Changes for ERP providers and service agencies

Integration alternatives

What type of agreement do I need as a service agency to connect to one of SEB’s integrated ERP’s or bank integrators?

If you use any of SEB’s integrated ERP providers or bank integrators and deliver your services on their platforms you can easily send files for our mutual customers. No agreement with SEB is necessary since you will be considered a subcontractor to our mutual customers. You sign an agreement of your own with your customers and your ERP provider or bank integrator. SEB already has agreements with all the integrated ERP providers and bank integrators.
SEB customers sign up to your chosen integrated ERP provider or bank integrator via SEB’s digital connection service “Automatisk bokföringstjänst (Automated accounting)”. You find our integrated ERP providers and bank integrators at the bottom of this page.

What type of agreement do I need as an ERP to connect to any of SEB’s bank integrators?

If you use one of SEB’s bank integrators and deliver your services on their platforms you can easily send files fur mutual customers. No agreement is necessary with SEB since you’ll be considered a subcontractor to our mutual customers. You sign an agreement of your own with your customers and your bank integrator. SEB already has agreements with the integrators.

SEB customers sign up to your chosen bank integrator via SEB’s digital connection service “Automatisk bokföringstjänst (Automated accounting)”. You find our integrated ERP providers and bank integrators at the bottom of this page.

Format

Is the ISO 20022 file required to contain a bank account number?

Beneficiary account number is required for credit transfers, including salary payments, pensions and social benefits.
Debiting can take place from an account number or a bankgiro number.

When paying to an Alias (bankgiro number or plusgiro number), it is possible to choose what to use as a debit account. It can either be the account number or bankgiro number as debit account.

More information about what combinations are allowed can be read in our file format descriptions "Message Implementation Guideline (MIG)".

Can the sender choose whether payments sent in a file should be batched booked or single booked?

Yes, the customer or ERP vendor can control this in the ISO 20022 pain.001 file.

In today’s ISO offering bankgiro products is per default batch booked and there is no possibilities to choose single booking in the file, but when we move to P27 products it will work as follow:

The "Batch Booking" field controls whether the payment is made as a bulk booking or if it is booked individually, so called “single booking”. There, the customer needs to enter "true" or "false". True = bulk booking and False = single bookings.

More information about what applies to each payment product can be read in our file format descriptions "Message Implementation Guideline (MIG)".

What is the difference between OCR reference and RF reference?

There is a clear difference between these two types of references.

An OCR reference is always linked to a bankgiro number or plusgiro number and consists only of numbers.

An RF reference is always linked to a bank account, and always starts with the letters RF. RF reference is used today in SEPA payments but will be used for Swedish payments in the future P27 solution.

What is the difference between CINV and SCOR?

SCOR corresponds to OCR reference and is validated with check digits.
CINV is used when invoice number is not validated, instead sent in a structured way, which makes the reconciliation process easier.

How does the sender of a payment send a structured payment with CINV?

This depends on how the payer initiates the payment. If it is initiated by being sent in a payment file in the PAIN format (ISO 20022), the payer himself sets the CINV parameter in the file. If the payment is initiated via one of the bank's digital channels, the parameter is set by the bank - in this case, it is not possible to assume that there will be a structured reference with the CINV parameter.

Can there be several payments with the same recipient, reference, and amount in the same file?

Yes, as long as each transaction has a unique reference. It is possible to send a payment to the same recipient several times with the same amount and invoice number/reference. However, the customer must always have a unique "EndToEndId" on each transaction, otherwise SEB will notify the transactions as duplicate.

What type of reporting do we get with the transition to the ISO 20022 format?

During the transition to the ISO format, all reporting files will be retrieved from each bank and not from Bankgirot. Reports from SEB will be available per account and not per bankgiro number. Customer can select different types of reports in the ISO20022 format. SEB offers camt.052, camt.053 and camt.054. Bankgiro number and its related transactions have a section presented in camt reports, but the reports are based on account level. If the account has more than one BG number connected to it, it will be reported in same file.

More information about the different reporting options can be found in our file format descriptions "Message Implementation Guideline (MIG)".

Do SEB offer salary files in ISO format?

SEB offer salaries in ISO format settled via Dataclearing, which is similar to how the salary files will look like after the transformation to the new payment platform P27. Important to note is that debit account number and debit day shall be stated in the file. More details can be found in our Message Implementation Guideline, MIG.

Multiple invoices / references to the same recipient

How does the recipient receive information about which invoices/credit notes the payment refers to if the payment contains more than 15 references?

If a transaction were to contain, for example, 15+ invoices/references, we will report it to the recipient. If the customer uses our online interfaces, the customer can see the total amount. The customer can expand the information to see which 15+ invoices /references are included in the transaction and the respective amount. If the customer instead has a file report in e.g. ISO 20022 (camt.052 / 053/054), we report it in a similar way.

Does the OCR check work even if the user sends several invoices, stating for example that two of the invoices are credit and one is debit?

The OCR control is not carried out at SEB but is done at Bankgirot. In today's flow, there is an opportunity to send a mix of CINV, CREN, and SCOR through a single payment. To clarify, OCR control only applies for SCOR and CINV and is not validated for CREN.

Is it possible to send credit notes or multiple invoices to the same recipient?

Yes, it is possible to send credit notes and multiple invoices to the same beneficiary, but it is important that the amount of invoices are higher or equal to the amount of credit notes. It is not possible to send negative amounts.

More information about what applies can be read in our file format descriptions "Message Implementation Guideline (MIG)" you can find a link further down on this page.

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Signing

What requirements does SEB place on signing payment files and what alternatives are offered?

For SEB, it is a mandatory requirement that all payment files must be signed and thus approved by the end customer. SEB allows a single signatory but always recommends dual signatories.

The principle of signing depends on which integration solution you have chosen. Signing can take place either on the integrated business system supplier's (ERP) platform or at SEB's internet bank.

Some ERP platforms offer the option of signing in the ERP platform or with SEB.

Upcoming offers

Will all payments in the new payment platform be real-time payments?

No, not all payments will be real-time payments with P27. There will be two different payment infrastructures: Real-time payments made 24/7, 365 days a year, and cyclically made payments that are collected and sent during banking days. For payments in SEK, these cyclical payments will be made up to 9 times a day. These payments will primarily replace today's bankgiro payments. This means that all types of payments, i.e. bankgiro payments, plusgiro payments and account transfers, will be able to be sent and reach the recipient in one and the same day, provided that they arrive at the bank before the closing time. Salaries are an exception and must be sent to the bank the day before the payment date.

Will the Swedish direct debit solution, Autogiro, remain in the new payment platform P27?

Today's Autogiro will be phased out. In the future payment infrastructure, a new service is planned that will replace both the current E-invoice Internet Bank and Autogiro. The idea is to improve and simplify the way to pay bills and invoices, but with retained functionality. Planning is ongoing and we will update regularly when new information is in place.

How well must the payee's name match the payment orders?

The payee's name needs to be stated and we will check that the payee's name has a correct spelling.

How will the recipient receive information about which invoices/credit notes the payment refers to if the payment contains more than 15 references in the future solution?

Extended Remittance Information (ERI), a so-called aggregated payment, makes it possible to have up to 999 references. If a transaction were to contain, for example, 50 invoices/references, we will report it to the recipient. If the customer is inside our online interface, the customer can see a total amount, where the customer can expand the information to see which 50 invoices/references are included in the transaction. If the customer instead has a file report in ISO 20022 (camt.052 / 053/054), we report it in a similar way.

How does the OCR control work in the future solution if the user sends several invoices via Extended Remittance Information (ERI) and states, for example, that two of the invoices are credit and one is debit?

The OCR control will be performed if the SCOR qualifier is used in the file. Credit Invoices (CREN) will not have any OCR control. There is an option to send a mix of CINV, CREN, and SCOR within an ERI payment. The total amount of the payment must exceed 0.  

Will it be possible to send credit notes or multiple invoices to the same recipient?

Through Extended Remittance Information (ERI), a so-called aggregated payment, it is possible to send credit notes and/or several invoices to the same recipient. ERI is a term used for a payment sent to one recipient and contains several invoices/references with amounts specifically per invoice. These extended invoices / payment references provide the opportunity to use credit invoices in connection with an invoice payment. The total amount of the payment must exceed 0.