What is a KID agreement?
KID (kundeidentifikasjon, the Norwegian payment reference) is the number the payer enters in online banking instead of a message. With a KID agreement, the bank sends the club a file of all payments made with a KID. Sportio reads the file and matches each payment to the right invoice.
The agreement is usually called ‘OCR giro’ or ‘Innbetaling Total’ (the camt.054 file format). Both are provided by the bank, with Mastercard Payment Services (formerly Nets) behind the scenes. Sportio reads both formats.
Without a KID agreement the club does not get this file, and payments have to be registered manually on each invoice.
What to ask your bank
Call or write to the business department of the club's bank and ask for an agreement for KID payments to the club account. Ask about these four things, and write down the answers:
- KID length: how many digits the KID should have, including the check digit (for example 10).
- Check digit: whether the bank uses MOD10 (also called Luhn) or MOD11.
- File format: OCR giro or camt.054 (Innbetaling Total). Sportio reads both.
- Download: where in online banking you download the file, and how often it arrives (usually once per working day).
- Some agreements require fixed leading digits (a prefix). Ask about it — if so, it is entered as ‘Prefix’.
- Also ask what the agreement costs. Prices vary between banks.
How to enter the agreement in Sportio
Go to ‘Finances’ → ‘Settings’, the ‘Bank and KID’ card.
- Fill in ‘Account number’ — the account the agreement covers. Sportio checks that the number has 11 digits and the right check digit.
- Turn on ‘The club has a KID agreement with the bank’.
- Choose the ‘KID algorithm’: ‘MOD10 (Luhn)’ or ‘MOD11’, as stated in the agreement.
- Fill in ‘Length’ (4–25 digits) and, if any, ‘Prefix’ (up to 8 digits).
- Check the example below the fields, and save.
What does the example KID mean?
Below the fields it says ‘Example for invoice 1234’. Sportio builds the KID from the invoice number: the prefix first (if any), then the invoice number padded with leading zeros, and finally one check digit.
With MOD10, length 10 and no prefix, invoice 1234 becomes KID 0000 0123 44. The digits 000001234 are the invoice number, and the final 4 is the check digit the bank uses to catch typing errors.
If the example shows only a dash (—), the combination is invalid — for example a prefix that is too long for the length.