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.

Open validation tool

 

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 fileExpected P27 go-live
Creditor name MandatoryYesYes
Yes
Yes
Now
May 2023 at the earliest
Unstructured advice max. 140 charOptional
Yes
Yes
Yes
YesNow***
May 2023 at the earliest
OCR referenceOptional
Yes
Yes
Yes
Yes
Now**
May 2023 at the earliest
InvoiceOptional
Yes
No
No
No
May 2023 at the earliest
May 2023 at the earliest
RF referenceOptional
Yes
Partly - see MIGNo
Yes
May 2023 at the earliest
May 2023 at the earliest
Extended Remittance InformationOptional
Yes
No
No
No
Partly - see Appendix KMay 2023 at the earliest
Ultimate creditorOptional
Yes
No
No
No
Now - will be ignoredMay 2023 at the earliest
Ultimate debtorOptional
Yes
Yes
No
No
Now - will be ignoredMay 2023 at the earliest
SalaryOptional
Yes
Yes
No
Yes
NowMay 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.

Open validation tool

Formats by standard

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

Read more