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Integration

Of Buckaroo Credit Management

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Buckaroo Credit Management helps automate the registration and management of invoices through the Buckaroo Payment Engine. It provides a comprehensive system to handle unpaid invoices by sending reminders and, if necessary, transferring the invoice to a collection agency. The service also allows for generating various reports.


Integration Steps

  1. Registering an Invoice
    • Invoices are registered in the Buckaroo Payment Engine. If an invoice remains unpaid past its due date, the system can automatically send reminders or escalate the invoice to a collection agency.
  2. Testing Credit Management
    • By default, test invoices do not perform any Credit Management (CM) steps, including sending payment invitations. To test the CM flow, create an invoice with a description starting with "buckarooschema_test". Example: buckaroo_schema_test_Invoice123.
    • In Buckaroo Plaza, navigate to Credit Management -> Invoices, select your invoice, and trigger the next step by clicking Actions at the top right. Note: You need the Technical Administrator role for this.
  3. Workflow
    • General Flow: When an invoice’s due date expires, steps in its schedule are executed in order. Each step may involve sending a reminder or transferring the invoice to a collection agency.
    • Reminders: Default and custom schedules/templates are available. Merchants can set the maximum number of steps for an invoice’s scheme, such as including or excluding the final transfer to a collection agency.
  4. Refunds & Credit Notes
    • Creating an invoice indicates the debtor owes the merchant. A (partial) refund on a paid invoice reopens it, triggering reminders. To avoid this, create a credit note before issuing a refund.
  5. Additional Transactions
    • Additional transactions can be added to an existing invoice using the same invoice number. This is useful for external payments or retrying failed transactions but not for creating payment plans.
  6. Credit Management Schemes
    • Schemes: Define actions for invoices. Schemes are available under Credit Management -> CM scheme settings.
    • Default Schemes: Predefined schemes like DefaultCM1 send reminders and may transfer the invoice to a collection agency. DefaultNone allows invoice creation without follow-up actions.
    • Custom Schemes: Merchants can create custom schemes by duplicating existing ones and modifying them. Each scheme consists of steps with actions such as sending reminders or adding admin costs.
  7. Schema Actions
    • Reminder: Sends a reminder to the debtor. Different communication methods (e.g., email, SMS) and fallback options are available.
    • Admin Cost Increase: Adds admin costs to the invoice.
    • Transfer to Collection Agency: Transfers the invoice to a selected or preferred collection agency.
    • Threshold: Halts actions if the invoice amount is below a specified threshold.
    • Payment Invitation: Sends a payment reminder on the invoice date.
    • Stop Subscription: Stops the subscription associated with the invoice.
    • Modifying Schemes: Changes only affect new invoices. Prior versions are retained for existing invoices.
  8. Templates
    • Templates define the content of messages and can be customized for different communication methods. They are managed in the Template Editor under Configuration -> Templates.
    • Tags: Used to make message content dynamic (e.g., debtor’s name, invoice amount).
  9. Invoice Push Notifications
    • Push notifications are sent for invoice events (creation, reminders, payments, etc.). The system uses JSON format for these notifications.
    • Invoice Push vs. Transaction Push: Invoice push provides a clear status of the invoice, reducing errors compared to transaction push.
    • Order of Events: Use EventDateTime to handle pushes in the correct order.
  10. Service Codes and Actions
    • Service Code: CreditManagement3
    • Actions Supported:
      • CreateInvoice: Creates an invoice with Credit Management.
      • CreateCombinedInvoice: Creates an invoice with Credit Management and a primary service’s transaction.
      • CreateCreditNote: Creates a credit note for an invoice.
      • AddOrUpdateDebtor: Adds or updates debtor information.
      • CreatePaymentPlan: Sets up a payment plan for installments.
      • TerminatePaymentPlan: Ends a payment plan.
      • PauseInvoice: Pauses an invoice.
      • UnpauseInvoice: Resumes a paused invoice.

API Endpoints


By following these guidelines, you can effectively integrate and utilize Buckaroo Credit Management for automated and efficient invoice and transaction management.

Updated about 2 months ago