Prepare your payment files for P27
On this site, changes in formats followed by P27 will be presented. This site will continuously be updated to help you prepare your payment files for P27.
Latest update 4 May 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.
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 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. 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.
| Field/Feature | P27 Mandatory or Optional | pain.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 | Expected P27 go-live |
|---|---|---|---|---|---|---|---|
| Creditor name | Mandatory | Yes | Yes | Yes | Yes | Now | May 2023 at the earliest |
| Unstructured advice max. 140 char | Optional | Yes | Yes | Yes | Yes | Now*** | May 2023 at the earliest |
| OCR reference | Optional | Yes | Yes | Yes | Yes | Now** | May 2023 at the earliest |
| Invoice | Optional | Yes | No | No | No | May 2023 at the earliest | May 2023 at the earliest |
| RF reference | Optional | Yes | Partly - see MIG | No | Yes | May 2023 at the earliest | May 2023 at the earliest |
| Extended Remittance Information | Optional | Yes | No | No | No | Partly - see Appendix K | May 2023 at the earliest |
| Ultimate creditor | Optional | Yes | No | No | No | Now - will be ignored | May 2023 at the earliest |
| Ultimate debtor | Optional | Yes | Yes | No | No | Now - will be ignored | May 2023 at the earliest |
| Salary | Optional | Yes | Yes | No | Yes | Now | May 2023 at the earliest |
* 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.
Formats by standard
Do you want to read more about the formats by standard?
