Aktia online payment Instructions for use and record description

Transcription

1 Instructions for use and record description , version 1.71

2 Table of Contents 1. Aktia online payment Agreement The name and logo of the service Security Changing and storing the checksum key Functional description Service progress Record descriptions Aktia online payment, fields of the FORM form Aktia online payment, FORM form in HTML format Payment version Payment ID Seller's ID Seller's account Seller's name Payment language Payment amount Currency Payment reference number Payment due date Payment message Return link Cancel link Rejected link Payment checksum Payment confirmation Key version Encoding of HTTPS-queries Testing... 9

3 7. Implementation Aktia online payment query function Service description Service agreement on query functions Aktia online payment record descriptions Information submitted by the seller Aktia online payment response message information Testing Aktia online payment refund function Service agreement on refund function Aktia online payment refund record descriptions Information submitted by the seller Response message information of Aktia online payment refund Testing Guidance... 18

4 1 1. Aktia online payment With Aktia online payment, customers can pay for products they have bought online effortlessly and safely. These instructions support sellers in implementing the service. The instructions contain the implementation requirements and the record descriptions for building the system. Implementation requires that the company's system has the ability to generate an e- invoice using WWW technology as well as information required by Aktia online payment. The seller will be notified of the customer's payment immediately after a verification of a successful payment has been added to the return message. The use of verification is required by the service terms and conditions. The seller may check the payment from their next account statement or an electronic list of transactions. Account statements and electronic lists of transactions will be formed in accordance with the customer agreement. Aktia online payment address is Aktia online payment is available 24/7. 2. Agreement The service provider shall enter into a written agreement with the bank on the use of Aktia online payment. The service provider's information will be registered at the bank and the contact person referred to in the agreement will be sent the second part of the checksum Key in a safe manner to be agreed separately. The first part of the checksum Key will be printed on the agreement. The service provider must inform their branch of the bank of any changes to their service or information. When needed, the branch will revise the agreement with the changed information. 2.1 The name and logo of the service Names Aktia verkkomaksu or Aktia nätbetalning may be used for the bank's online payment service. Other names may not be used. The seller company shall copy the logo onto their own server from The size and colours of the logo may not be changed. The logo/name may not be transferred or used for any other purpose than those agreed in the Aktia online payment agreement. On termination of the agreement, the service provider must without delay delete the Aktia online payment's logo/name from its website.

5 2 3. Security SSL encryption protocol is used in data communications between the online payment parties to ensure that the information cannot be seen or modified by outsiders. The service provider's server software must support 256-bit SSL encryption. Data communications encryption secures messages between the bank and the customer and prevents them being read or revised by unauthorised parties. Each party shall be liable for securing their own services and the accuracy of the information stored by them. The users of the service shall be liable for ensuring that their online banking IDs are not disclosed to outsiders and that the access codes are given only to the computer used for Aktia online payment. 3.1 Changing and storing the checksum key The checksum key will be valid for two years starting from the moment it is used the first time. The second part of the checksum key will be sent to the customer when the key in use has 60 days of validity left. The checksum key will be delivered to the contact person referred to in the agreement. At the same time, the contact person will receive information about the version number of the new key as well as the date when it enters into force. Checksums will be calculated based on the key in question starting from this date. In order to ensure flexible change of keys, the service provider's system must enable the entering of the new key in advance, in other words, the simultaneous use of two checksum keys. At the time of the change, for approximately 15 minutes, it is possible that some of the checksums received by the service providers are calculated with the old key while some are calculated with the new key. When the new checksum key has been successfully used, the old key may be removed or its use blocked in the service provider's system. The service provider must store the MAC checksum key carefully, safe from unauthorised use.

6 3 4. Functional description 4.1 Service progress Aktia User (Käyttäjä) Service provider (Palveluntarjoaja) 1. The user selects the online payment service provider 2. The service provider transfers the online payment request to Aktia 3. The user is asked to identify themselves 4. The user enters the identification information 5. The service generates a form for giving payment information 6. The user selects the account to be charged and confirms the payment 7. The service displays the information for approved payment 8. The service takes the user back to the service provider's service 9. The service provider will transfer an online payment

7 4 query to Aktia 10. The service will provide information about the status of the online payment Figure 1: A graph presenting the service sequence Graph key 1. The user has the need to pay for her purchases. The user selects Aktia online payment button in the service provider's service. 2. The service provider transfers the user's online payment request to Aktia The online payment request contains the information about the service provider and the transaction required by the online payment service. Aktia will check the integrity of the request, accuracy of the information and the service provider's online payment agreement. 3. If the payment request received from the service provider is error-free, Aktia will send an identification request to the customer. Aktia will display an error message to the user if errors are detected in the identifier request. If they so wish, users may interrupt identification and return to service provider's service. 4. The users identify themselves with Aktia's online banking IDs. An error message will be displayed to the user if identification fails. 5. After successful identification and verification, Aktia will generate the invoice. The invoice information will be displayed to the user. The user selects the account to be charged. The available accounts are the same as for normal online invoice payment. 6. The user approves the payment with a confirmation code. 7. Aktia will again display the payment information to the user as a sign of approved payment. 8. Aktia will return the user to the service provider's online service. 9. The service provider will provide Aktia with individualising information for the online payment request. 10. Aktia will provide information about the status of the payment. 5. Record descriptions 5.1 Aktia online payment, fields of the FORM form Information Name of information INPUT NAME= Example Format AN=alpha numerical A=alphabetical N=numerical U=URL allowed C=Compulsory O=Optional

8 5 characters 1. Payment version NET_VERSION 010 N 3 P 2. Payment ID NET_STAMP AN 20 P 3. Seller's ID NET_SELLER_ID AN 17 P 4. Seller's account NET_SELLER_ACC Not used 5. Seller's name NET_NAME Not used 6. Payment language NET_LANG Not used 7. Payment amount NET_AMOUNT 12345,67 AN 9 P 8. Currency NET_CUR EUR A 3 P 9. Payment reference NET_REF N 20 P number 10. Payment due date NET_DATE EXPRESS AN 10 P 11. Payment message NET_MSG AN 210 V 12. Return link NET_RETURN U 255 P 13. Cancel link NET_CANCEL U 255 P 14. Rejected link NET_REJECT U 255 P 15. Payment NET_CONFIRM YES or NO A 3 P confirmation 16 Algorithm NET_ALG Only one N 2 P supported is 03 = SHA Key version NET_KEYVERS 0001 N4 P 18. Payment checksum NET_MAC AN 64 P 5.2 Aktia online payment, FORM form in HTML format <form METHOD="POST" ACTION=" <input type="hidden" name="net_version" value="..."/> <input type="hidden" name="net_stamp" value="..."/> <input type="hidden" name="net_seller_id" value="..."/> <input type="hidden" name="net_amount" value="..."/> <input type="hidden" name="net_cur" value="..."/> <input type="hidden" name="net_ref" value="..."/> <input type="hidden" name="net_date" value="..."/> <input type="hidden" name="net_msg" value="..."/> <input type="hidden" name="net_return" value="..."/> <input type="hidden" name="net_cancel" value="..."/> <input type="hidden" name="net_reject" value="..."/> <input type="hidden" name="net_confirm" value="..."/> <input type="hidden" name="net_alg" value="..."/> <input type="hidden" name="net_keyvers" value="..."/> <input type="hidden" name="net_mac" value="..."/> </form> 5.3 Payment version The supported version is Payment ID The seller will give an individualising ID to the payment to ensure that the payment is not generated more than once.

9 6 5.5 Seller's ID The recipient's account number and name are determined on the payment form based on the ID. The ID has been marked in the section Service ID and Checksum in the agreement form drawn up with the bank. The ID is a character string without any punctuation marks. For example, the service ID may be and the checksum 123, making the seller's ID Seller's account Feature is not in use. 5.7 Seller's name Feature is not in use. 5.8 Payment language Feature is not in use. 5.9 Payment amount The payment amount cannot be higher than EUR 20, or lower than EUR The amount must be given without thousand separators. Decimal separators are compulsory and commas are used as decimal separators. The payment amount is always presented with two decimals Currency EUR 5.11 Payment reference number The normal reference number in payments. Supported formats are Finnish reference numbers and RF reference numbers Payment due date Only IMMEDIATELY payments are possible, the value is EXPRESS Payment message If desired, information individualising the payment can be included in the customer's payment form's message field. Up to 35 characters on six rows can be used Return link Page of the sales site, to which the customer returns after successful payment. The return link sent from the sales site may, for example, be in format If the value of the field NET_CONFIRM is NO, no parameters are added to the return link. If the value of the field NET_CONFIRM is YES the following parameters are added to the return link: ET_RETURN_STAMP= &NET_RETURN_REF=1232&NET_RETURN_PAID=140

10 I40011&NET_KEYVERS=0001&NET_RETURN_MAC=4F7238D83AAE84AF6E1D 30073DEE064DD102D3A9B93A421A243CAA6E6B0A0CDA. Tieto Tiedon nimi INPUT NAME= Esimerkki 1 Maksun versio NET_RETURN_VE 010 RSION 2 Algoritmi NET_ALG Ainoa tuettu on 03 = SHA256 3 Maksun tunnus NET_RETURN_ST AMP 4 Maksun viite NET_RETURN_RE F Muoto AN=alfanumeerinen A=aakkosellinen N=numeerinen U=URL sallitut merkit N 2 AN 20 N 20 P=Pakollinen V=Valinnainen P P P 5 Tapahtuman yksilöivä tunniste pankin järjestelmässä NET_RETURN_PAI D 6 Avaimen versio NET_KEYVERS 0001 N4 P 7 Maksun tarkiste NET_RETURN_MA AN 64 P C MAC-calculation of the return link is described in section 5.18 Payment confirmation Cancel link Page of the sales site, to which the customer is taken in case she interrupts the payment function in Aktia online payment Rejected link The page of the sales site to which the customer is taken in case the payment is rejected by Aktia online payment Payment checksum SHA256 algorithm The payment checksum is calculated using SHA256 algorithm so that first, a character string is formed from the following information fields in this order: NET_VERSION& NET_STAMP& NET_SELLER_ID& NET_AMOUNT& NET_REF& NET_DATE& NET_CUR& NET_RETURN& NET_CANCEL& NET_REJECT&

11 8 NET_ALG& NET_KEYVERS& checksum key& The Checksum key has two parts. The first part is given to the customer on the service agreement form. The second part will be delivered in a separately agreed safe manner to the recipient of the second part of the key. Checksum key is 64 characters long and it is used only in the calculation of the payment checksum. The character string may not have empty characters and ampersand signs ( & ) are included in the calculation. For example, for a character string 010& & &1,20&12344&EXPRESS&EUR& auppa.fi/shop?action=nayta_vastaus&item= & op?action=maksussa_virhe&item= & ON=ERROR&ITEM= &03&0001& & the calculation result is F5D1309E89DF590F7324A3F C3DB1C6F8BB7E52A443A The checksum key is in hexadecimal format. Always use upper case letters Payment confirmation If the value of the NET_CONFIRM field is YES, the seller will be notified of the processing of the payment in a return link. MAC checksum is used in the formation of the return link, which gives the seller the opportunity to verify successful payment in Aktia online payment. The seller must also perform a separate account transaction query. However, the seller will obtain complete certainty about successful payment from the account statement or reference transfer materials. When the value is YES, the information listed in the following section will be added to the end of the return link. SHA256 algorithm NET_RETURN_VERSION 010 NET_RETURN_STAMP ID individualising the payment NET_RETURN_REF The original reference number of the payment NET_RETURN_PAID Identifier individualising the transaction in the bank's system NET_ALG 03, algorithm NET_KEYVERS Key version NET_RETURN_MAC Return information checksum NET_RETURN_PAID is AN -format information with maximum length of 20 characters. NET_RETURN_MAC is calculated as the hash value described in section 5.14: NET_RETURN_VERSION& NET_ALG& NET_RETURN_STAMP& NET_RETURN_REF&

12 9 NET_RETURN_PAID& NET_KEYVERS& Checksum key& A hash value will be calculated from the character string using the SHA256 algorithm, which is converted into hexadecimal 64-character format. The character string may not have empty characters and ampersand signs ( & ) are included in the calculation. For example, for a character string 010&03& &123& I11234&0001& after hexadecimal conversion the result of calculation is EEEA66A9E8FC487A15D9F420AA7A7ECEE0D74637BE27E39E3CDE6AA214A501D Key version The key will be valid for two years starting from the moment it is used for the first time. The second part of the checksum key will be sent to the customer when the key in use has 60 days of validity left Encoding of HTTPS-queries HTTPS-queries must be UTF-8 encoded. 6. Testing The service implementation date will be settled in conjunction with the signing of the agreement. Service providers have the opportunity to test the service in the production environment using test IDs before signing the agreement. Testing must include information fields NET_RETURN, NET_CANCEL and NET_REJECT. The web address is used for the testing. If the customer cancels the payment, the link information will be transferred according NET_CANCEL information field and if the payment is postponed according to NET_REJECT information field.. The following agreement information is used in the testing: Seller's ID Customer's name Checksum key Test online shop The key version is 0001.

13 10 The following customer is used in testing: Customer's ID Customer's name Social security number Password Security number Tero Testaaja R Fields with errors will be displayed as they are to test users, there are separate pages dedicated to error situations occurring during production. 7. Implementation The service may be taken into use on the implementation date indicated in the agreement. 8. Aktia online payment query function Aktia online payment query is a system for all corporate customers, who use Aktia online payment on their website. The service enables companies to make queries on transactions made using Aktia online payment. The system is used to make queries from online shops on transactions that, for some reason, have failed during payment. In other words, information about the success or failure of a payment does not reach the company's online shopping system. With the service online shops can ensure they receive the payment information without delay. This way an online shop may, based on a successful payment, offer their online customers the service or product which the customer has paid for online immediately. The use of the query functionality is required by the service terms and conditions. 8.1 Service description The customer will be redirected to the online shop from the successful payment confirmation page or then the Aktia online payment system transfers the customer directly to the online shop. Simultaneously with the transfer, the online shop will receive information about the success of payment and the online shop can provide its customer with the product/service immediately. If transfer does not happen (the customer behaves in an unforeseen way,, there is a malfunction in the system or the data system), information about successful payment will not be transferred to the online shop. The company has built a transaction query into the system, which is launched automatically or can be launched manually, when the transaction does return to the online shop. The query is performed so that the online shop ID works as ID towards Aktia (in the same way as transferring from the online shop to Aktia online payment). The online shop will provide the individualising information required about the payment so that the payment can be found reliably and sent back to the online shop Service agreement on query functions

14 11 Agreement on the service is automatically made when a written agreement on the implementation of Aktia online payment is made between Aktia and the seller. 8.3 Aktia online payment record descriptions The seller company will build their own query system. The web address of Aktia online payment query function is Aktia online payment is available 24/ Information submitted by the seller Name of Format P/V Information information INPUT NAME= Example 1. Payment version NET_VERSION 010 N 3 P 2. Seller's ID NET_SELLER_ID AN 17 P 3. Payment ID NET_STAMP ID of the original payment given by the seller AN Reference number individualising the payment queried after NET_REF Standard reference number N Return address NET_RETURN Address of return U255 P link 6 Algorithm NET_ALG Only one supported N 2 P is 03 = SHA Key version NET_KEYVERS For example, N4 P Payment checksum NET_MAC AN64 P Either the payment ID or reference number is compulsory Either the payment ID or reference number is compulsory Either the payment ID or reference number must be given. If both are given, they must match. SHA256 algorithm The payment checksum is calculated using SHA256 algorithm so that first, a character string is formed from the following information fields in this order: NET_VERSION& NET_SELLER_ID& NET_STAMP& NET_REF& NET_ALG& NET_KEYVERS& Checksum key& Checksum key has two parts. The first part is given to the customer on the service agreement form. The second part will be delivered electronically to the recipient of the second part of the key. Optional fields will be included only if they are present. The character string may not have empty characters and ampersand signs ( & ) are included in the calculation. A hash value will

15 12 be calculated from the character string using SHA256 algorithm, which is converted into hexadecimal 64-character format with capital letters. The character string may not have empty characters and ampersand signs ( & ) are included in the calculation. For example, for a character string 010& & &12344&03&0001& & calculation result is D2D22D20D4C1AF2FA0F70E5EE3E2862D6CDA171C5A62C AE482218A Aktia online payment response message information The response will be given as HTTP 302 response in the location field of the response. In Error and Not found situations, only NET RESPCODE is returned (no checksum key included). Information Name of information INPUT NAME= Example Format 1. Query version NET_VERSION 010 N 3 P 2. Seller's ID NET_SELLER_ID AN 17 P 3. Return NET_RESPCODE OK : Payment is found and it is A 8 P information approved NOTFOUND : Payment was not found ERROR : Something unclear about the payment or other error in query information or some other error 4. Payment ID NET_STAMP AN 20 V 5. Payment NET_REF N 20 V reference number 6. Payment date NET_DATE In yyyymmdd format N 10 V 7. Payment NET_AMOUNT 12345,67 AN 9 V amount 8. Currency NET_CUR EUR A 3 V 9. Archive identifier NET_PAID Archive identifier of the bank AN 20 V of the payment 1 Algorithm NET_ALG Only one supported is 03 = N 2 P 0. SHA256 1 Key version NET_KEYVERS For example, 0001 N4 P Query checksum Example response NET_RETURN_MAC AN 64 P HTTP/ Moved Temporarily X-Cnection: close Date: Thu, 28 Aug :31:42 GMT Location: R&NET_REF=1232&NET_DATE= &NET_SELLER_ID= &NET_ALG=03&NET_AMOUN T=0,01&NET_RESPCODE=OK&NET_PAID= I58067&NET_STAMP= &NET_VERSI P/V

16 13 ON=010&NET_KEYVERS=0001&NET_RETURN_MAC=B6922F1FC5E25DC49BEA7743C0BBCA792E25895E D01A05EB15570F29 Strict-Transport-Security: max-age= X-XSS-Protection: 1; mode=block Set-Cookie: TS569980=5932ee5aca362b235e9921fe178ec522f0944fa8a2350f5553feccce; Path=/; Secure; HTTPOnly Transfer-Encoding: chunked Aktia online payment query, FORM form in HTML format <form METHOD="GET" ACTION=" <input type="hidden" name="net_version" value="..."/> <input type="hidden" name="net_stamp" value="..."/> <input type="hidden" name="net_seller_id" value="..."/> <input type="hidden" name="net_ref" value="..."/> <input type="hidden" name="net_return" value="..."/> <input type="hidden" name="net_alg" value="..."/> <input type="hidden" name="net_keyvers" value="..."/> <input type="hidden" name="net_mac" value="..."/> </form> SHA256 algorithm The query answer checksum is calculated using SHA256 algorithm so that first, a character string is formed from the following information fields in this order: NET_VERSION& NET_SELLER_ID& NET_RESPCODE& NET_STAMP& NET_REF& NET_DATE& NET_AMOUNT& NET_CUR& NET_PAID& NET_ALG& NET_KEYVERS& Checksum key& A hash value will be calculated from the character string using SHA256 algorithm, which is converted into hexadecimal 64-character format using capital letters. Optional fields will be included only if they are present. For example, for a character string 010& &NOTFOUND&122323&12344&03&0001& & after hexadecimal conversion, the result of calculation is: 7CC2CC6D045C06AC5B7F5B3BD DB0B35394B81B8FDAA59DD01F0AD 8.4 Testing Service providers have the opportunity to test the service in the production environment using test IDs before signing the agreement.

17 14 The field NET_RETURN must be included when testing. The test address to be used in testing is The following agreement information should be used in the testing: Seller's ID Customer's name Checksum key Testiverkkokaup pa The key version is 0001 The following data is used in testing: Payment ID Reference number In query either both or only one of these values can be given. If either payment ID or reference number is given and they don't match with these values, then a NOT_FOUND response is returned. Hardcoded values are returned if the query succeeds. In the return data the payment date is always current date minus 14 days. 9. Aktia online payment refund function Aktia online payment refund is a system for those corporate customers, who use Aktia online payment on their website. The service enables companies to make refunds on transactions made using Aktia online payment.. The aim of the system is to provide online shops with an opportunity to refund transactions for whatever reason to their customers. The amount refunded may be the same or smaller than the original payment but it cannot be larger than the original payment. Only one refund may be linked to any one transaction. The refund function may be used up to 90 days after the original payment. 9.1 Service agreement on refund function The company will sign a written agreement with the bank on the implementation of the service. 9.2 Aktia online payment refund record descriptions The company will build their own refund system. The web address of Aktia online payment refund function is Aktia online payment is available 24/7. HTTPS queries must be UTF-8 encoded.

18 Information submitted by the seller Information Name of information INPUT NAME= Example Format P/V 1. Refund version NET_VERSION 010 N3 P 2. Seller's ID NET_SELLER_ID AN17 P 3. Refund payment ID NET_STAMP AN20 P 4. Refund payment reference number NET_REF N20 P 5. Amount refunded NET_AMOUNT 12345,67 AN9 P 6. Currency NET_CUR EUR A3 P 7. Refund payment message NET_MSG AN210 V 8. ID of the original payment NET_STAMP_ORG AN20 P 9. Reference number of the original payment NET_REF_ORG N20 P 10. Return link address NET_RETURN U160 P 11. Algorithm NET_ALG Only one supported is 03 = SHA256 N 2 P 12. Key version NET_KEYVERS For example, 0001 N4 P 13. Payment checksum NET_MAC AN64 P SHA256 algorithm The checksum is calculated using the SHA256 algorithm so that first, a character string is formed from the information fields included in the calculation in this order: NET_VERSION& NET_SELLER_ID& NET_STAMP& NET_REF& NET_AMOUNT& NET_CUR& NET_STAMP_ORG& NET_REF_ORG& NET_RETURN& NET_ALG& NET_KEYVERS& Checksum key&

19 16 Checksum key has 64 characters. The character string may not have empty characters and ampersand signs ( & ) are included in the calculation. A hash value will be calculated from the character string using SHA256 algorithm, which is converted into hexadecimal 64-character format using capital letters. For example, for a character string 010& & &12344&1,20&EUR& &12344& a/palautus?action=paluu&03&0001& & after hexadecimal conversion the result of calculation is: B340667BE368F7AD520B3C834A396C27FCFC9AB4B8778FF9D2C3F2BF1EE2BB7D Aktia online payment refund, FORM form in HTML format <form METHOD="POST" ACTION=" <input type="hidden" name="net_version" value="<%..."/> <input type="hidden" name="net_seller_id" value="..."/> <input type="hidden" name="net_stamp" value="..."/> <input type="hidden" name="net_ref" value="..."/> <input type="hidden" name="net_amount" value="..."/> <input type="hidden" name="net_cur" value="..."/> <input type="hidden" name="net_msg" value="..."/> <input type="hidden" name="net_stamp_org" value="..."/> <input type="hidden" name="net_ref_org" value="..."/> <input type="hidden" name="net_return" value="..."/> <input type="hidden" name="net_alg" value="..."/> <input type="hidden" name="net_keyvers" value="..."/> <input type="hidden" name="net_mac" value="..."/> </form> Response message information of Aktia online payment refund The response will be given as HTTP 302 response in the location field of the response. In Error and Not found situations only NET_RESPCODE and NET_ERRO_MSG fields are returned. Information Name of information INPUT NAME= 1. Refund version number. NET_VERSION Example Format P/V Seller's ID. NET_SELLER_ID AN17 P 3. ID individualising the refund. NET_STAMP AN20 P 4. Reference number NET_REF N20 P individualising the refund. 5. Response code NET_RESPCODE OK : refund successful NOTFOUND : the original payment could not be found ERROR : refund failed A8 P N3 P

20 17 6. Refund archive ID NET_PAID AN20 P 7. Error explanation NET_ERRO_MSG Additional error explanation if the response code is ERROR. 8. Algorithm NET_ALG Only one supported is 03 = SHA256 A Key version NET_KEYVERS For example, 0001 N4 P 1 Payment checksum NET_MAC AN64 P 0. N 2 V P = in versio n 003 HTTP/ Moved Temporarily Connection: close Date: Wed, 30 Oct :43:08 GMT Transfer-Encoding: chunked Location: DE=ERROR X-Powered-By: Servlet/2.5 JSP/2.1 Information fields used in the calculation of the MAC checksum of the response message NET_VERSION& NET_SELLER_ID& NET_STAMP& NET_REF& NET_PAID& NET_ALG& NET_KEYVERS& Checksum key& 9.3 Testing Service providers have the opportunity to test the service in the production environment using test IDs before signing the agreement. The field NET_RETURN must be included when testing. The test address to be used in testing is The following agreement information should be used in the testing: Seller's ID Customer's name Checksum key Testiverkkokaup pa The key version is The following data is used in testing:

21 18 Test case Original payment ID Alkuperäisen maksun viite Original payment reference Payment amount Success <= The request must include payment ID, reference number, and a valid payment amount. If either payment ID or the reference don't match the values in this table a "Not found" response is returned. If the value to be refunded is larger than the original amount, then the error "Palautuksen määrä suurempi kuin alkuperäinen summa" is returned. Hardcoded values are returned if the refund succeeds. In the return data the payment date is always current date minus 14 days. 10. Guidance Customer connection guidance at the Aktia Customer Service weekdays 9 a.m. 5 p.m., tel: , (from a fixed line 8.35 cents/call cents/min. and from a mobile phone 8.35 cents/call cents/min.). yritys@aktia.fi.