Go to search feature Go to content

You need to use a different browser. To be able to use our internet services, you can instead use one of these browsers: Apple Safari, Google Chrome, Microsoft Edge or Mozilla Firefox.

Read more about recommended browsers

Changes for ERP providers and service agencies regarding payments in Swedish kronor

The restructuring of the Swedish payment market has now begun, and the next generation of payments will be handled by the banks and P27, which is the Nordic clearing house. The change will continue for several years and the development will take place in different phases.

The first phase concerns the migration of payments in Swedish kronor, which means that payments to the bankgiro system will gradually be replaced by the new joint payment platform P27, where the ISO 20022 file format is mandatory.

Transition to ISO 20022

In this video you’ll find a short introduction to P27, the ISO format and latest updates (in English, 16 min).

Time plan

The Transformation Committee within the Swedish Bankers' Association has drawn up a timetable for the transition to P27, which is valid for all banks. SEB recommends customers, as well as ERP providers and service agencies, to switch to the new ISO 20022 file format during 2022 at the latest, as a first step in the transition.

Read more on the Swedish Banker’s Association home page (Swedish)

The two videos below provide an overview of automatic and manual transfer of files.

Automatic file transfers

Integration alternatives for you as a Service Agency or ERP provider that would like an automatic solution for payment files and balance reporting.

Manual file transfers

Integration alternatives for you as a Service Agency that would like to help your customers in a manual way by upload payment files and receiving balance reports.

Integration alternatives

Service agencies

  • ISO 20022

As service agency you must ensure that files can be sent to your customers and to banks. Check that the ERP systems and/or your SEB customers can handle the new file format ISO 20022, according to SEB’s specifications.

 

You can choose both automatic and manual transfer of files. When you are ISO ready, you can choose which type of integration you prefer towards SEB.

 

Integration alternatives for service agencies

Questions and answers

Integration alternatives

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.

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

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)".

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)".

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.

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.

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.

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.

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)".

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

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.

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.

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.

.

Signing

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

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.

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.

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

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.

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.  

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.

SEB's collaborations with ERP providers, service agencies and bank integrators

We work continuously to expand our network. Examples of collaborations are:
ERP: Björn Lundén, Fortnox, Hogia, PE Accounting, Procountor, Visma eEkonomi, Visma Autopay, Wint, Xledger och 24SevenOffice to name a few.
Bank integrators: Pagero, ZData och Zwapgrid
Salary-related services: Zalaris

Test your files and file format descriptions (ISO 20022 format)

SEB Test Bench is an online tool for SEB's customers and business partners. The test helps you ensure correct implementation, based on SEB ISO 20022 file format descriptions "Message Implementation Guidelines (MIG)". Here you will also find support documents, such as file format descriptions for account transfers.

Message Implementation Guidelines (MIG) and SEB Test Bench

SEB's offer for payments in ISO format

Read more about SEB's offers for payments in ISO 20022 format, for our mutual customers.

Payments through XML (in Swedish)
Automate your accounting (in Swedish)
File Integration Service Providers (sebgroup.com)

Information from the Swedish Bankers' Association

In May 2021, the Swedish Banker’s Association’s Transformation Program arranged a webinar aimed primarily at ERP providers, service agencies, accounting consultants and banks.

Watch the webinar
Information about P27 from Swedish Banker’s Association (Swedish)

To support ERP providers and service agencies, the Swedish Bankers' Association has created a questions & answers section that focuses on this target group.

Read questions & answers at Swedish Banker’s Association (Swedish)

Information from the Swedish Bankers' Association

Contact us

You can contact us directly if you have further questions or need help.