Prepare your payment files for P27

On this site, changes in formats followed by P27 will be presented. Here you can read more about how you are affected by the transition to ISO 20022 XML, how to prepare and validate your payment files for P27 and see the most frequently asked questions about ISO 20022 XML.

This site will continuously be updated to help you prepare your payment files for P27. 
Latest update 22 June 2022

How are you affected by the transition to ISO 20022 XML
The transition to ISO 20022 XML is related to the new P27 clearing. The P27 clearing will open up for Swedish domestic payments in May, 2023 and other payment types will follow. Only ISO 20022 XML will support all features that the P27 clearing enables. Therefore, we encourage all customers to switch to the ISO 20022 XML format. However, the exact changes you need to make depend on how you initiate Swedish domestic payments today and how you wish to do so going forward.

How do I validate my payment files?

If you want to validate your pain.001.001.03 payment initiation files as part of the transition to XML, you can use our file validation tool.

Open validation tool

FAQ about ISO 20022 XML

  • Do I need to change file format?

    If you initiate Swedish domestic payments via:

    • ISO 20022 XML you can continue to use the format.
    • EDIFACT you can continue to use the format with limited support for new features.
    • Danske Bank formats you can continue to use the format with limited support for new features.
    • MT101 you can continue to use the format with limited support for new features.
    • Bankgirot's formats for Bankgiro supplier- and salary payments you must switch to ISO 20022 XML before March 1. 2023. (Customers using this service can NOT see payment details in the List of outgoing payments screen in District when sending payment files to Danske Bank)
    • Bankgirot's formats for Danske Bank supplier- and salary payments you must switch to ISO 20022 XML before March 1. 2023. (Customers using this service CAN see payment details in the List of outgoing payments screen in District when sending payment files to Danske Bank)
  • How do I ensure that my Swedish salary payments in ISO 20022 XML format are confidential?

    A salary payment file in ISO 20022 XML is not confidential by default. This means that all the users on the agreement with mandate to view the account can to see the salary payments in District.

    If you want to ensure that your Swedish salary payment files are confidential and only District users with mandate to view confidential payments can see the salary payments, then you have two options:

    1. Mark the file confidential in the file registration in District before you send the file in District.
      Go to “Files” -> “Settings” -> “Settings for Files to the bank” 
      Click on “Create file registration”
      Add a name i.e. Salary
      Tick the boxes for “Active” and “Confidential” and click on “Save”



      When you upload your salary payment file, remember to select the file registration for salary payments.



    2. Add a ‘CONF’ tag in the salary payment file – see examples below. Please ask your ERP vendor for assistance.
      <PmtInf>
      <PmtInfId>PmtInfId</PmtInfId>
      <PmtMtd>TRF</PmtMtd>
      <PmtTpInf>
      <SvcLvl>
      <Cd>NURG</Cd>
      </SvcLvl>
      <CtgyPurp>
      <Prtry>CONF</Prtry>
      </CtgyPurp>

      </PmtTpInf>

      <CdtTrfTxInf>
      <PmtId>
      <InstrId>SE salary transferPmtInfId</InstrId>
      <EndToEndId>EndToEndId</EndToEndId>
      </PmtTId>
      <PmtTpInf>
      <CtgyPurp>
      <Cd>SALA</Cd>
      </CtgyPurp>

      </PmtTpInf>
  • Which payment date should I use for salary payments in ISO 20022 XML format?

    The payment date in <ReqdExctnDt> should be the date for when the beneficiary’s account will be credited.  The salary file must be sent to the bank at the latest at 12.30 the banking day before the payment date written in <ReqdExctnDt>.

    Ask your ERP-vendor how to set this up correctly in your system.
  • How do I bulk debet my payments in ISO 20022 XML format?

    When you send an ISO 20022 XML file to Danske Bank, then you can decide if you want your payments to be debited as single transactions or as a bulked amount. 
    To bulk debit a payment file, then the file must be structured with one debit transaction and two or more underlying credit transactions.

    Example:
    Single transactions (more <PmtInf> tags)

    <PmtInf> Start payment 1
    <DbtrAcct> Sender account payment 1
    <CdtTrfTxInf> Start credit payment 1
    <CdtrAcct> Beneficiary's account payment 1
    </CdtTrfTxInf> End credit payment 1
    </PmtInf> End payment 1
    <PmtInf> Start payment 2
    <DbtrAcct> Sender account payment 2
    <CdtTrfTxInf> Start credit payment 2
    <CdtrAcct> Beneficiary's account payment 2
    </CdtTrfTxInf> End credit payment 2
    </PmtInf> End payment 2


    Bulked transaction (One <PmtInf> tag and more <CdtTrfTxInf> tags)
    <PmtInf> Start bulk debit
    <DbtrAcct> Sender account bulk debit
    <CdtTrfTxInf> Start credit payment 1
    <CdtrAcct> Beneficiary's account payment 1
    </CdtTrfTxInf> End credit payment 1
    <CdtTrfTxInf> Start credit payment 2
    <CdtrAcct> Beneficiary's account payment 2
    </CdtTrfTxInf> End credit payment 2
    </PmtInf> End bulk debit

    Please reach out to your ERP vendor to set up your system to fit your needs

    Appendix B: Use of 2.3 BtchBookg gives detailed information about the <BtchBookg> tag and bulk debitering rules.

  • Which ISO 20022 XML reconciliation files can I get?

    Danske Bank supports the following reconciliation file in ISO 20022 XML formats:

    • camt.052.001.02 - Account report
    • camt.053.001.02 - Account statement with balance
      The file contains incoming and outgoing transactions including end of day balance
    • camt.054.001.02 - Debit credit notification - transaction list
      The file has several options:
      • Both Debit and Credit transactions
      • Only Debit transactions  (All debit transactions on the account or only debit transactions from ISO 20022 XML payment files)
      • Only Credit transactions (All credit transactions on the account)

    Please note! Bankgiro Recivebles (BGI) can be included  in CAMT053 (extended) and CAMT054.

    You can find more information about the reconciliation files here.

    To order the reconciliation files, you need to contact: ints@danskebank.com (Please provide account number, file type, UserID)

  • Which options do I have in a pain.002.001.03?

    For each pain.001.001.03 file, Danske Bank will create one or more pain.002.001.03 files (PSR)

    • Feedback on file level
    • Feedback on payment level

    Per default, a PSR on file level will be created and if any payment is rejected, then a PSR on payment level will be created too.

    In the pain.001.001.03 file, you can choose which type of PSR you want.

    Example:
    If you do not want any feedback on payment level, then the <Authstn> tag can be used.
    <Authstn>
    <Prtry>Feedback=XI</Prtry>
    </Authstn>

    Danske Bank offers several types of PSRs on payment level – see Appendix A: Use of 1.3 Authstn

  • How do I use invoices and credit notes in my domestic Swedish payments in ISO 20022 XML?

    If you want to include invoices and credit notes in your domestic Swedish payments in ISO 20022 XML format, then you need to follow some rules:

    • Only Swedish Bankgiro payments and Account transfers support invoices and credit notes
    • Invoices and credit notes must be sent in the same payment file
    • Invoices and credit notes must have the same date
    • OCR number cannot be used
    • Amount must be higher than 0 (zero) 
    • Credit notes will no longer be monitored 
    • Due to limitation in the current clearing channel in Sweden, we recommend to use only 10 <Strd> (Structured) tags with invoices and credit notes until P27 is live

    Appendix K provides more detailed information about how to use invoices and credit notes.


  • Which payment types and remittance information can I use for my Swedish payments?

    Danske Bank offer several Swedish domestic payment types:

    • Salary

    • Account transfer – short advice (Max. 12 characters)
    • Account transfer – long advice (Max. 525 characters) 
      • Beneficiary address must be included in the file  (<PstCd> and <TwnNm>)

    • Cash payment (will disappear when P27 is live)

    • Bankgiro Transfer – Text  (Max. 25 characters) 
    • Bankgiro Transfer – OCR reference (Max. 25 characters) 
    • Bankgiro Transfer – Long advice (Max. 525 characters)

    • Plusgiro Transfer – Text  (Max. 25 characters) 
    • Plusgiro Transfer – OCR reference (Max. 25 characters)
    • Plusgiro Transfer – Long advice (Max. 10*35)

    When P27 is live, Nordic Credit transfer and Nordic Salary will replace the above payment types and Beneficiary's name will be mandatory.

    Appendix L: Nordic Credit Transfers and Nordic Salary (only SEK and from Swedish accounts) provides more details´ about P27.



How to prepare your payment initiation files for P27

The table below gives you an overview of the requirements that have to be fulfilled when Swedish domestic payments are cleared through P27. Please note that P27 also offers new optional features that you can benefit from when the clearing is live in May 2023. For each format, you can see how to include the required information and how to use optional features after May 2023.

 

Field/FeatureP27 Mandatory or Optionalpain.001.001.03
MIG*
Examples
EDIFACT
MIG*
Examples
MT101
MIG*
Examples
Danske Bank format
MIG*
Examples 
When can I add the field/feature to my payment file
Creditor name MandatoryYesYes
Yes
Yes
Now
Unstructured advice max. 140 charOptional
Yes
Yes
Yes
YesNow***
OCR referenceOptional
Yes
Yes
Yes
Yes
Now**
InvoiceOptional
Yes
No
No
No
May 2023 at the earliest
RF referenceOptional
Yes
Partly - see MIGNo
Yes
May 2023 at the earliest
Extended Remittance InformationOptional
Yes
No
No
No
Partly - see Appendix K
Ultimate creditorOptional
Yes
No
No
No
Now - will be ignored
Ultimate debtorOptional
Yes
Yes
No
No
Now - will be ignored
SalaryOptional
Yes
Yes
No
Yes
Now


* Message Implementation Guide
** Already supported in local Swedish clearing
*** Already supported in local Swedish clearing as a payment with long form advice


ISO 20022 XML File Validation Tool

Here you can validate your pain.001.001.03 payment files to help make your ISO 20022 XML implementation successful.

Open validation tool

Formats by standard

Do you want to read more about the formats by standard?

Read more

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