Fee) | AN | 4 | 7 | M | Total interest fee |
| SamtalsFaerslugjald(Total Transaction Fee) | N | 4 | 7 | M | Total transaction fee |
| SamtalsGreidsla(Payment Total) | AN | 4 | 7 | M | Payment totalCapital + borrowing fee + interest + transaction fee |
| ArlegHlutfallstalaKostnadar(Annual Percentage Rate) | AN | 4 | 7 | M | Annual percentage rate of cost |
| ArlegHlutfallstalaLeyfilegtHamark(Maximum Annual Percentage Rate Of Cost) | AN | 4 | 7 | M | Maximum annual percentage rate of cost |
| Greidsluaaetlun(Payment Plan) | L | - | - | M | Payment plan based on premisesPlease note that the last row is a summary row |
| Greidsluaaetlun/SoluadiliID (Payment Plan / Merchant ID) | N | 1 | 7 | M | Merchant's ID |
| Greidsluaaetlun/AfborgunNr(Payment Plan / Payment Number) | N | 1 | 2 | M | Payment number |
| Greidsluaaetlun/Gjalddagi(Payment Plan / Due Date) | DT | 8 | 10 | M | Due dateFormat: DD.MM.YYYY |
| Greidsluaaetlun/Eftirstodvar(Payment Plan / Remainings) | N | 1 | 10 | M | Remaining Card Loan amount |
| Greidsluaaetlun/Afborgun(Payment Plan / Instalment) | N | 1 | 10 | M | Single instalment |
| Greidsluaaetlun/Vextir(Payment Plan / Interests) | N | 1 | 10 | M | Amount of interests on a single instalment |
| Greidsluaaetlun/Faerslugjald(Payment Plan / Transaction Fee) | N | 1 | 7 | M | Transaction fee of a single instalment |
| Greidsluaaetlun/Greidsla(Payment Plan / Payment) | N | 1 | 10 | M | Amount paidInstalment + interests + transaction fee |
2.3.2 - Examples
2.3.2.1 - Request
<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/" xmlns:vis="VisaWebServices">
<soapenv:Header/>
<soapenv:Body>
<vis:SkilaGreidsluaaetlun>
<!--Optional:-->
<vis:notandanafn>valitor</vis:notandanafn>
<!--Optional:-->
<vis:lykilord>xxxxxx</vis:lykilord>
<vis:upphaed>150000</vis:upphaed>
<vis:utborgun>0</vis:utborgun>
<vis:fjoldiManada>10</vis:fjoldiManada>
<!--Optional:-->
<vis:fyrstiAfborgunardagur>31.05.2015</vis:fyrstiAfborgunardagur>
<vis:samningsnumer>60000</vis:samningsnumer>
<vis:vaxtalaust>false</vis:vaxtalaust>
</vis:SkilaGreidsluaaetlun>
</soapenv:Body>
</soapenv:Envelope>
2.3.2.2 - Response
<soap:Envelope xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<soap:Body>
<SkilaGreidsluaaetlunResponse xmlns="VisaWebServices">
<SkilaGreidsluaaetlunResult>
<Villuskilabod/>
<Villukodi>0</Villukodi>
<AdgerdTokst>true</AdgerdTokst>
<Utgafudagur>2015-04-30T21:42:37.895625+00:00</Utgafudagur>
<FyrstiGjalddagi>2015-05-31T00:00:00</FyrstiGjalddagi>
<Vextir>12.05</Vextir>
<Hofudstoll>150000</Hofudstoll>
<Lantokugjald>5250</Lantokugjald>
<LantokugjaldProsenta>3.50</LantokugjaldProsenta>
<SamtalsSkuld>155250</SamtalsSkuld>
<SamtalsVextir>8604</SamtalsVextir>
<SamtalsFaerslugjald>3300</SamtalsFaerslugjald>
<SamtalsGreidsla>167154</SamtalsGreidsla>
<ArlegHlutfallstalaKostnadar>27.665</ArlegHlutfallstalaKostnadar>
<ArlegHlutfallstalaLeyfilegtHamark>55.25</ArlegHlutfallstalaLeyfilegtHamark>
<Greidsluaaetlun>
<Greidsluaaetlun>
<SoluadiliID>1</SoluadiliID>
<AfborgunNr>1</AfborgunNr>
<Gjalddagi>31.5.2015</Gjalddagi>
<Eftirstodvar>155250</Eftirstodvar>
<Afborgun>15525</Afborgun>
<Vextir>1589</Vextir>
<Faerslugjald>330</Faerslugjald>
<Greidsla>17444</Greidsla>
</Greidsluaaetlun>
<Greidsluaaetlun>
<SoluadiliID>1</SoluadiliID>
<AfborgunNr>2</AfborgunNr>
<Gjalddagi>30.6.2015</Gjalddagi>
<Eftirstodvar>139725</Eftirstodvar>
<Afborgun>15525</Afborgun>
<Vextir>1403</Vextir>
<Faerslugjald>330</Faerslugjald>
<Greidsla>17258</Greidsla>
</Greidsluaaetlun>
<Greidsluaaetlun>
<SoluadiliID>1</SoluadiliID>
<AfborgunNr>3</AfborgunNr>
<Gjalddagi>31.7.2015</Gjalddagi>
<Eftirstodvar>124200</Eftirstodvar>
<Afborgun>15525</Afborgun>
<Vextir>1247</Vextir>
<Faerslugjald>330</Faerslugjald>
<Greidsla>17102</Greidsla>
</Greidsluaaetlun>
<Greidsluaaetlun>
<SoluadiliID>1</SoluadiliID>
<AfborgunNr>4</AfborgunNr>
<Gjalddagi>31.8.2015</Gjalddagi>
<Eftirstodvar>108675</Eftirstodvar>
<Afborgun>15525</Afborgun>
<Vextir>1091</Vextir>
<Faerslugjald>330</Faerslugjald>
<Greidsla>16946</Greidsla>
</Greidsluaaetlun>
<Greidsluaaetlun>
<SoluadiliID>1</SoluadiliID>
<AfborgunNr>5</AfborgunNr>
<Gjalddagi>30.9.2015</Gjalddagi>
<Eftirstodvar>93150</Eftirstodvar>
<Afborgun>15525</Afborgun>
<Vextir>935</Vextir>
<Faerslugjald>330</Faerslugjald>
<Greidsla>16790</Greidsla>
</Greidsluaaetlun>
<Greidsluaaetlun>
<SoluadiliID>1</SoluadiliID>
<AfborgunNr>6</AfborgunNr>
<Gjalddagi>31.10.2015</Gjalddagi>
<Eftirstodvar>77625</Eftirstodvar>
<Afborgun>15525</Afborgun>
<Vextir>779</Vextir>
<Faerslugjald>330</Faerslugjald>
<Greidsla>16634</Greidsla>
</Greidsluaaetlun>
<Greidsluaaetlun>
<SoluadiliID>1</SoluadiliID>
<AfborgunNr>7</AfborgunNr>
<Gjalddagi>30.11.2015</Gjalddagi>
<Eftirstodvar>62100</Eftirstodvar>
<Afborgun>15525</Afborgun>
<Vextir>624</Vextir>
<Faerslugjald>330</Faerslugjald>
<Greidsla>16479</Greidsla>
</Greidsluaaetlun>
<Greidsluaaetlun>
<SoluadiliID>1</SoluadiliID>
<AfborgunNr>8</AfborgunNr>
<Gjalddagi>31.12.2015</Gjalddagi>
<Eftirstodvar>46575</Eftirstodvar>
<Afborgun>15525</Afborgun>
<Vextir>468</Vextir>
<Faerslugjald>330</Faerslugjald>
<Greidsla>16323</Greidsla>
</Greidsluaaetlun>
<Greidsluaaetlun>
<SoluadiliID>1</SoluadiliID>
<AfborgunNr>9</AfborgunNr>
<Gjalddagi>31.1.2016</Gjalddagi>
<Eftirstodvar>31050</Eftirstodvar>
<Afborgun>15525</Afborgun>
<Vextir>312</Vextir>
<Faerslugjald>330</Faerslugjald>
<Greidsla>16167</Greidsla>
</Greidsluaaetlun>
<Greidsluaaetlun>
<SoluadiliID>1</SoluadiliID>
<AfborgunNr>10</AfborgunNr>
<Gjalddagi>29.2.2016</Gjalddagi>
<Eftirstodvar>15525</Eftirstodvar>
<Afborgun>15525</Afborgun>
<Vextir>156</Vextir>
<Faerslugjald>330</Faerslugjald>
<Greidsla>16011</Greidsla>
</Greidsluaaetlun>
</Greidsluaaetlun>
</SkilaGreidsluaaetlunResult>
</SkilaGreidsluaaetlunResponse>
</soap:Body>
</soap:Envelope>
2.3.3 - Errors
Information on errors that may occur while using this function can be found in Chapter 3.
2.4 - OgildaVisaLan
Calculations of the Card Loan can be obtained based on certain premises if the parameter StofnaLan is false (Note that the last row is sum of the rows).
In this case the Card Loan has not been registered.
2.4.1 - Definitions
2.4.1.1 - Request
| Field | Type | Len. min | Len. max | Usage | Description |
|---|---|---|---|---|---|
| Notandanafn(Username) | AN | 1 | 50 | M | Merchant's username for the webservice |
| Lykilord(Password) | AN | 1 | 50 | M | Merchant's password for the webservice |
| Samningsnumer(Agreement Number) | N | 5 | 5 | M | Merchant's Card Loan agreement number |
| VisaLanNumer(Card Loan Number) | AN | 7 | 13 | M | Card Loan number which is returned with the function FaUtreikningOgStofnaVisaLan in the field VisaLanNumer |
| Kortanumer(Card Number) | N | 16 | 16 | O | The card number used in the Card LoanIf the card number is invalid an error is returned |
2.4.1.2 - Response
| Field | Type | Len. min | Len. max | Usage | Description |
|---|---|---|---|---|---|
| Villuskilaboð(Error Message) | AN | 1 | 16 | M | Error descriptionWill be empty if error is not present |
| Villukodi(Error Code) | N | 1 | 3 | M | Error CodeSee table 2.4.3 |
| AdgerdTokst(Action successful) | B | 1 | 5 | M | This field is false if an error is present |
2.4.2 - Examples
2.4.2.1 - Request
<?xml version="1.0" encoding="utf-8"?>
<soap:Envelope xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">
<soap:Body>
<OgildaVisaLan xmlns="VisaWebServices">
<Notandanafn>AbC123</Notandanafn>
<Lykilord>84jkf</Lykilord>
<Samningsnumer>60000</Samningsnumer> <VisaLanNumer>060000-000076</VisaLanNumer>
<Kortanumer>415552******6024</Kortanumer>
</OgildaVisaLan>
</soap:Body>
</soap:Envelope>
2.4.2.2 - Response
<?xml version="1.0" encoding="utf-8"?>
<VisaLanAfturkallaHeimild xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="VisaWebServices">
<Villuskilabod />
<Villukodi>0</Villukodi>
<AdgerdTokst>true</AdgerdTokst>
</VisaLanAfturkallaHeimild>
2.4.2.3 - Response Error
<?xml version="1.0" encoding="utf-8"?>
<VisaLanAfturkallaHeimild xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="VisaWebServices">
<Villuskilabod>Villa: Þetta bréf er ekki til í gagnagrunninum.</Villuskilabod>
<Villukodi>263</Villukodi>
<AdgerdTokst>false</AdgerdTokst>
</VisaLanAfturkallaHeimild>
2.4.3 - Errors
Information on errors that may occur while using this function can be found in Chapter 3.
2.5 - SkilaUpplysingumUmNeytendalanSemPDF
In order to use this function, you first have to call the function FaUtreikningOgStofnaVisaLan with parameter StofnaLan=false, because it needs to use an ID that comes in response from that function.
The cardholder should not be able to take a card loan without it having been ensured that he has clicked on a link on the merchants website which will return him standardized information on consumer credit (see the Act on Standard Information on Consumer Credit in Section 1.1.
2.5.1 - Definitions
2.5.1.1 - Request
| Field | Type | Len. min | Len. max | Usage | Description |
|---|---|---|---|---|---|
| Notandanafn(Username) | AN | 1 | 50 | M | Merchant's username for the webservice |
| Lykilord(Password) | AN | 1 | 50 | M | Merchant's password for the webservice |
| Samningsnumer(Agreement Number) | N | 5 | 5 | M | Merchant's Card Loan agreement number |
| ID | N | - | - | M | ID returned with the function FaUtreikningOgStofnaVisaLan |
2.5.1.2 - Response
| Field | Type | Len. min | Len. max | Usage | Description |
|---|---|---|---|---|---|
| Villuskilaboð(Error Message) | AN | 1 | 16 | M | Error descriptionWill be empty if error is not present |
| Villukodi(Error Code) | N | 1 | 3 | M | Error CodeSee table 2.5.3 |
| AdgerdTokst(Action successful) | B | 1 | 5 | M | This field is false if an error is present |
| Byte array | - | - | C | Standardized information about commercial loans on PDF format |
2.5.2 - Examples
2.5.2.1 - Request
<?xml version="1.0" encoding="utf-8"?>
<soap:Envelope xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">
<soap:Body>
<SkilaUpplysingumUmNeytendalanSemPDF xmlns="VisaWebServices">
<Notandanafn>AbC123</Notandanafn>
<Lykilord>84jkf</Lykilord>
<Samningsnumer>60000</Samningsnumer> <ID>54322</ID>
</SkilaUpplysingumUmNeytendalanSemPDF>
</soap:Body>
</soap:Envelope>
2.5.2.2 - Response
<?xml version="1.0" encoding="utf-8"?>
<VisaLanPDF xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="VisaWebServices">
<Villuskilabod />
<Villukodi>0</Villukodi>
<AdgerdTokst>true</AdgerdTokst>
<PDF>JVBERi0xLjUNCiW1tbW1DQoxIDAgb2JqDQo8PC9UeXBlL0NhdGFsb2cvU.....KJSVFT0Y=</PDF>
</VisaLanPDF>
2.5.2.2 - Response Error
<?xml version="1.0" encoding="utf-8"?>
<VisaLanPDF xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="VisaWebServices">
<Villuskilabod>Villa: Þetta bréf er ekki til í gagnagrunninum.</Villuskilabod>
<Villukodi>263</Villukodi>
<AdgerdTokst>false</AdgerdTokst>
</VisaLanPDF>
2.5.3 - Errors
Information on errors that may occur while using this function can be found in Chapter 3.
2.6 - SkilaUpplysingumUmNeytendalanSemHTML
In order to use this function, you first have to call the function FaUtreikningOgStofnaVisaLan with parameter StofnaLan=false, because it needs to use an ID that comes in response from that function.
The cardholder should not be able to take a card loan without it having been ensured that he has clicked on a link on the merchants website which will return him standardized information on consumer credit (see the Act on Standard Information on Consumer Credit in Section 1.1.
2.6.1 - Definitions
2.6.1.1 - Request
| Field | Type | Len. min | Len. max | Usage | Description |
|---|---|---|---|---|---|
| Notandanafn(Username) | AN | 1 | 50 | M | Merchant's username for the webservice |
| Lykilord(Password) | AN | 1 | 50 | M | Merchant's password for the webservice |
| Samningsnumer(Agreement Number) | N | 5 | 5 | M | Merchant's Card Loan agreement number |
| ID | N | - | - | M | ID returned with the function FaUtreikningOgStofnaVisaLan |
2.6.1.2 - Response
| Field | Type | Len. min | Len. max | Usage | Description |
|---|---|---|---|---|---|
| Villuskilaboð(Error Message) | AN | 1 | 16 | M | Error descriptionWill be empty if error is not present |
| Villukodi(Error Code) | N | 1 | 3 | M | Error CodeSee table 2.6.3 |
| AdgerdTokst(Action successful) | B | 1 | 5 | M | This field is false if an error is present |
| HTML | AN | - | - | C | Standardized information about commercial loans on HTML format |
2.6.2 - Examples
2.6.2.1 - Request
<?xml version="1.0" encoding="utf-8"?>
<soap:Envelope xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">
<soap:Body>
<SkilaUpplysingumUmNeytendalanSemHTML xmlns="VisaWebServices">
<Notandanafn>AbC123</Notandanafn>
<Lykilord>84jkf</Lykilord>
<Samningsnumer>60000</Samningsnumer> <ID>54322</ID>
</SkilaUpplysingumUmNeytendalanSemHTML>
</soap:Body>
</soap:Envelope>
2.6.2.2 - Response
<?xml version="1.0" encoding="utf-8"?>
<VisaLanHTML xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="VisaWebServices">
<Villuskilabod />
<Villukodi>0</Villukodi>
<AdgerdTokst>true</AdgerdTokst>
<HTML><h2>STAÐLAÐAR UPPLÝSINGAR UM NEYTENDALÁN</h2><table border=1 cellpadding=5 cellspacing=0><tr><th colspan=2 valign=top align=left>1. Upplýsingar um lánveitanda og lánamiðlara.</th></tr><tr><td valign=top align=left>Dagsetning.</td><td valign=top align=left>8.11.2013</td></tr> ... <tr><td valign=top align=left>Tilvist kerfis fyrir kvartanir og úrlausn mála utan réttar og aðgangur að því.</td><td valign=top align=left>Auk dómstólaleiðar getur korthafi skotið ágreiningi er varðar fjárhagslegar kröfur og einkaréttarlega hagsmuni tengda neytendalánum til úrskurðanefndar um viðskipti við fjármálafyrirtæki.</td></tr></table></HTML>
</VisaLanHTML>
2.6.2.3 - Response Error
<?xml version="1.0" encoding="utf-8"?>
<VisaLanHTML xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="VisaWebServices">
<Villuskilabod>Villa: Þetta bréf er ekki til í gagnagrunninum.</Villuskilabod>
<Villukodi>263</Villukodi>
<AdgerdTokst>false</AdgerdTokst>
</VisaLanHTML>
2.6.3 - Errors
Information on errors that may occur while using this function can be found in Chapter 3.
2.7 - SkilaKortalanasamningiSemPDF
In order to use this function, the function FaUtreikningOgStofnaVisaLan must first be called, because it is necessary to use an ID that comes as a response from that function.
If the function FaUtreikningOgStofnaVisaLan has not yet been called with StofnaLan=true but only StofnaLan=false, then the draft is returned.
2.7.1 - Skilgreiningar
2.7.1.1 - Request
| Field | Type | Len. min | Len. max | Usage | Description |
|---|---|---|---|---|---|
| Notandanafn(Username) | AN | 1 | 50 | M | Merchant's username for the webservice |
| Lykilord(Password) | AN | 1 | 50 | M | Merchant's password for the webservice |
| Samningsnumer(Agreement Number) | N | 5 | 5 | M | Merchant's Card Loan agreement number |
| ID | N | - | - | M | ID returned with the function FaUtreikningOgStofnaVisaLan |
2.7.1.2 - Response
| Field | Type | Len. min | Len. max | Usage | Description |
|---|---|---|---|---|---|
| Villuskilaboð(Error Message) | AN | 1 | 16 | M | Error descriptionWill be empty if error is not present |
| Villukodi(Error Code) | N | 1 | 3 | M | Error CodeSee table 2.7.3 |
| AdgerdTokst(Action successful) | B | 1 | 5 | M | This field is false if an error is present |
| Byte array | - | - | C | Card Loan agreement on PDF format |
2.7.2 - Examples
2.7.2.1 - Request
<?xml version="1.0" encoding="utf-8"?>
<soap:Envelope xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">
<soap:Body>
<SkilaKortalanasamningiSemPDF xmlns="VisaWebServices">
<Notandanafn>AbC123</Notandanafn>
<Lykilord>84jkf</Lykilord>
<Samningsnumer>60000</Samningsnumer> <ID>54322</ID>
</SkilaKortalanasamningiSemPDF>
</soap:Body>
</soap:Envelope>
2.7.2.2 - Response
<?xml version="1.0" encoding="utf-8"?>
<VisaLanPDF xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="VisaWebServices">
<Villuskilabod />
<Villukodi>0</Villukodi>
<AdgerdTokst>true</AdgerdTokst>
<PDF>JVBERi0xLjUNCiW1tbW1DQoxIDAgb2JqDQo8PC9UeXBlL0NhdGFsb2cvU.....KJSVFT0Y=</PDF>
</VisaLanPDF>
2.7.2.3 - Response Error
<?xml version="1.0" encoding="utf-8"?>
<VisaLanPDF xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="VisaWebServices">
<Villuskilabod>Villa: Þetta bréf er ekki til í gagnagrunninum.</Villuskilabod>
<Villukodi>263</Villukodi>
<AdgerdTokst>false</AdgerdTokst>
</VisaLanPDF>
2.7.3 - Errors
Information on errors that may occur while using this function can be found in Chapter 3.
2.8 - UndirritaKortalanPDF
In order to use this function, the function FaUtreikningOgStofnaVisaLan must be called first, it is necessary to use an ID that comes as a response from that function.
2.8.1 - Definitions
2.8.1.1 - Request
| Field | Type | Len. min | Len. max | Usage | Description |
|---|---|---|---|---|---|
| Notandanafn(Username) | AN | 1 | 50 | M | Merchant's username for the webservice |
| Lykilord(Password) | AN | 1 | 50 | M | Merchant's password for the webservice |
| Samningsnumer(Agreement Number) | N | 5 | 5 | M | Merchant's Card Loan agreement number |
| ID | N | - | - | M | ID returned with the function FaUtreikningOgStofnaVisaLan |
| Simanumer(Phone Number) | N | - | - | M | Phone number used for electronic signature |
2.8.1.2 - Response
| Field | Type | Len. min | Len. max | Usage | Description |
|---|---|---|---|---|---|
| Villuskilaboð(Error Message) | AN | 1 | 16 | M | Error descriptionWill be empty if error is not present |
| Villukodi(Error Code) | N | 1 | 3 | M | Error CodeSee table 2.8.3 |
| AdgerdTokst(Action successful) | B | 1 | 5 | M | This field is false if an error is present |
| Byte array | - | - | C | Signed Card Loan agreement returned as PDF document |
2.8.2 - Examples
2.8.2.1 - Request
<?xml version="1.0" encoding="utf-8"?>
<soap:Envelope xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">
<soap:Body>
<UndirritaKortalanPDF xmlns="VisaWebServices">
<Notandanafn>AbC123</Notandanafn>
<Lykilord>84jkf</Lykilord>
<Samningsnumer>60000</Samningsnumer> <ID>54322</ID>
<Simanumer>8601234</Simanumer>
</UndirritaKortalanPDF>
</soap:Body>
</soap:Envelope>
2.8.2.2 - Response
<?xml version="1.0" encoding="utf-8"?>
<VisaLanPDF xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="VisaWebServices">
<Villuskilabod />
<Villukodi>0</Villukodi>
<AdgerdTokst>true</AdgerdTokst>
<PDF>JVBERi0xLjUNCiW1tbW1DQoxIDAgb2JqDQo8PC9UeXBlL0NhdGFsb2cvU.....KJSVFT0Y=</PDF>
</VisaLanPDF>
2.8.2.3 - Response Error
<?xml version="1.0" encoding="utf-8"?>
<VisaLanPDF xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="VisaWebServices">
<Villuskilabod>Villa: Þetta bréf er ekki til í gagnagrunninum.</Villuskilabod>
<Villukodi>263</Villukodi>
<AdgerdTokst>false</AdgerdTokst>
</VisaLanPDF>
2.8.3 - Errors
Information on errors that may occur while using this function can be found in Chapter 3.