Traditionally, Din Bil customers that take their cars for a maintenance check-up would drop them off at one of the service centres, returning to collect them later once repairs have been completed. When collecting the car, customers would pay for repairs with their debit or credit cards.
As part of a digital payments project, Din Bil were in the process of assessing ways to simplify and expand their mobile payment offering to their customers. Marcus Sundberg, Head of Group Accounting at Din Bil Sweden, says: “A new offering we developed this year is our car collect and deliver maintenance service. We wanted our customers to know that if they can’t come to us, we’ll come to them. We have been looking at payments for some time and needed to adopt a payment solution that supported our new service.”
Nordea was asked to quickly put together a solution that would enable the Din Bil sales team to easily accept payments when customers were dropping off the cars. Nordea Connect proved to be an ideal option as it removed the need for carrying around large bulky card terminals. Being able to accept mobile payments via Apple pay or Swish would be a much more convenient way of doing it.Sophia Wikander, Head of Nordea Connect
Pay at the drop off
The new payment solution needed to work without any technical integrations to Din Bil’s existing web platform. Thanks to a Nordea Connect feature known as ‘payment links’, the Din Bil team are now able to go into the Nordea Connect admin portal, generate a payment link and then send that payment link directly to a specific customer to make a payment.
Marcus says: ”Usually customers would drop off their car in the morning, receive a message from us that the work is completed and return at the end of the day to make the payment on-site before collecting their car. Now we can also send a payment link at the same time as we send the collection message and the customer can pay using whichever method they prefer. Now they only need to pick up the key and drive off, without going through the hassle of making a payment. The whole customer experience is also changing.”
One simple set up
Charlotta Andersson, Global Cash Management Adviser at Nordea, says: “The new solution took two to three weeks from our first dialogue to get up and running. In record time, we have been able to introduce a solution that completely removes the need for an actual integration. Nordea Connect gives Din Bil customers one single point of entry and one simple way of paying. Our flexible solution is able to co-exist alongside other consumer financing options offered by Din Bil. We were also able to adapt the solution to meet the needs of Din Bil by making it compatible with their existing card acquiring arrangement.”
Marcus adds: “In one simple set up, Nordea Connect allows us to offer all of the popular payment options that our customers want to use. Swish is of course very important in Sweden and needed to be included. One of the most important factors for us when choosing a PSP was the low transactional cost. By being flexible and proactive, the Nordea team were able to link our card acquiring solution to Nordea Connect, which helps us to maintain low transactional costs.”
Expanding the offering
In the future, Nordea Connect will potentially also be expanded to accept payments for the car sales side of Din Bil’s business. Marcus adds: “Now mobile payments are working well for customers with maintenance and repair needs, so we are already looking into implementing it in our car market as well. When you buy or lease a car you need to make an initial payment and this could also be linked into our digital payments system to make things more convenient for our customers.”
The solution has also gained the attention of the rest of Porsche Holding Salzburg, putting mobile payments firmly on the agenda. Marcus concludes: “Our parent company back in Austria are very curious about what is happening in Sweden because we are already known for being ahead when it comes to digital payments. It’s very interesting for them and we are getting lots of questions at about this project.”
About Din Bil
Din Bil (translated as ‘Your Car’ in English) is one of the largest car dealerships in the Nordics. Owned by Volkswagen’s Porsche Holding Salzburg, the company repairs and sells vehicles from Volkswagen, Audi, Porsche, Skoda and SEAT at various locations across Sweden.