What is Provet Pay?
Provet Pay is a payment platform that is integrated with Provet Cloud. It allows processing point of sale (POS) payments using payment terminals (optional) and using various e-commerce payment methods. The integration allows users to initiate and manage payments from Provet Cloud, drastically reducing the manual tasks needed for processing payments.
In Provet Cloud, various types of payments can be handled with Provet Pay:
- Counter sale invoices
- Consultation invoices
- Health plan payments - both one-off and recurring payments
Available technical payment types:
- Card swipe - using the traditional card payments with a physical payment terminal.
- Card on file - tokenized payments where the shopper's (Provet Cloud client, animal owner) payment card info is saved in the system, categorised as a point-of-sale payment. No physical card is needed.
- Online payments - ability to pay by an online link.
- Mail order/Telephone order (MOTO) payments.
A number of payment methods are available:
- American Express
- Diners Club
- Apple Pay
- Google Pay
NOTE: Visa and Mastercard are enabled by default. To enable other payment methods, please contact Provet Cloud support.
For more information about the available payment methods, see Payment Methods.
Payments and Refunds
Payments can be initiated from counter sale and consultation invoices, when adding prepayments and when starting health plan subscriptions.
Payments can also be refunded from Provet Cloud. Refunds from Provet Cloud can also be disabled if needed.
The shopper can also initiate a so-called chargeback/dispute.
As mentioned above, payments can be done by card swipe, by using an online link or by using the MOTO method.
Prepayments and Prepayment Refunds
Prepayments can be taken and refunded with Provet Pay options.
Tokenization refers to the process where the shopper's cardholder data is stored in the system as a token. This token allows for making future payments without a physical payment card.
Cardholder data - the card number, CVV/CVC, and the cardholder name - is sensitive information that is stored in a secure format and is not available to Nordhealth or the clinic/business.
Tokenization is available as a workflow option when taking payments in Provet Cloud. If a Provet Cloud user chooses not to tokenise their card, they can still choose the option during the process.
Tokenized cards are listed on the Billing tab of the client's (shopper's) page in Provet Cloud. Provet Cloud users can also add or remove cards from that section.
With recurring payments, you can receive regular payments from your shoppers. This is commonly needed when using health plans. From the shopper's perspective, it is like subscribing to an online service such as Netflix, Spotify, etc.
Recurring payments require a tokenized card (see above). Currently, all recurring payments are credit and debit card payments, but more payment methods will be introduced in the future.
Payouts to Your Account
A 'payout' is a process of transferring money to your bank account and usually takes around two days, starting from the initial payment.
- When a shopper pays, the payment is taken from their bank account. This usually happens right away or during the same day.
- After midnight, the payment will be included in your Provet Pay reports. Note that the payments will be included in your Provet Cloud payment-related reports right after the shopper payment.
- In the morning hours of the third day, the payout will be initiated.
- The actual time when the money arrives in your account depends on bank-to-bank transfer delays, which can vary (usually 0-2 days after payout is initiated).
The payout will be part of a daily batch per account. Typically, there is a POS (point of sale) and ECOM (e-commerce) account for each department (location, clinic). Note that there are no payouts on Sundays and Mondays, meaning that payments done on weekends will be paid out on Tuesdays.
A transaction fee will be deducted from each payout, see the next section below.
Provet Pay used a transaction fee model called Interchange++.
When a card transaction is processed, there are four cost components:
- An interchange fee goes to the company that issued the card.
- A card scheme fee goes to card schemes such as Visa, Mastercard or Amex.
- A processing fee goes to the payment processor (Adyen).
- A Nordhealth fee goes to Nordhealth, the provider of Provet Cloud.
All fees are deducted from your shopper's payment. As an example, if a shopper pays 100 €, and the sum of fees would be 1 €, you would receive 99 € to your account.
Specific rates are shown in your Provet Pay agreement.
Monitoring and Reports
You can keep an eye on transactions and other results as well as view the status of any devices using a monitoring and reporting portal. For further instructions, see Monitoring and Reports.
In general, the Provet Pay workflow is fixed, but there are some options to modify the client (shopper) messaging.
If something is not working correctly, there are several troubleshooting steps you can take. Support is also provided by Provet Cloud.
See Troubleshooting and FAQ for assistance.