Betalningar

Question & answers

Corporate customers

Account-to-account-transfers, corporate customers via the bank’s Online service
1. Why do I need to state and update the name of the recipient in an account-to-account transfer?
2. Will any functionality for A2A transfers for corporate customers disappear in the planned Nordic infrastructure?
3. Why does it take different amounts of time to pay to different banks during the potential transformation?

Account-to-account-transfers, corporates with file communication via Bankgirot or bank
4. Will I be able to make transfers as before?
5. How long messages will I be able to send with my transfers?
6. What file formats will be used in the future?
7. What cut-off times will apply in the planned Nordic payment infrastructure and what will the payments cost?
8. How many invoices can be sent in the same payment in the planned Nordic Payment infrastructure?

Alias payment (Bg/Pg) via bank’s Online service, no file communication, corporates
9. Will I be able to make Bankgiro and Plusgiro payments as before?
10. What cut-off times will apply in the planned Nordic payment infrastructure and what will the payments cost?
11. When will Bankgiro payments be transferred to the planned payment infrastructure?
2. How long messages will I be able to send with my payments?
13. Will I be able to continue using Bankgiro numbers in my invoices?
14. Will I be able to continue using OCR numbers in my invoices?
15. What will happen to the payments during the period when, according to the current plan, they can come via both Bankgirot and the planned Nordic payment infrastructure??
17. What are the differences and similarities between the existing and planned new products?
18. How will the bank control payments before sent or received?
19. Where does product arrangement take place?
20. What benefits and news are there in the planned Nordic infrastructure?
21. Where is payment history stored?
22. How often will clearing and settlement take place in the planned Nordic payment infrastructure?
23. How will the cut-off times look like for SEK?
24. Will OCR numbers still be possible to use?

Alias file customers via Bankgirot or bank via file communication
25. Will I be able to make Bankgiro and Plusgiro payments as before?
26. What file formats will be used in the future?
27. What cut-off times will apply in the planned Nordic payment infrastructure and what will the payments cost?
28. When will Bankgiro payments be transferred to the planned Nordic payment infrastructure?
29. How long messages will I be able to send with my transfers?
30. Will I be able to continue using Bankgiro numbers in my invoices?
31. Will I be able to continue using OCR references in my invoices?
32. What will happen to the payments during the period when, according to the current plan, they can come via both Bankgirot and the planned Nordic payment infrastructure?
33. Will I receive two different types of reports during the potential transformation?
34. What are the differences and similarities between the existing and planned new products?
35. How will the bank control payments before sent or received?
36. What benefits and news are there in the planned Nordic infrastructure?
37. How many invoices can be sent in the same payment in the planned Nordic Payment infrastructure?
38. Where is payment history stored?
39. How often will clearing and settlement take place in the planned Nordic payment infrastructure?
40. How will the cut-off times look like for SEK?
41. Will OCR numbers still be possible to use?

Payment image file
42. What is a payment slip image?
43. Why are payment slip images not planned to be offered in the planned new payments infrastructure?
44. I regularly look at images of payment slips via my Internet bank, what should I do when these are not available in the new planned payments infrastructure?
45. I receive a payment image file with payment slip images today, how do I get this information in the future?
46. Can I never get payment slip images in the planned Nordic payment infrastructure?
47. How can I see those who have paid, and why it is paid, if I can no longer look at a payment slip image?
48. Will my customers be able to continue paying with payment slips?
49. Will I receive messages that my customer has entered on a payment slip?
50. I pay via an envelope service, how am I affected by the planned Nordic infrastructure?
51. I am a payee who receives payments via envelope services, how am I affected by the planned Nordic infrastructure?
52. If I receive payment image files today, what should I do?

OCR
53. Will I be able to continue using OCR references in my invoices?
54. For how long can I use my Plusgiro number and Bankgiro number?
55. Will hard and soft control remain?
56. Will the length control remain for the giro numbers?
57. Will there be OCR control also for file payments?
58. Will OCR be validated via the LB routine during the transition period?
59. Will there also be transactions via the planned Nordic payment infrastructure in the file for Bankgiro payments?
60. Will there be hard control in the Internet banks (the banks’ digital service) as today?
61. It is possible to open a new Bankgiro number or Plusgiro number/Alias with the existing regulations during the transformation period?
62. Is it possible to use OCR-payment slips for the envelope services in the new planned payments infrastructure?

Salaries, pensions, and allowances
63. Preparation for the transformation?
64. How do I know which services, formats, and so-called cut-off times that are planned?
65. Will the bank offer payment reports on paper?
66. Will employees still receive their salary/pension/allowance deposited in the account at 00.01 on the payday?
67. What does my company need to do regarding the planned changes for salary, pension, and allowance?
68. How long in advance does my company need to contact its system vendor and bank regarding a potential switch to the new planned payments infrastructure?

69. Are there any other products than salary, pension, and allowance that will change in the new planned payments infrastructure compared to the existing services?
70. When do I have to send the salary file to the bank at the latest?

Common for private and corporate customers

Money order
71. I make regular payments via money order to recipients for whom I do not have account information, what should I do?
72. My customer/counterpart does not want to provide their account number, what should I do?
73. My customer/counterpart does not have an account, what should I do?
74 .I make regular payments to recipients for whom I do not have account information by sending a money order (for a first payment, salary, pension, etc.) - what should I do?
75. I make regular payments of a single nature (claims settlement, refunds, etc.), what do I need to do?
76. I handle estates (dödsbon) for customers, how do I do in the new planned payments infrastructure?
77. What should a recipient for an estate do in the new planned payments infrastructure?
78. I will make a payment to an estate (dödsbo), what should I do in the new planned payments infrastructure?
79. Will I be able to receive a money order in the future?
80. If I receive a money order, where can I redeem it?

ERP related questions
81. What do the banks need to do? Do they need to hire a lot of developers to develop new services? Or are we as system vendors going to have to carry the big load?
82. Our customers are a little worried that there will be a big change, can you give them some advice about what they can do already? Or how should they think about this?
83. Is there a requirement that the ISO20022 file must contain a bank account number?
84. Can you recommend converting ISO20022 files to BGMAX files (or the format you have) as a temporary solution until the infrastructure has "landed"? Is the format (in terms of content) so similar to the existing ones that this is possible?
85. Can individual banks have their own action plans so that they, for example, deny the current file format earlier than the P27 transformation plan?
86. For ERI / aggregated payment, will there be a total price or price per incoming payment/reference?
87. Sealing of pay-out files, will it be a standardized process, or is it up to each bank to choose the way to seal?
88. What NEW payment products that we do not have today do you see that realistically could arise within P27?
89. Will all Credit Transfer payments that go into the potential new clearing be settled as real-time payments or will it be like today (x number of settlement opportunities per day)?
90. What is the difference between CINV and SCOR?
91. It is possible to send a payment with a CINV to a BG number with hard OCR control?
92. It is correctly understood that a SCOR payment can have a Swedish OCR reference or RF reference, but these reference numbers can be structured in different ways? Swedish OCR can have length digit and control digit while RF reference only has control digit, is that correct?
93. Will RF numbers be supported instead of traditional OCR (in the SCOR field)?
94. Will it not be possible to send structured references, such as scores for an account deposit, due to the new payment infrastructure?
95. Regarding reports for payments received to our account, will the format of these files be affected?
96. Is it possible for banks not to join the infrastructure and may an ERP provider need to support several formats/standards?
97. What will happen with Autogiro?
rrectly understood that Autogiro, as the product is known today, will disappear and be replaced by Request to Pay due to the new infrastructure?
99. Does ERI require an aggregated payment?
100. How does the recipient receive information about which invoices/credit notes the payment refers to if the payment contains more than 15 references?
101. Does the OCR control work even if the user sends multiple invoices via ERI? And then specifies that two of the invoices are credit and one is debit?
102. Can the banks, for example, debit union fees for SALA payment (as done today)?
103. Will senders be able to choose whether payments initiated in a file should be booked in bulk or booked individually?
104. What are the differences in the handling of the payment types: SALA, PENS, and SSBE?
105. Can there be several payments with the same recipient, reference, and amount in the same file?
106. Today, we use BG payments and Autogiro payments, which we have chosen to collect in one report and in the same file daily for all our customers. Our customers have all optional banks, and this function is available through Bankgirot today. Will there be corresponding mass handling functions at the banks in the new planned payments infrastructure?
107. How does the sender of a payment send a structured payment with CINV, does the sender himself fill in a field in a banking system? I ask because in a receiving system of payment we want to know how secure that reference is when we allocate the payment.
108. How exactly must the payee's name match the payment orders? Spelling, abbreviated company names, etc.?
109. Will mobile phone numbers also be released as aliases for more general use than Swish only?
110. What are NPC Schemes?
111. What distinctions from the SEPA standard have been decided?


Corporate customers

Account-to-account-transfers, corporate customers via the bank’s Online service

Why do I need to state and update the name of the recipient in an account-to-account transfer?
For regulatory reasons, the banks are obliged to include the name in a transfer. Thus, the name of the recipient becomes mandatory to include in the planned Nordic payment infrastructure.

Will any functionality for A2A transfers for corporate customers disappear in the planned Nordic infrastructure?
No.

Why does it take different amounts of time to pay to different banks during the potential transformation?
Differences may arise since the plan is that different banks will onboard the planned Nordic payment infrastructure at different times.

Account-to-account-transfers, corporates with file communication via Bankgirot or bank

Will I be able to make transfers as before?
Yes. What is new is that the recipient’s name will be required and that longer messages will be possible. Payments will also arrive faster (bank-specific).

How long messages will I be able to send with my transfers?
What each bank will offer is answered by the respective bank. Each bank is responsible for the terms towards its customers. However, the new planned infrastructure allows a message up to 140 characters long (unstructured reference).

What file formats will be used in the future?
The market is moving towards ISO20022 however it depends on the banks’ offer.

The format standards used in the planned Nordic payment infrastructure are the various payment and reports formats within the ISO 20022 standard. This standard is planned to replace the existing formats. The new formats can generally be used for all payments, i.e., regardless of whether they are salary payments or Bankgiro payments. They can often also be used for both domestic and cross-border payments.

What cut-off times will apply in the planned Nordic payment infrastructure and what will the payments cost?
How this will happen is answered by each bank. Each bank is responsible for the terms towards its customers.

How many invoices can be sent in the same payment in the planned Nordic Payment infrastructure?
If the possibility to use Extended Remittance Information (ERI) is offered by the bank, it is possible to send up to 999 invoices in the same payment (including credit invoices) if the recipient bank accepts it (ERI).

Alias payment (Bg/Pg) via bank’s Online service, no file communication, corporates

Will I be able to make Bankgiro and Plusgiro payments as before?
Yes, it will work as long as Bankgiro and Plusgiro payments continue to be offered.

What cut-off times will apply in the planned Nordic payment infrastructure and what will the payments cost?
How this will happen is answered by each bank. Each bank is responsible for the terms towards its customers.

When will Bankgiro payments be transferred to the planned payment infrastructure?
It is planned to take place gradually from spring 2024 to fall 2024.

How long messages will I be able to send with my payments?
What each bank will offer is answered by the respective bank. Each bank is responsible for the terms towards its customers. However, the new planned infrastructure allows a message up to 140 characters long (unstructured reference).

Will I be able to continue using Bankgiro numbers in my invoices?
Yes, it will work as long as Bankgiro and Plusgiro payments continue to be offered.

Will I be able to continue using OCR numbers in my invoices?
Yes, it will work. As long as Bankgiro and Plusgiro payments continue to be offered, the OCR references will also be used. It is important, however, that the OCR number in the invoice is correct. This because OCR references are checked by the payer's bank before they are sent. If the OCR reference is incorrect, the payment will be rejected (will not be forwarded).

What will happen to the payments during the period when, according to the current plan, they can come via both Bankgirot and the planned Nordic payment infrastructure?
Regardless of which way the payments arrive, they will be reported in the way that the bank offers, it can for example be in the Internet bank or via file-communication. More information is received by the bank, which is responsible for the terms towards its customers.

Will I receive two different types of reports during the potential transformation?
How this will happen is answered by each bank. Each bank is responsible for the terms towards its customers.

What are the differences and similarities between the existing and planned new products?
The main difference is that the banks develop their own product offerings for payments and reporting. There will be a common bank standard and a regulatory framework (NPC Credit Transfer Scheme Rulebook), which these product offerings are based on.

Customers who today have file communication directly with Bankgirot need to change this to instead have it directly with their bank.

How will the bank control payments before sent or received?
In general, it can be said that the controls carried out today will also be carried out for payments via the planned Nordic payment infrastructure. One such is the control of the OCR reference for payments to Bankgiro/Plusgiro numbers that require such an OCR-reference.

Where does product arrangement take place?
Product arrangement takes place in the bank’s system and not in the planned Nordic payment infrastructure, which differs from many of today’s Swedish products listed in the BG agreement. How BG numbers will be set up after the potential transformation has not yet been decided.

What benefits and news are there in the planned Nordic infrastructure?
The planned Nordic infrastructure makes it possible to send more information between the banks. In addition, the planned Nordic payment infrastructure provides the opportunity to pay later in the day. Also, payments reach the recipient faster compared to today.

Where is payment history stored?
Payment history will be stored at the customer’s bank. This will make customer support/self-service easier.

How often will clearing and settlement take place in the planned Nordic payment infrastructure?
The planned Nordic payment infrastructure offers clearing and settlement once an hour during the currency’s opening hours for account-to-account transfers, salaries, and giro payments.

Please note that the services are bank specific and that the customer benefit depends on the sending and receiving banks’ systems and integration with P27.

How will the cut-off times look like for SEK?
For normal payments via the planned Nordic infrastructure, product independent settlement is offered continuously during the day. Cut-off times are bank-specific, however, compared to how it works today, cut-off times are improved, and payment orders can be sent in later and reach the recipient the same day. All payment products can be sent in and executed on the same day until the Riksbank closes for settlement of SEK.

Will OCR numbers still be possible to use?
Yes, as long as Bankgiro and Plusgiro payments continue to be offered, the OCR references will also be used.

Alias file customers via Bankgirot or bank via file communication

Will I be able to make Bankgiro and Plusgiro payments as before?
Yes, it will work as long as Bankgiro and Plusgiro payments continue to be offered.

What file formats will be used in the future?
The format standard that will generally be used in the planned new Nordic payment infrastructure is the various payment and accounting formats within the ISO 20022 standard.

This standard is planned to gradually replace the existing formats. Exactly what the banks will offer, ISO formats and other formats, are answered by each bank that is responsible for the terms towards its customers.

What cut-off times will apply in the planned Nordic payment infrastructure and what will the payments cost?
How this will happen is answered by each bank. Each bank is responsible for the terms towards its customers.

When will Bankgiro payments be transferred to the planned Nordic payment infrastructure?
It is planned to take place gradually from spring 2024 to fall 2024.

How long messages will I be able to send with my transfers?
What each bank will offer is answered by the respective bank. Each bank is responsible for the terms towards its customers. However, the new planned infrastructure allows a message up to 140 characters long (unstructured reference).

Will I be able to continue using Bankgiro numbers in my invoices?
Yes, it will work. Your customers will be able to make payments to your Bankgiro number.

Will I be able to continue using OCR references in my invoices?
Yes, it will work. As long as Bankgiro and Plusgiro payments continue to be offered, the OCR references will also be used. It is important, however, that the OCR number in the invoice is correct. This because OCR references are checked by the payer's bank before they are sent. If the OCR reference is incorrect, the payment will be rejected (will not be forwarded).

What will happen to the payments during the period when, according to the current plan, they can come via both Bankgirot and the planned Nordic payment infrastructure?
Regardless of which way the payments arrive, they will be reported in the way that the bank offers, it can for example be in the Internet bank or via file-communication. More information is received by the bank, which is responsible for the terms towards its customers.

Will I receive two different types of reports during the potential transformation?
How this will happen is answered by each bank. Each bank is responsible for the terms towards its customers.

What are the differences and similarities between the existing and planned new products?
The main difference is that the banks develop their own product offerings for payments and reporting. There will be a common bank standard and a regulatory framework (NPC Credit Transfer Scheme Rulebook), which these product offerings are based on.

Customers who today have file communication directly with Bankgirot need to change this to instead have it directly with their bank.

How will the bank control payments before sent or received?
In general, it can be said that the controls carried out today will also be carried out for payments via the planned Nordic payment infrastructure. One such is the control of the OCR reference for payments to Bankgiro/Plusgiro numbers that require such a reference.

What benefits and news are there in the planned Nordic infrastructure?
The planned Nordic infrastructure makes it possible to send more information between the banks, up to 140 characters. What each bank will offer is answered by the respective bank, who is responsible for the terms towards its customers. A novelty with the planned Nordic payment infrastructure is that account to account transfers in SEK can contain a structured reference. It can be compared to today's infrastructure which only offers this for BG and PG payments through OCR reference.

How many invoices can be sent in the same payment in the planned Nordic Payment infrastructure?
It is possible to send up to 999 invoices in the same payment (including credit invoices) if the recipient bank accepts it (ERI).

Where is payment history stored?
Payment history will be stored at the customer’s bank.

How often will clearing and settlement take place in the planned Nordic payment infrastructure?
When it comes to the currency Swedish kronor (SEK), the planned Nordic payment infrastructure offers clearing and settlement once an hour during the currency’s opening hours for account-to-account transfers, salaries, and giro payments.

Please note that the services are bank specific, and that the customer benefit depends on the sending and receiving banks’ systems and integration with P27.

How will the cut-off times look like for SEK?
For normal payments via the planned Nordic infrastructure, product independent settlement is offered continuously during the day. Compared to how it works today, cut-off times are improved, and payment orders can be sent in later and reach the recipient the same day. Cut-off times are bank-specific, however, all payment products can be sent in and executed on the same day until the Riksbank closes for settlement of SEK.

Will OCR numbers still be possible to use?
Yes, it will work. As long as Bankgiro and Plusgiro payments continue to be offered, the OCR references will also be used. It is important, however, that the OCR number in the invoice is correct. This because OCR references are checked by the payer's bank before they are sent. If the OCR reference is incorrect, the payment will be rejected (will not be forwarded).

Payment image file

What is a payment slip image?
A payment slip image is a scanned image of a payment slip with a message field and it is generated if the payment slip has been used via a so-called envelope service. The payment slip image is then presented to the payee. Payment slips with pre-printed OCR references, so-called OCR slip, are never converted into payment slip images.

Why are payment slip images not planned to be offered in the planned new payments infrastructure?
In the planned Nordic payment infrastructure with the new format ISO20022, payments are converted via envelope services with valid characters to follow the same accounting structure as other payments. An improvement compared to the existing services is that the payer's name and address are included in the payment information. Only a small number of payments today generates payment slip images, which means that this change potentially only affects about one per thousand of all payments.

I regularly look at images of payment slips via my Internet bank, what should I do when these are not available in the new planned payments infrastructure?
Payment slip images will not be needed in the new planned payments infrastructure as the information from the payment slip will be reported in the same way as other payments. The payment information will also contain the payer's name and address for payments made via an envelope service.

I receive a payment image file with payment slip images today, how do I get this information in the future?
Payment slip images will not be needed as the information from the payment slip will be reported in the same way as other payments. The payment information will also contain the payer's name and address for payments made via an envelope service.

Can I never get payment slip images in the planned Nordic payment infrastructure?
In exceptional cases, such as certain complaint cases when a payment is made via a so-called envelope service, a payment slip image can be created if the payer has used a payment slip with a message field.

How can I see those who have paid, and why it is paid, if I can no longer look at a payment slip image?
The information (message) provided by the payer with valid characters is converted electronically to follow the same accounting structure as other payments, including the payer's name and address.

Will my customers be able to continue paying with payment slips?
Yes, your customers who have a so-called Envelope service will be able to continue using payment slips as today. It is above all important that you who create/send payment slips to your customers ensure the quality of them as these payment slips are read by machines. Contact your bank for help with the quality assurance of payment slips.

Will I receive messages that my customer has entered on a payment slip?
Yes, if the payer used a payment slip intended to leave a message. The prerequisites are that the payer has written clearly, used the approved characters as well as the number of characters that are allowed according to the bank's conditions for the envelope service. A maximum of 70 characters is passed on to the payee.

I pay via an envelope service, how am I affected by the planned Nordic infrastructure?
You can continue to pay via the envelope service as long as your bank offers such a service. If you want to leave a message to the payee, you must use a payment slip that is intended to leave a message. It is important that you text clearly and use approved characters and do not exceed the number of characters specified by your bank's terms for the envelope service.

I am a payee who receives payments via envelope services, how am I affected by the planned Nordic infrastructure?
Apart from the fact that you will not receive payment slip images in your report, all payments will be reported in the same way, i.e., information from the payer and information about the payer's name and address.

If I receive payment image files today, what should I do?
If you receive payment image files today, you may need to change your processes of payments for payment image files to be able to use the new planned payments infrastructure. These can be received as unstructured references. This means that some information will not reach the payee (e.g., a picture) depending on the payee's possibilities. Unlike today, the information about who paid and the person’s address will be included in the report. How this information is presented/reported is answered by each bank.

OCR

Will I be able to continue using OCR references in my invoices?
Yes, it will work. As long as Bankgiro and Plusgiro payments continue to be offered, the OCR references will also be used. It is important, however, that the OCR number in the invoice is correct. This because OCR references are checked by the payer's bank before they are sent. If the OCR reference is incorrect, the payment will be rejected (will not be forwarded).

For how long can I use my Plusgiro number and Bankgiro number?
It will remain until further notice.

Will hard and soft control remain?
Hard and soft control is something that is determined by the payee and will remain as long as banks offer this to payees.

Will the length control remain for the giro numbers?
Yes, as long as banks offer this.

Will there be OCR control also for file payments?
Yes, in general, OCR checks will be performed on file payments. The new ISO standard uses so-called XML files and in these only reference fields marked with SCOR will be validated.

Existing file services work as they do today.

Will OCR be validated via the LB routine during the transition period?
No, it will work as it does today.

Will there also be transactions via the planned Nordic payment infrastructure in the file for Bankgiro payments?
No, transactions via the planned Nordic payment infrastructure are reported directly from the bank.

Will there be hard control in the Internet banks (the banks’ digital service) as today?
As long as alias is used, it will be as it is today.

It is possible to open a new Bankgiro number or Plusgiro number/Alias with the existing regulations during the transformation period?
Yes.

Is it possible to use OCR-payment slips for the envelope services in the new planned payments infrastructure?
Yes.

Salaries, pensions, and allowances

Preparation for the transformation?
Companies and system vendors need to prepare to be able to continue making their payments via the new planned payments infrastructure. Possibly also create new internal processes to be able to make payments.

The banks also need to inform about what they will offer for products/services and when they switch to the new format The Swedish rule that says when the payment should be booked remains.

How do I know which services, formats, and so-called cut-off times that are planned?
It is important that you, as a customer, have a dialogue with your bank to understand what exactly your bank plans to introduce for services, format requirements, and so-called cut-off times, so that you as a customer get to know how you need to adapt your systems and internal processes.

Will the bank offer payment reports on paper?
What banks will offer is answered by each bank.

Will employees still receive their salary/pension/allowance deposited in the account at 00.01 on the payday?
Yes.

What does my company need to do regarding the planned changes for salary, pension, and allowance?
The company needs to talk to its bank to find out more about the changes as some parts are bank specific. The company further needs to talk to its system vendor and any payroll agency to ensure that they can handle the new format in time. The recipient’s name must be included in the file.

How long in advance does my company need to contact its system vendor and bank regarding a potential switch to the new planned payments infrastructure?
They should be contacted as soon as possible after you have read this information. Keep in mind that changes to your internal processes can also take time. Likewise, the possible transition to a new format.

Are there any other products than salary, pension, and allowance that will change in the new planned payments infrastructure compared to the existing services?Yes. To find out what will change you need to talk to your bank.

When do I have to send the salary file to the bank at the latest?
Extended cut-off time can be possible in the planned Nordic infrastructure. You need to talk to your bank to find out what applies to your particular bank.

Common for private and corporate customers

Money order

I make regular payments via money order to recipients for whom I do not have account information, what should I do?
If the planned new payment infrastructure will not offer money order, your way of handling / administrating new registrations (your processes) must be changed so that you collect account information for recipients. Alternatively, contact a bank that offers the service money order.

My customer/counterpart does not want to provide their account number, what should I do?
In these cases, it will potentially not be possible to send a payment in the planned Nordic payment infrastructure. Contact your bank to see what options are available.

My customer/counterpart does not have an account, what should I do?
Encourage your customer to open an account in a Swedish bank. According to current law, all private individuals who are legally residents in the EU have the right to an account in Sweden.

I make regular payments to recipients for whom I do not have account information by sending a money order (for a first payment, salary, pension, etc.) - what should I do?To make a payment in the new planned payments infrastructure, you potentially need an account number. Alternatively discuss with your bank.

I make regular payments of a single nature (claims settlement, refunds, etc.), what do I need to do?
You potentially need to either change your handling/administration (your processes) so that an account number is obtained when registering a case in the new planned payments infrastructure. Discuss with your bank how to best make your payments.

I handle estates (dödsbon) for customers, how do I do in the new planned payments infrastructure?
Ensure that the deceased's account is not closed until all payments have been received (from the Swedish Tax Agency, insurance companies, pension institutions, etc.). you can also contact your bank to see what options are available.

What should a recipient for an estate do in the new planned payments infrastructure?
Do not close the deceased's account until all payments have been received (from the Swedish Tax Agency, insurance companies, pension institutions, etc.).

I will make a payment to an estate (dödsbo), what should I do in the new planned payments infrastructure?
Normally, the deceased's account will not be closed in the next few months, thus an account deposit should work as usual. Contact the estate (dödsbo) when the account number of the deceased is missing.

Will I be able to receive a money order in the future?
It is up to each bank to offer the service if it will not be offered in the planned new payment infrastructure.

If I receive a money order, where can I redeem it?
It depends on who issued the money order.

ERP related questions

What do the banks need to do? Do they need to hire a lot of developers to develop new services? Or are we as system vendors going to have to carry the big load?
P27 is developing the platform for the new planned payment infrastructure and those banks deciding to migrate to the new planned payments infrastructure banks need to develop and adapt their systems, products, and services for payments. The adjustments that most banks need to make in their systems are of significant size. We must not forget that today's payment infrastructure has existed for more than 40 years and that its systems have been integrated far into the banks' own systems. Exactly how much you as a system vendor need to do, we do not know exactly. But the perception we have from dialogues in the last 2 years is that it is at least not about very big changes. Hence, our assessment today is that it is not the system vendors who need to do the most.

Our customers are a little worried that there will be a big change, can you give them some advice about what they can do already? Or how should they think about this?
First, I want to say that they should not have to worry. It is natural to feel some anxiety in the face of such a major change, which is the biggest in at least 50 years, however, there is time for preparation. One should, as I mentioned earlier, keep in mind that in the new planned payment infrastructure, file communication takes place directly with the bank and thus it is important to have a file format adapted to the bank. Most banks can already handle ISO formats today and I recommend that your customers have a dialogue with you and their bank about what they can do today to prepare.

P27's and Bankgirot's services, at least, during a transitional period will operate in parallel so that the potential transformation to the planned new payment infrastructure can be done in a safe and secure manner. The advice we would like to give is that your customers should listen to their bank and see what their bank will offer in the future. New solutions and opportunities can enable the company's processes to change in a positive direction. Some functions that the company uses today may disappear, and in such case, you need to analyse the impacts. For most people, it will be a quiet journey during the transformation.

Is there a requirement that the ISO20022 file must contain a bank account number?
If it is an account-to-account transfer (for example salary) then the answer is YES.

A bank account number is NOT needed if it is a payment to a Bankgiro number or a Plusgiro number. In that case, it must contain a Bankgiro number or a Plusgiro number.

Can you recommend converting ISO20022 files to BGMAX files (or the format you have) as a temporary solution until the infrastructure has "landed"? Is the format (in terms of content) so similar to the existing ones that this is possible?
If possible, you should avoid converting as there is no 1-to-1 ratio between the different formats.

As a temporary solution, however, conversion may be necessary in certain situations. In that case, you should of course do so.

Can individual banks have their own action plans so that they, for example, deny the current file format earlier than the P27 transformation plan?
Yes, the date for the transition of the file traffic to the bank is set completely individually by the respective bank. However, all banks that decide to migrate need to adhere to the last date for this.

For ERI / aggregated payment, will there be a total price or price per incoming payment/reference?
Contact your bank for information about what the bank offers and the price for this.

Sealing of pay-out files, will it be a standardized process, or is it up to each bank to choose the way to seal?
What each bank will offer may vary. Contact your bank for more information.

What NEW payment products that we do not have today do you see that realistically could arise within P27?
Only imagination sets the limits. In the short run, it is mostly about the possibility for banks to offer more customized products for their customers compared to today’s products that are of the type “one size fits all”.

Will all Credit Transfer payments that go into the potential new clearing be settled as real-time payments or will it be like today (x number of settlement opportunities per day)?
SEK Batch is planned to have 10 possible settlement rounds per day. The main difference is that today's settlement rounds are completely product-oriented, which the potential future settlement rounds will not be. This means that there will be an opportunity to receive large parts of their report early in the day. Exactly what the banks will offer can only be answered by each bank.

In the case of SEK Instant, such payments are settled per transaction and in real-time.

What is the difference between CINV and SCOR?
SCOR is a reference that must be validated (with a check digit). RF and OCR references are typical ones. CINV is also a structured reference, but it does not need to be validated. It can be, for example, an invoice number.

It is possible to send a payment with a CINV to a BG number with hard OCR control?
Yes, unless the bank to which the payment file is sent does not stipulate differently in its MIG.

It is correctly understood that a SCOR payment can have a Swedish OCR reference or RF reference, but these reference numbers can be structured in different ways? Swedish OCR can have length digit and control digit while RF reference only has control digit, is that correct?
There is a clear difference between these two types of references. The visible difference is that an RF reference always starts with the letters RF while an OCR reference never has letters.
When initiating with a file, the type of SCOR reference stated in the field is specified - which means that the bank knows how to validate it.

Will RF numbers be supported instead of traditional OCR (in the SCOR field)?
Yes, unless the bank to which the payment file is sent does not stipulate differently in its MIG.

Will it not be possible to send structured references, such as scores for an account deposit, due to the new payment infrastructure?
SCOR can only be an RF reference if it is sent to an account number, i.e., IBAN.

Regarding reports for payments received to our account, will the format of these files be affected?
This will highly likely happen. To get knowledge about when it happens and what the alternatives are, you need to contact the respective bank.

Is it possible for banks not to join the infrastructure and may an ERP provider need to support several formats/standards?
The banks will choose for themselves whether or not to migrate to the new planned payments infrastructure. According to our knowledge, all banks are currently planning to participate in the new infrastructure. In the new payment infrastructure, ISO20022 will be used (i.e., the same standard). Banks can, however, offer slightly different file communication services, hence contact your bank for more information.

What will happen with Autogiro?Bankgirot will decide the future of Autogiro. The planning of the potential transformation of Autogiro and Bankgiro e-Faktura is in progress. Information will be provided when there is a developed transformation plan for these services.

Will the payment function Autogiro be available in the new structure?
In the future payment infrastructure, it is planned for some form of automatic payments with a similar customer experience as the direct debit service. The planning of the transformation of Autogiro and Bankgiro e-Faktura is in progress. Information will be provided when there is a developed transformation plan for these services

Is it correctly understood that Autogiro, as the product is known today, will disappear and be replaced by Request to Pay due to the new infrastructure?
Bankgirot will decide the future of Autogiro. The planning of the potential transformation of Autogiro and Bankgiro e-Faktura is in progress. Information will be provided when there is a developed transformation plan for these services.

Does ERI require an aggregated payment?
Yes, ERI is a term used for a payment with several underlying references and amounts, an aggregated payment.

How does the recipient receive information about which invoices/credit notes the payment refers to if the payment contains more than 15 references?
ERI makes it possible to have up to 999 references. If the recipient bank offers ERI, it will be reported in the way the recipient bank offers.

Does the OCR control work even if the user sends multiple invoices via ERI? And then specifies that two of the invoices are credit and one is debit?
Yes.

Can the banks, for example, debit union fees for SALA payment (as done today)?
What each bank will offer may vary. Contact your bank for more information.

Will senders be able to choose whether payments initiated in a file should be booked in bulk or booked individually?
In general, there is that possibility. However, what each bank will offer may vary. Contact your bank for more information.

What are the differences in the handling of the payment types: SALA, PENS, and SSBE?
In general, there is no difference between these three "Category Purpose Codes". However, they differ from other account to account transfers because they are credited to the recipient's account at 00:01.

Can there be several payments with the same recipient, reference, and amount in the same file?
Yes, unless the bank to which the payment file is sent does not stipulate differently in its MIG.

Today, we use BG payments and Autogiro payments, which we have chosen to collect in one report and in the same file daily for all our customers. Our customers have all optional banks, and this function is available through Bankgirot today. Will there be corresponding mass handling functions at the banks in the new planned payments infrastructure?
No, the reports will be handled by each bank. Depending on what this looks like and what each bank offers, there may be opportunities to "merge it" at a later stage.

How does the sender of a payment send a structured payment with CINV, does the sender himself fill in a field in a banking system? I ask because in a receiving system of payment we want to know how secure that reference is when we allocate the payment.
It differs a little depending on how the payer initiates this. If the payer initiates the payment by submitting a payment file in the PAIN format, the payer sets the CINV parameter himself. If the payer initiates the payment via one of the bank's digital channels, the parameter is set by the bank - in these cases it cannot be assumed that there will be a structured reference with the parameter CINV.

How exactly must the payee's name match the payment orders? Spelling, abbreviated company names, etc.?
There will not be any controls of spelling or similar.

Will mobile phone numbers also be released as aliases for more general use than Swish only?
It remains to see. At least there is nothing that makes this impossible in the new payment infrastructure.

What are NPC Schemes?
NPC has currently published two regulations; NPC Credit Transfer Scheme (published in December 2019) and NPC Instant Credit Transfer Scheme (published in February 2020). These regulations are sets of rules, methods, and format descriptions to achieve interoperability for bank-to-bank transfers for Swedish and Danish kronor, either as so-called batch payments or real-time payments. The regulations are written on a conceptual level and to these are various implementation guides and recommendations linked. The regulations are based on, and are very similar to, the regulations for payments that the European Payments Council (EPC) provides for Euros within the Single Euro Payment Area (SEPA) and the message format ISO20022.

What distinctions from the SEPA standard have been decided?
Banks and payment institutions can join one or both currencies (Swedish kronor, SEK, and Danish kroner, DKK) and one or more schemes.
Banks and payment institutions can choose whether they intend to receive cross-border payments.
In addition to IBAN, which defines a recipient account, an Alias / Proxy can also be used by the customer and will in these cases be forwarded to the recipient bank in a new separate attribute (AT-25).
The new Nordic regulations make it possible to send payments with ERI (Extended Remitted Information) and payments without ERI in the same file. This applies to the banks that have chosen to accept ERI and offer services that make it possible. The underlying amounts in an ERI payment will be validated against the total amount of the payment message. An ERI payment can include credit invoices – the total amount must exceed SEK 0.00.
Mandatory validation of the structured references OCR and RF references.
The set of characters allows Scandinavian characters and @.
Amounts can be up to 11 digits (9 digits for SEPA payments).
Some differences in the use of Local Instrument, Charge Bearer, and Service Level.