# Glossary source: https://developer.mastercard.com/bs-creditor-api/documentation/glossary/index.md Describes the terms and abbreviations related to the Betalingsservice product. ### Terms {#terms} | **Term** | **Description** | |-----------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | Application Programming Interface (API) | An API is a set of defined rules that allow applications to communicate with one another. | | Betalingsservice (BS) | Betalingsservice (BS) is a Danish direct debit system managed and offered by Mastercard Payment Services. It allows businesses (creditors) to automatically collect payments from customers' (debtors') bank accounts. | | BS Agreement | A contract between a creditor and Mastercard to use Betalingsservice for direct debit purposes. A company might have multiple agreements in place, but most of their data and interactions with Mastercard are centered on an individual agreement. | | BS Creditor API | A RESTful API provided by Mastercard Payment Services for creditors to manage and use their Betalingsservice agreement for direct debit purposes. | | Creditor (Payee) | A company or business that has lent funds to another company or individual and is therefore owed money. In the context of Betalingsservice, it is an organization or company that collects direct debit payments from a debtor using Betalingsservice. | | Creditor's Debtor Reference | An identifier assigned by the creditor to each debtor within the Betalingsservice system. This reference, known only to the creditor, functions as a `tag` to identify debtors. The system stores this value, provided by the creditor, and returns it in specific contexts. It may also be referred to as the `customer number`, `kundenummer`, or `generic organization ID`. | | Debtor (Payer) | An individual or business that has borrowed funds from another company or business and therefore owes money. In the context of Betalingsservice, it is a person, company, or customer who is paying for a service through direct debit payments to a creditor using Betalingsservice. | | Debtor Group | A collection of debtors managed under a single identifier within the Betalingsservice system. This allows creditors to group debtors based on specific criteria. Only one debtor group is active per agreement at any given time, with others being obsolete. | | Debtor Group Number | A label assigned to an individual debtor group, typically an integer value prefixed with zeros. | | Delegated Mandate | A request initiated by a creditor to create a mandate on behalf of a debtor (hence delegated). The creditor is responsible for ensuring and documenting Strong Customer Authentication (SCA) before submitting the delegated mandate. The result of submitting a delegated mandate, and successful processing of it within Betalingsservice, is that a mandate is created in Betalingsservice, allowing the creditor to collect direct debit transfers from the debtor's account to their own. It represents a submitted mandate, which may or may not ever become a valid and active mandate in Betalingsservice. After submission, multiple validation steps need to be completed over a period of several days. At a time, a delegated mandate can be in `Received` (mandate data has been received), `Validated` (mandate has been received and assigned a mandate ID), or `Failed` status (mandate failed a validation step and will not become an active or useable mandate). | | Mastercard Developers client | An API client managed by an integrator, either the creditor themselves or a third party contracted to manage the API integration. To build a Mastercard Developers client, the creditor needs to create a Mastercard Developers client project in Mastercard Developers for the BS Creditor API and obtain the relevant consumer keys for secure communication. | | Mastercard Developers client ID | An identifier that uniquely identifies a Mastercard Developers client. This identifier is sent to the client (creditor) by email after they request either sandbox or production access and can be found in the Mastercard Developers client project. | | Mandate | An agreement between a debtor and creditor that allows the creditor to capture payments of due amounts from the debtor by using Betalingsservice. | | Mandate creation | The process where a creditor procures authorization from a debtor to establish a Betalingsservice mandate. A successful mandate creation results in the establishment of a Betalingsservice mandate with the debtor's financial institution. For more information about the terms and conditions of the creditor agreement, see the [terms and conditions for Betalingsservice creditors](https://www.betalingsservice.dk/Dokumenter_/Documents/Betalingsservice/BS_regler_KR_EN.pdf). | | Mandate ID | A number generated by Betalingsservice that uniquely identifies a mandate and is received when a mandate has successfully been established. The capture of payments on established mandates is eased through the Mandate ID. Note that the actual capture-payments-operation is not available in the Betalingsservice Creditor API in this release. | | PBS Number | The number assigned to a company when Mastercard registers the company in the company register. | ### Abbreviations {#abbreviations} | **Abbreviation** | **Description** | |------------------|----------------------------------------------------------------------| | CPR | Central Person Register number | | CSR | Customer Service Representative | | CVR | Central Business Register number | | DKK | Danish kroner | | SCA | Strong Customer Authentication | | UUID | Universally Unique Identifier | | PBS | Private Banking Services (PBS) or Betalingsservice number in Denmark |