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A client is like a vessel, in which account and payment information are stored. A client can contain several accounts of different financial institutions. But with the PayMaker, only one vessel at a time can be open. You have to close the open vessel before opening another one.

As a private person you normally need only one client to use your connections to the financial institutions. It is for this reason that one client has already been created after the installation. Otherwise, (i.e. if you have a business or are the cashier of a local club in an honorary office) it is recommended to create a second client, to separate the privat account movements from the other accounts.

The accounts are administered by your financial institution except for the manual account. From the perspective of PayMaker, only those accounts are interesting, which can be reached over electronic communication. To make this possible, conclude a contract with the corresponding financial institution.

In the PayMaker a contract means an agreement which you concluded with your financial institution. It allows you to electronically exchange account information with this financial institution. To perform this exchange, you need your access data you received from your financial institution. Your contract with the corresponding access data is also the key that opens the electronic door to your account and payment information of a financial institution.

For all the accounts you want to process with the PayMaker you need a separate contract with the financial insitution where you keep the respective account.

In a contract several accounts can be listed for use. Specify with your financial institution which accounts belong to the contract.

The user works with the PayMaker. It conducts the functions (provided by the PayMaker) for the contracts, for which he is authorized.

Users which are indicated as “Administrator” can also administer all users, all clients and all contracts, i.e. create new ones, adapt or delete existing ones. This is particularly the case for clients and contracts not assigned to the user. This means that the administration permission of an user is not restricted to the authorized clients and contracts.

Users which are indicated as “Administrator” can also administer all users, all clients and all contracts, i.e. create new ones, adapt or delete existing ones. This is particularly the case for clients and contracts not assigned to the user. This means that the administration permission of an user is not restricted to the authorized clients and contracts.

PayMaker allows you to comprehensively process your payment transactions with all the financial institutions. For this purpose, PayMaker uses the communications interface provided by the financial institutions to exchange account and payment information.
The account and payment information are deposited in the client of the PayMaker which is assigned to the corresponding contract. This means, they are always stored in the same vessel.

The client as a vessel with several contracts and accounts

For each function of the payment transaction which the user wants to conduct and which needs access to the financial insitutions, the user has to specifiy, which contract has to be used, i.e. which key fits on the electronic door.

The PayMaker does not know, which accounts are covered by which contract. This is specified by the financial institution.
The number of clients and contracts for a user made available by the PayMaker is determined by a triangle between client, contract and user. The following conditions need to be fulfilled so that a user can work with a contract for a client:

The contract has to be assigned to the user who should work with it. To put it into the other way round: The user must be authorized in order to work with the contract.The user has to be assigned to at least one client. Users who are not authorized by a client, are not able to execute functions of payment transition. The contract has to be assigned to a client to which the user is also assigned.

This means that the circle has to be complete as shown in figure 2.

If a user is authorized to work with a client but does not have authorization for all contracts of this client, he can only work with the contracts, he is authorized.

If the user is authorized to work with a client and has the authorization for additional contracts of a second client, to which he is not assigned to, he is not able to work with these additional contracts. The reason is that he cannot indicate this second client when registering.

The range of functions available to the user when working with a client is specified by the user rights.

The PayMaker provides the opportunity to specify the amount of executable functions namely per client. The user can be authorized for the following functions for one client:

• Display of electronic account documents
• Transmission of electronic account documents
• Display of budgeting
• Processing of accounts and account statements
• Display of accounts and account details
• Transmission of accounts and account details
• Display of payments
• Processing of payments
• Transmission of payments
• Sights of payments

When assigning a user to a client (How do I specify the clients for which the user is able to work with?), according to the default the user either gets all rights or none (How do I change the amount of of rights automatically assigned to a user?), regardless of whether the user is assigned to the client or vice versa.

The number of clients and user you need to work with the PayMaker depends on for what you want to use the PayMaker. A universally valid, general configuration does not exist. Following, some scenarios on how to use the PayMaker will be presented and the most suitable configuration will be exemplified.

All scenarios have in common that a contract has to be concluded with every financial institution where you keep an account which you want to process with the PayMaker.

Scenario of a private person

You as a private person want to process your private account and payment information. You keep several accounts at different financial institutions. You are the only user.

You need a client which processes all information of your private accounts. You secure the access to the client with a password.
To log yourself into the PayMaker, you only need one user.

Assign this user to the client (Arrow (1)). The user should get all rights for the client. The user can also administer the PayMaker, but this does not need a password.

Assign all entered contracts with the desired financial institutions to the client and to the user.
Set up your PayMaker so that the next time you start it, the last logged in user and the last used client are will be used.

Scenario of a couple with family accounts

You as a couple want to process your shared family accounts. You keep several accounts at different financial institutions. Both spouses use the same PayMaker.

You need a client which processes all information of your shared accounts. You secure the access to this client with a password.

You need two users. One is for you to log yourself in and the other one is for your spouse. Each one of those users is assigned to the client (Arrows (1) and (3)). Both users should get all rights for the client. Both users can administer the PayMaker. It is up to you, if you want to secure both users with a password to protect them against unauthorized use. This would be reasonable if not all users have equal rights concerning administration and rights to work with the client.

Assign all entered contracts with the desired financial institutions to the client (same vessel as in picture 4) and to both users (Arrows (2) and (4)).

Set up your PayMaker so that the next time you start it, the last used client will be utilized. If one user utilizes the PayMaker more than the other one, it may be easier for him, if also the last logged in user is going to be utilized at the next start.

Scenario of a private person with a business or a subsidiary office

You as a private person also want to process the accounts of your own business or of your subsidiary office (e.g. cashier in a club) besides your private accounts. You are the only user.

Application scenario private person with a business

You need two clients, one for your private accounts and a second one for the accounts of your business/club. Secure the access to both clients with a password.

You only need one user to log yourself into the PayMaker. This user is assigned to both clients (Arrows (1) and (3)). The user should get all rights for both clients. The user can also administer the PayMaker but this does not need a password.

Assign each contract with the desired financial institution to the corresponding client (i.e. put it into the right drawer, picture 5). The user will be authorized for every contract (Arrows (2) and (4)).

Set up your PayMaker so that the next time you start it, the last logged in user will be utilized.

Do you also want to manage your members or to maintain your accounting computer assisted? Then we recommend you our software ClubMaker for clubs and PayMaker for businesses.

Scenario life partners with shared and individual accounts

You and your life partner want to process your shared account as well as your private accounts. Both use the same PayMaker.

Application scenario life partners with shared and individual accounts

You need three clients, one each for the private accounts of you and your life partner as well as a third one for your shared accounts. Secure the access to all the clients with passwords.

You need two users, one for yourself and one for your life partner. One user is assigned to “your” client and the other one to the “shared” one. (Arrows (1)). The user should get all rights for these two clients. The user can also administer the PayMaker but need no password for this. The second user is assigned to the “shared” client as well as to the “life partner” client (Arrows (3)) but needs no password.

Assign each contract with a desired financial institution to the corresponding client (i.e. put it into the right drawer, picture 6). The first user gets the rights for the contracts of “your” client as well as for the “shared” one (Arrows (2)). The second one gets the rights for the contracts of the “shared” client as well as for the “lifepartner” client (Arrows (4)).

Set up the PayMaker so that the next time you start it, whether the last logged in user nor the last used client will be utilized.

Scenario PayMaker on computers of a club

You as a cashier or as a president of a local club want to use the PayMaker on the computer of your club. This computer is also used by other board members, which can also view into the association account, but are not able to effect payments.

Application scenario computer of a club with several users

You need a client which processes all information of the association accounts. Secure the access on this client with a password.
You need one user for each board member who should get access to the accounts to log in. The user you have created for yourself is also the administrator. This is not necessary for the other users. Each one of the users is assigned to the client (Arrows (1), (3) and (5)). Depending on the situation, the rights of single users can be restricted (Arrow (7) in picture 7). Specify a password for each user.

Assign all entered contracts with the desired financial institutions to the client (same drawer, picture 7) and to all users (Arrows (2), (4) and (6)).

Set up the PayMaker so that the next time you start it, the last used client will be utilized.
Do you also want to manage the members or to maintain the account computer assisted? Then we recommend our softwareClubMaker and PayMaker.

You need following information to get electronic access to your financial institution:

PayMaker is able to assign passwords on the user level as well as on the client level

Please note: Passwords for user and clients are mandatory in all our software products

On the one hand, the client password controls, if a user who wants to work with a specific client is actually authorized to do so. On the other hand, the account and payment data of a client, which has a password, are encrypted with this password. Therewith, these information are not visible at all from the outside of the PayMaker.

PayMaker protects with the user and client password the access to the application itself and to its data (arrow (1) in picture 8).
The financial institution protects with its method the electronic access to its systems (arrow (2) in picture 8), namely to PayMaker as well as to every other program, with which payment information can be obtained from the financial institution.

These two safety precautions complement each other.

Safety precautions of the PayMaker and of the financial institution

When starting the PayMaker you have to identify yourself as a user first. Therefore, enter in the window “Log in” your user name and password. If you have not set a password for your user name, leave this field blank. PayMaker controls if the combination of user name and password is correct, otherwise it will report an error message.

Login window to authenticate a user

With the button “…” you can switch the display in the password fields to be able to see, what you type.

After a successful login, specify in the PayMaker which client you want to work with. Choose in the window “Log in” the desired client and enter the password of this client in the corresponding field (What happened if no window appears to enter the user or client when logging in?). If no password is set for the desired client, leave this field blank.

You can specify in the general program settings that the PayMaker always starts with the last used client.

If the client you want to use is not protected by a password, you will not see the “Login” window to select the client.
PayMaker will show you the “Login” window at start if it is either unclear which client is to be used or if the client to be used is protected by a password.

If the user is authorized to work with different clients, specify in the general settings not to start with the last used client.

You can also specify a password for each client.

PayMaker will show you the “Login” window to select a client at start if it is either unclear which client is to be used or if the client is protected by a password.

You can change the client you are working with without exiting and restarting the PayMaker. For this purpose, select in the menu “File” ” Change client”.

As a result, PayMaker will show you the “Login” window to select the desired client. This can be handled now as during the normal login.

You can login with another user without exiting and restarting the PayMaker. For this purpose select in the menu “File” ” Change user / client”.

As a result, PayMaker will show you the “Login” window to select the desired user name. This can now be handled as during the normal login.

PayMaker is designed in a way that you get to the desired result with as few entered information as possible.

It is for this reason that in the following situations during the log in not all windows are displayed:

• You have set the PayMaker so that it starts with the last utilized user. This user does not need a password. In this case, the “Login” window to enter the user will not be shown and the last logged in user will be utilized.
• You have set the PayMaker so that you want to work with the last used client. This client does not need a password. In this case, the “Login” window to select the client will not be shown and the last used client will be utilized.
• You utilize a user to which only one client is assigned or none at all. The assigned client does not need a password. In this case the “Login” window to select a client will not be shown and the assigned client will be used or it will be started without a client.
• The first situation is combined with the second or the third situation. In this case, no “Login” window will be shown and the last logged in user with a specific client will be used.

You can change the client, log in with another user or find out the current user and client after having started the PayMaker.

Change in the menu “File” ” Current user/client…”. PayMaker will show you the window “Current user / client (view picture 11), which will specify the current user.

As an alternative, you can have a look at the information window in the “Configuration” tab to see which user is logged in in the PayMaker.

Either you choose in the menu “File” ” Current user/client…”. PayMaker will open the window “Current user / client” on which you can see the actual client.

Or you can have a look at the information window in the “Configuration” tab (How do I get to the information window?) to see which client is currently in use.

Or just look at the head line of the main window of the PayMaker.

As a user you can change your password even if you are not an administrator. To do so, select in the menu “File” ” Change password…”.

PayMaker opens the window “Change password” to adapt your password. Enter in the field “Old password” your previous password or leave the field blank, if you haven’t set a password so far. Enter in the field “New password” your novel password. To prevent typing errors, confirm the newly selected password in the field “Password confirmation”.