# Pay by Link integration guide
source: https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/accept-payments/pay-by-link/index.md
Pay-by-Link is an extension of our Accept Payments offer that provides
the capability to create long-lived link that enables receipt of a
single payment from a payer. The Payer can retry the payment when an attempt is not successful by simply clicking the payment link again.
The steps to start using Pay-by-Link are similar to our Accept Payments
product:
1. Get an API key
2. Onboard a payment destination
3. Request a *Pay-by-Link* payment
4. Send the link to the authorisation flow to your customer.
5. Present the payment status to the customer
6. Receive status updates through webhooks.
### Actors {#actors}
When using Accept Payments it is important to identify all the actors
and their roles.
* **The payee** /**payment recipient**: The company or person receiving the payment.
* **The payer**: The person that sends money to the payee.
* **The integrator**: The company integrating Aiia Pay in their solution. Sometimes the integrator and the payee are a single entity, if a company is integrating directly into Aiia Pay to receive payments from their customers.
### Step 1: Get an API Key {#step-1-get-an-api-key}
As an integrator, you need to register to Aiia Pay through our
Developer Portal and acquire a `ClientId` and `Secret`. The
detailed flow is described in the step "Get your credentials" of the
[Quick Start Guide](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/quickstart/index.md). You only
need the `ClientId` and `Client Secret` to continue to the next step.
### Step 2: Onboard a payment destination. {#step-2-onboard-a-payment-destination}
Before requesting a payment you need to onboard a *destination*
to Aiia Pay. This onboarding is needed to satisfy Anti-Money-Laundering
(AML) regulations and Know-Your-Customers (KYC) requirements.
To onboard a destination, you need to initiate the process to
onboard a new payee by starting the [Connect](https://api.aiia.eu/latest/index.html#tag/Connect/paths/~1v1~1oauth~1connect/get) flow with the
`payments:inbound` scopes. The payee is then guided through a KYC verification process, and will become verified for
payments automatically. This process will onboard the payee's bank
account to Aiia Pay so that it can be used as a destination for a payment.
After onboarding the payee's account, you can retrieve information
about the account using the [Get
Accounts](https://api.aiia.eu/latest/index.html#tag/Accounts) API
call.
* The KYC/verification process is asynchronous and will be performed independently between Aiia Pay and the payee. The destination will not be usable to create payments before the process completes. You can check if the process has been completed by checking the `verifiedForPayments` flag on the onboarded account.
* To request a payment, you need the value of the `destinationId` field. Note that this is not the account Id, it is a separate, dedicated field called `destinationid`.
### Step 3: Request a payment {#step-3-request-a-payment}
After the initial onboarding, you are ready to start creating payments. You can do so by using the Create Payment Link endpoint.
API Reference: `POST /v2/payments/accept/links`
There are a few important options when creating a payment:
* Payment's `amount` and `currency`: Used to define the transferred amount.
* `DestinationId`: The id of the destination as created in the previous step.
* `Scheme`: A scheme defines *how* a payment will be executed and the set of options that are available for the payment. The chosen scheme defines what settings are supported and how the rest of the fields should be interpreted. See the following section on schemes for more details.
* `Reference`: A reference contains a string that allows the Payer and the payee to uniquely identify the payment. The interpretation of the reference field depends on which *scheme* was chosen. For some schemes it is a freestyle transaction text, for others it needs to follow a specific format.
* `Date`: The payment date defines the date where the payment will be sent from the Payer's account. Depending on the chosen scheme, settlement times might delay the reception of the payment to a later date. If not specified then the payment will be sent as soon as possible. If the date is a non-banking day, it will be scheduled to the following banking day.
* `Language`: The language that is chosen for the user interface. If not specified it will default to the Payer's browser language. The format must be in ISO 639-1 (for example "en", "da" or "sv").
* `PreselectedCountry`: Controls which banks are initially visible in the bank selection screen. The Payer can still change the selected country manually when in the authorization flow. This option does not limit which banks are available for the Payer to choose.
In addition to these options, you will have to specify an URL pointing
to where the Payer should be sent back after authorizing the payment.
After successfully creating a payment, Aiia Pay reply with:
* A *payment authorization link*, which will be used in the next step.
* A *payment id*, which can be used to get the payment status (Step 5).
#### Payment Schemes {#payment-schemes}
Different banks and clearing mechanisms usually impose different
restrictions depending on which payment method is chosen. Schemes
are used to select which payment method should be used for a
payment. Aiia Pay and the banks will then impose a different set of
restrictions specific to the scheme.
For example, Aiia Pay supports *Danish domestic transfers* or
*Norwegian domestic transfers* . It is not possible to perform a *Danish
Domestic transfer* using a Norwegian bank. it is also not possible to
perform a *Danish Domestic transfer* using Norwegian kronas. This set
of restrictions are made visible through Schemes. Schemes enables
you to stay in control on how the bank transfer gets executed.
Specifically, schemes control:
* Which currencies are accepted
* Which banks are available
* The interpretation of the *Reference* field
* The minimum and maximum transfer amounts
* Which countries can be chosen in the *PreselectedCountry* field
* Other differences of the scheme
Here is a list of supported payment schemes:
***Last Updated: 3 December 2024.***
Scheme for SEPA account to account credit transfer.
##### Scheme Id: AustrianSepaCreditTransfer {#scheme-id-austriansepacredittransfer}
##### Currency: EUR {#currency-eur}
##### Properties {#properties}
| Property | Description | Validation Regex | Validation Description | Required |
|------------|----------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------|----------|
| Reference | Non-obligatory payment reference field | \^\[A-Za-z0-9 ?:().,'/-\]{0,35}$ | May not be longer than 35 characters from the accepted list | False |
| Identifier | Not used in this scheme | N/A | N/A | False |
| Currency | Determines the currency that the payment will be made in | \^EUR$ | Must be EUR | True |
| Amount | The amount to be paid | (?=(?:\^\[0-9\]*\[1-9\]+\[0-9\]* .?\[0-9\]*$)\|(?:\^\[0-9\]* .\[0-9\]*\[1-9\]+\[0-9\]* $))\[0-9\]*.?\[0-9\]* | Must be number larger than 0 | True |
##### Available Providers {#available-providers}
| Provider Name | Provider Code |
|---------------|---------------|
Scheme for domestic Danish account to account credit transfer.
##### Scheme Id: DanishDomesticCreditTransfer {#scheme-id-danishdomesticcredittransfer}
##### Currency: DKK {#currency-dkk}
##### Properties {#properties}
| Property | Description | Validation Regex | Validation Description | Required |
|------------|----------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|---------------------------------------------------|----------|
| Reference | Non-obligatory payment reference field | \^\[A-Za-z0-9 \]{0,20}$ | May not be longer than 20 alphanumeric characters | False |
| Identifier | Not used in this scheme | N/A | N/A | False |
| Currency | Determines the currency that the payment will be made in | \^DKK$ | Must be DKK | True |
| Amount | The amount to be paid | (?=(?:\^\[0-9\]*\[1-9\]+\[0-9\]* .?\[0-9\]*$)\|(?:\^\[0-9\]* .\[0-9\]*\[1-9\]+\[0-9\]* $))\[0-9\]*.?\[0-9\]* | Must be number larger than 0 | True |
##### Available Providers {#available-providers}
| Provider Name | Provider Code |
|---------------------------------------|-----------------------------------|
| Alm. Brand Bank | DK_AlmBrandBank |
| Alm. Brand Bank Erhverv | DK_AlmBrandBankErhverv |
| Andelskassen Fælleskassen | DK_AndelskassenFaelleskassen |
| Andelskassen Oikos | DK_AndelskassenOikos |
| Arbejdernes Landsbank | DK_ArbejdernesLandsbank |
| BankNordik | DK_BankNordik |
| Bank Norwegian | DK_BankNorwegian |
| Basisbank | DK_Basisbank |
| Borbjerg Sparekasse | DK_BorbjergSparekasse |
| Broager Sparekasse | DK_BroagerSparekasse |
| Coop Bank | DK_CoopBank |
| Andelskassen | DK_DanskeAndelskassersBank |
| Danske Bank | DK_DanskeBank |
| Danske Bank Business Online | DK_DanskeBankErhverv |
| Djurslands Bank | DK_DjurslandsBank |
| Djurslands Bank Erhverv | DK_DjurslandsBankErhverv |
| DNB | DK_Dnb |
| Dragsholm Sparekasse | DK_DragsholmSparekasse |
| Dronninglund Sparekasse | DK_DronninglundSparekasse |
| Facit Bank | DK_FacitBank |
| Fanø Sparekasse | DK_FanoeSparekasse |
| Faster Andelskasse | DK_FasterMobilbank |
| Folkesparekassen | DK_Folkesparekassen |
| Forbrugsforeningen | DK_Forbrugsforeningen |
| Frøs Sparekasse | DK_FroesHerredsSparekasse |
| Frørup Andelskasse | DK_FrorupAndelskasse |
| Frøslev-Mollerup Sparekasse | DK_FroslevMollerupSparekasse |
| Fynske Bank | DK_FynskeBank |
| Hvidbjerg Bank | DK_HvidbjergBank |
| Sparekassen Danmark (tidl. Jutlander) | DK_Jutlander |
| Jyske Bank | DK_JyskeBank |
| Jyske Bank Erhverv | DK_JyskeBankErhverv |
| Klim Sparekasse | DK_KlimSparekasse |
| Kreditbanken | DK_Kreditbanken |
| Kreditbanken Erhverv | DK_KreditbankenErhverv |
| Lån \& Spar | DK_LaanOgSpar |
| Lægernes Pension \& Bank | DK_LaegernesPensionsbank |
| Langå Sparekasse | DK_LangaaSparekasse |
| Lollands Bank | DK_LollandsBank |
| Lunar | DK_LunarWay |
| Maj Bank A/S | DK_MajBank |
| Merkur Andelskasse | DK_MerkurAndelskasse |
| Middelfart Sparekasse | DK_MiddelfartSparekasse |
| Møns Bank | DK_MonsBank |
| Nordea | DK_Nordea |
| Nordea Erhverv | DK_NordeaErhverv |
| Nordfyns Bank | DK_NordfynsBank |
| Nordfyns Bank Erhverv | DK_NordfynsBankErhverv |
| Nordjyske Bank | DK_NordjyskeBank |
| Nordjyske Bank Erhverv | DK_NordjyskeBankErhverv |
| Nykredit | DK_Nykredit |
| Østervrå Andelskasse | DK_OestervraaAndelskasse |
| PenSam Bank | DK_PenSamBank |
| Ringkjøbing Landbobank | DK_RingkjobingLandbobank |
| Ringkjøbing Landbobank Erhverv | DK_RingkjobingLandbobankErhverv |
| Rise Sparekasse | DK_RiseFlemloeseSparekasse |
| Rønde og Omegns Sparekasse | DK_RoendeOgOmegnsSparekasse |
| SEB | DK_SEBWealthManagement |
| Skjern Bank | DK_SkjernBank |
| Skjern Bank Erhverv | DK_SkjernBankErhverv |
| Sønderhå-Hørsted Sparekasse | DK_SoenderhaaHoerstedSparekasse |
| Sparekassen Balling | DK_SparekassenBalling |
| Sparekassen Bredebro | DK_SparekassenBredebro |
| Sparekassen Den Lille Bikube | DK_SparekassenDenLilleBikube |
| Sparekassen Djursland | DK_SparekassenDjursland |
| Sparekassen for Nr. Nebel \& Omegn | DK_SparekassenForNrNebelOgOmegn |
| Sparekassen Kronjylland | DK_SparekassenKronjylland |
| Sparekassen Sjælland-Fyn | DK_SparekassenSjaelland |
| Sparekassen Sjælland-Fyn Erhverv | DK_SparekassenSjaellandFynErhverv |
| Sparekassen Thy | DK_SparekassenThy |
| Sparekassen Danmark | DK_SparekassenVendsyssel |
| Spar Nord | DK_SparNordBank |
| Stadil Sparekasse | DK_StadilSparekasse |
| Swedbank | DK_SwedbankDK |
| Sydbank | DK_Sydbank |
| Sydbank Erhverv | DK_SydbankErhverv |
| Sydjysk Sparekasse | DK_SydjyskSparekasse |
| Totalbanken | DK_Totalbanken |
| Vestjysk Bank | DK_VestjyskBank |
Scheme for instant domestic Danish account to account credit transfer.
##### Scheme Id: DanishDomesticCreditTransferInstant {#scheme-id-danishdomesticcredittransferinstant}
##### Currency: DKK {#currency-dkk}
##### Properties {#properties}
| Property | Description | Validation Regex | Validation Description | Required |
|------------|----------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|-----------------------------------------------------|----------|
| Reference | Non-obligatory payment reference field | \^\[A-Za-z0-9 \]{0,20}$ | May not be longer than 20 alphanumeric characters | False |
| Identifier | Not used in this scheme | N/A | N/A | False |
| Currency | Determines the currency that the payment will be made in | \^DKK$ | Must be DKK | True |
| Amount | The amount to be paid | (?=(?:\^\[0-9\]*\[1-9\]+\[0-9\]* .?\[0-9\]*$)\|(?:\^\[0-9\]* .\[0-9\]*\[1-9\]+\[0-9\]* $))\[0-9\]*.?\[0-9\]* | Must be number larger than 0 and lower than 500 000 | True |
##### Available Providers {#available-providers}
| Provider Name | Provider Code |
|---------------------------------------|-----------------------------------|
| Alm. Brand Bank | DK_AlmBrandBank |
| Alm. Brand Bank Erhverv | DK_AlmBrandBankErhverv |
| Andelskassen Fælleskassen | DK_AndelskassenFaelleskassen |
| Andelskassen Oikos | DK_AndelskassenOikos |
| Arbejdernes Landsbank | DK_ArbejdernesLandsbank |
| BankNordik | DK_BankNordik |
| Basisbank | DK_Basisbank |
| Borbjerg Sparekasse | DK_BorbjergSparekasse |
| Broager Sparekasse | DK_BroagerSparekasse |
| Coop Bank | DK_CoopBank |
| Andelskassen | DK_DanskeAndelskassersBank |
| Djurslands Bank | DK_DjurslandsBank |
| Djurslands Bank Erhverv | DK_DjurslandsBankErhverv |
| Dragsholm Sparekasse | DK_DragsholmSparekasse |
| Dronninglund Sparekasse | DK_DronninglundSparekasse |
| Facit Bank | DK_FacitBank |
| Fanø Sparekasse | DK_FanoeSparekasse |
| Faster Andelskasse | DK_FasterMobilbank |
| Folkesparekassen | DK_Folkesparekassen |
| Forbrugsforeningen | DK_Forbrugsforeningen |
| Frøs Sparekasse | DK_FroesHerredsSparekasse |
| Frørup Andelskasse | DK_FrorupAndelskasse |
| Frøslev-Mollerup Sparekasse | DK_FroslevMollerupSparekasse |
| Fynske Bank | DK_FynskeBank |
| Handelsbanken | DK_Handelsbanken |
| Hvidbjerg Bank | DK_HvidbjergBank |
| Sparekassen Danmark (tidl. Jutlander) | DK_Jutlander |
| Jyske Bank | DK_JyskeBank |
| Jyske Bank Erhverv | DK_JyskeBankErhverv |
| Klim Sparekasse | DK_KlimSparekasse |
| Kreditbanken | DK_Kreditbanken |
| Kreditbanken Erhverv | DK_KreditbankenErhverv |
| Lån \& Spar | DK_LaanOgSpar |
| Lægernes Pension \& Bank | DK_LaegernesPensionsbank |
| Langå Sparekasse | DK_LangaaSparekasse |
| Lollands Bank | DK_LollandsBank |
| Lunar | DK_LunarWay |
| Maj Bank A/S | DK_MajBank |
| Merkur Andelskasse | DK_MerkurAndelskasse |
| Middelfart Sparekasse | DK_MiddelfartSparekasse |
| Møns Bank | DK_MonsBank |
| Nordea | DK_Nordea |
| Nordea Erhverv | DK_NordeaErhverv |
| Nordfyns Bank | DK_NordfynsBank |
| Nordfyns Bank Erhverv | DK_NordfynsBankErhverv |
| Nordjyske Bank | DK_NordjyskeBank |
| Nordjyske Bank Erhverv | DK_NordjyskeBankErhverv |
| Nykredit | DK_Nykredit |
| Østervrå Andelskasse | DK_OestervraaAndelskasse |
| PenSam Bank | DK_PenSamBank |
| Revolut | DK_Revolut |
| Ringkjøbing Landbobank | DK_RingkjobingLandbobank |
| Ringkjøbing Landbobank Erhverv | DK_RingkjobingLandbobankErhverv |
| Rise Sparekasse | DK_RiseFlemloeseSparekasse |
| Rønde og Omegns Sparekasse | DK_RoendeOgOmegnsSparekasse |
| SEB | DK_SEBWealthManagement |
| Skjern Bank | DK_SkjernBank |
| Skjern Bank Erhverv | DK_SkjernBankErhverv |
| Sønderhå-Hørsted Sparekasse | DK_SoenderhaaHoerstedSparekasse |
| Sparekassen Balling | DK_SparekassenBalling |
| Sparekassen Bredebro | DK_SparekassenBredebro |
| Sparekassen Den Lille Bikube | DK_SparekassenDenLilleBikube |
| Sparekassen Djursland | DK_SparekassenDjursland |
| Sparekassen for Nr. Nebel \& Omegn | DK_SparekassenForNrNebelOgOmegn |
| Sparekassen Kronjylland | DK_SparekassenKronjylland |
| Sparekassen Sjælland-Fyn | DK_SparekassenSjaelland |
| Sparekassen Sjælland-Fyn Erhverv | DK_SparekassenSjaellandFynErhverv |
| Sparekassen Thy | DK_SparekassenThy |
| Sparekassen Danmark | DK_SparekassenVendsyssel |
| Spar Nord | DK_SparNordBank |
| Stadil Sparekasse | DK_StadilSparekasse |
| Swedbank | DK_SwedbankDK |
| Sydbank | DK_Sydbank |
| Sydbank Erhverv | DK_SydbankErhverv |
| Totalbanken | DK_Totalbanken |
| Vestjysk Bank | DK_VestjyskBank |
Scheme for domestic Danish account to account credit transfer with FI+71 references.
##### Scheme Id: DanishDomesticCreditTransferFI71 {#scheme-id-danishdomesticcredittransferfi71}
##### Currency: DKK {#currency-dkk}
##### Properties {#properties}
| Property | Description | Validation Regex | Validation Description | Required |
|------------|----------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------|----------|
| Reference | Obligatory FIK OCR Reference | \^\\d{15}$ | Must be 15 digits long and must match Luhn checksum validation | True |
| Identifier | Not used in this scheme | N/A | N/A | False |
| Currency | Determines the currency that the payment will be made in | \^DKK$ | Must be DKK | True |
| Amount | The amount to be paid | (?=(?:\^\[0-9\]*\[1-9\]+\[0-9\]* .?\[0-9\]*$)\|(?:\^\[0-9\]* .\[0-9\]*\[1-9\]+\[0-9\]* $))\[0-9\]*.?\[0-9\]* | Must be number larger than 0 | True |
##### Available Providers {#available-providers}
| Provider Name | Provider Code |
|---------------------------------------|-----------------------------------|
| Alm. Brand Bank | DK_AlmBrandBank |
| Alm. Brand Bank Erhverv | DK_AlmBrandBankErhverv |
| Andelskassen Fælleskassen | DK_AndelskassenFaelleskassen |
| Andelskassen Oikos | DK_AndelskassenOikos |
| Arbejdernes Landsbank | DK_ArbejdernesLandsbank |
| BankNordik | DK_BankNordik |
| Bank Norwegian | DK_BankNorwegian |
| Basisbank | DK_Basisbank |
| Borbjerg Sparekasse | DK_BorbjergSparekasse |
| Broager Sparekasse | DK_BroagerSparekasse |
| Coop Bank | DK_CoopBank |
| Andelskassen | DK_DanskeAndelskassersBank |
| Danske Bank | DK_DanskeBank |
| Danske Bank | DK_DanskeBank |
| Danske Bank Business Online | DK_DanskeBankErhverv |
| Djurslands Bank | DK_DjurslandsBank |
| Djurslands Bank Erhverv | DK_DjurslandsBankErhverv |
| DNB | DK_Dnb |
| Dragsholm Sparekasse | DK_DragsholmSparekasse |
| Dronninglund Sparekasse | DK_DronninglundSparekasse |
| Facit Bank | DK_FacitBank |
| Fanø Sparekasse | DK_FanoeSparekasse |
| Faster Andelskasse | DK_FasterMobilbank |
| Folkesparekassen | DK_Folkesparekassen |
| Forbrugsforeningen | DK_Forbrugsforeningen |
| Frøs Sparekasse | DK_FroesHerredsSparekasse |
| Frørup Andelskasse | DK_FrorupAndelskasse |
| Frøslev-Mollerup Sparekasse | DK_FroslevMollerupSparekasse |
| Fynske Bank | DK_FynskeBank |
| Handelsbanken | DK_Handelsbanken |
| Hvidbjerg Bank | DK_HvidbjergBank |
| Sparekassen Danmark (tidl. Jutlander) | DK_Jutlander |
| Jyske Bank | DK_JyskeBank |
| Jyske Bank Erhverv | DK_JyskeBankErhverv |
| Klim Sparekasse | DK_KlimSparekasse |
| Kreditbanken | DK_Kreditbanken |
| Kreditbanken Erhverv | DK_KreditbankenErhverv |
| Lån \& Spar | DK_LaanOgSpar |
| Lægernes Pension \& Bank | DK_LaegernesPensionsbank |
| Langå Sparekasse | DK_LangaaSparekasse |
| Lollands Bank | DK_LollandsBank |
| Lunar | DK_LunarWay |
| Maj Bank A/S | DK_MajBank |
| Merkur Andelskasse | DK_MerkurAndelskasse |
| Middelfart Sparekasse | DK_MiddelfartSparekasse |
| Møns Bank | DK_MonsBank |
| Nordea | DK_Nordea |
| Nordea Erhverv | DK_NordeaErhverv |
| Nordfyns Bank | DK_NordfynsBank |
| Nordfyns Bank Erhverv | DK_NordfynsBankErhverv |
| Nordjyske Bank | DK_NordjyskeBank |
| Nordjyske Bank Erhverv | DK_NordjyskeBankErhverv |
| Nykredit | DK_Nykredit |
| Østervrå Andelskasse | DK_OestervraaAndelskasse |
| PenSam Bank | DK_PenSamBank |
| Revolut | DK_Revolut |
| Ringkjøbing Landbobank | DK_RingkjobingLandbobank |
| Ringkjøbing Landbobank Erhverv | DK_RingkjobingLandbobankErhverv |
| Rise Sparekasse | DK_RiseFlemloeseSparekasse |
| Rønde og Omegns Sparekasse | DK_RoendeOgOmegnsSparekasse |
| SEB | DK_SEBWealthManagement |
| Skjern Bank | DK_SkjernBank |
| Skjern Bank Erhverv | DK_SkjernBankErhverv |
| Sønderhå-Hørsted Sparekasse | DK_SoenderhaaHoerstedSparekasse |
| Sparekassen Balling | DK_SparekassenBalling |
| Sparekassen Bredebro | DK_SparekassenBredebro |
| Sparekassen Den Lille Bikube | DK_SparekassenDenLilleBikube |
| Sparekassen Djursland | DK_SparekassenDjursland |
| Sparekassen for Nr. Nebel \& Omegn | DK_SparekassenForNrNebelOgOmegn |
| Sparekassen Kronjylland | DK_SparekassenKronjylland |
| Sparekassen Sjælland-Fyn | DK_SparekassenSjaelland |
| Sparekassen Sjælland-Fyn Erhverv | DK_SparekassenSjaellandFynErhverv |
| Sparekassen Thy | DK_SparekassenThy |
| Sparekassen Danmark | DK_SparekassenVendsyssel |
| Spar Nord | DK_SparNordBank |
| Stadil Sparekasse | DK_StadilSparekasse |
| Swedbank | DK_SwedbankDK |
| Sydbank | DK_Sydbank |
| Sydbank Erhverv | DK_SydbankErhverv |
| Totalbanken | DK_Totalbanken |
| Vestjysk Bank | DK_VestjyskBank |
Scheme for domestic Danish account to alias credit transfer with Giro 04 references.
##### Scheme Id: DanishDomesticCreditTransferG04 {#scheme-id-danishdomesticcredittransferg04}
##### Currency: DKK {#currency-dkk}
##### Properties {#properties}
| Property | Description | Validation Regex | Validation Description | Required |
|------------|----------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------|----------|
| Reference | Obligatory Giro 04 OCR Reference | \^\\d{16}$ | must be 16 digits long and must match Luhn checksum validation | True |
| Identifier | Not used in this scheme | N/A | N/A | False |
| Currency | Determines the currency that the payment will be made in | \^DKK$ | Must be DKK | True |
| Amount | The amount to be paid | (?=(?:\^\[0-9\]*\[1-9\]+\[0-9\]* .?\[0-9\]*$)\|(?:\^\[0-9\]* .\[0-9\]*\[1-9\]+\[0-9\]* $))\[0-9\]*.?\[0-9\]* | Must be number larger than 0 | True |
##### Available Providers {#available-providers}
| Provider Name | Provider Code |
|---------------------------------------|-----------------------------------|
| Alm. Brand Bank | DK_AlmBrandBank |
| Alm. Brand Bank Erhverv | DK_AlmBrandBankErhverv |
| Andelskassen Fælleskassen | DK_AndelskassenFaelleskassen |
| Andelskassen Oikos | DK_AndelskassenOikos |
| Arbejdernes Landsbank | DK_ArbejdernesLandsbank |
| BankNordik | DK_BankNordik |
| Bank Norwegian | DK_BankNorwegian |
| Basisbank | DK_Basisbank |
| Borbjerg Sparekasse | DK_BorbjergSparekasse |
| Broager Sparekasse | DK_BroagerSparekasse |
| Coop Bank | DK_CoopBank |
| Andelskassen | DK_DanskeAndelskassersBank |
| Danske Bank | DK_DanskeBank |
| Danske Bank | DK_DanskeBank |
| Danske Bank Business Online | DK_DanskeBankErhverv |
| Djurslands Bank | DK_DjurslandsBank |
| Djurslands Bank Erhverv | DK_DjurslandsBankErhverv |
| DNB | DK_Dnb |
| Dragsholm Sparekasse | DK_DragsholmSparekasse |
| Dronninglund Sparekasse | DK_DronninglundSparekasse |
| Facit Bank | DK_FacitBank |
| Fanø Sparekasse | DK_FanoeSparekasse |
| Faster Andelskasse | DK_FasterMobilbank |
| Folkesparekassen | DK_Folkesparekassen |
| Forbrugsforeningen | DK_Forbrugsforeningen |
| Frøs Sparekasse | DK_FroesHerredsSparekasse |
| Frørup Andelskasse | DK_FrorupAndelskasse |
| Frøslev-Mollerup Sparekasse | DK_FroslevMollerupSparekasse |
| Fynske Bank | DK_FynskeBank |
| Handelsbanken | DK_Handelsbanken |
| Hvidbjerg Bank | DK_HvidbjergBank |
| Sparekassen Danmark (tidl. Jutlander) | DK_Jutlander |
| Jyske Bank | DK_JyskeBank |
| Jyske Bank Erhverv | DK_JyskeBankErhverv |
| Klim Sparekasse | DK_KlimSparekasse |
| Kreditbanken | DK_Kreditbanken |
| Kreditbanken Erhverv | DK_KreditbankenErhverv |
| Lån \& Spar | DK_LaanOgSpar |
| Lægernes Pension \& Bank | DK_LaegernesPensionsbank |
| Langå Sparekasse | DK_LangaaSparekasse |
| Lollands Bank | DK_LollandsBank |
| Lunar | DK_LunarWay |
| Maj Bank A/S | DK_MajBank |
| Merkur Andelskasse | DK_MerkurAndelskasse |
| Middelfart Sparekasse | DK_MiddelfartSparekasse |
| Møns Bank | DK_MonsBank |
| Nordea | DK_Nordea |
| Nordea Erhverv | DK_NordeaErhverv |
| Nordfyns Bank | DK_NordfynsBank |
| Nordfyns Bank Erhverv | DK_NordfynsBankErhverv |
| Nordjyske Bank | DK_NordjyskeBank |
| Nordjyske Bank Erhverv | DK_NordjyskeBankErhverv |
| Nykredit | DK_Nykredit |
| Østervrå Andelskasse | DK_OestervraaAndelskasse |
| PenSam Bank | DK_PenSamBank |
| Revolut | DK_Revolut |
| Ringkjøbing Landbobank | DK_RingkjobingLandbobank |
| Ringkjøbing Landbobank Erhverv | DK_RingkjobingLandbobankErhverv |
| Rise Sparekasse | DK_RiseFlemloeseSparekasse |
| Rønde og Omegns Sparekasse | DK_RoendeOgOmegnsSparekasse |
| SEB | DK_SEBWealthManagement |
| Skjern Bank | DK_SkjernBank |
| Skjern Bank Erhverv | DK_SkjernBankErhverv |
| Sønderhå-Hørsted Sparekasse | DK_SoenderhaaHoerstedSparekasse |
| Sparekassen Balling | DK_SparekassenBalling |
| Sparekassen Bredebro | DK_SparekassenBredebro |
| Sparekassen Den Lille Bikube | DK_SparekassenDenLilleBikube |
| Sparekassen Djursland | DK_SparekassenDjursland |
| Sparekassen for Nr. Nebel \& Omegn | DK_SparekassenForNrNebelOgOmegn |
| Sparekassen Kronjylland | DK_SparekassenKronjylland |
| Sparekassen Sjælland-Fyn | DK_SparekassenSjaelland |
| Sparekassen Sjælland-Fyn Erhverv | DK_SparekassenSjaellandFynErhverv |
| Sparekassen Thy | DK_SparekassenThy |
| Sparekassen Danmark | DK_SparekassenVendsyssel |
| Spar Nord | DK_SparNordBank |
| Stadil Sparekasse | DK_StadilSparekasse |
| Swedbank | DK_SwedbankDK |
| Sydbank | DK_Sydbank |
| Sydbank Erhverv | DK_SydbankErhverv |
| Totalbanken | DK_Totalbanken |
| Vestjysk Bank | DK_VestjyskBank |
Scheme for domestic Estonian account to account credit transfer with Viite references.
##### Scheme Id: EstonianDomesticCreditTransferViite {#scheme-id-estoniandomesticcredittransferviite}
##### Currency: EUR {#currency-eur}
##### Properties {#properties}
| Property | Description | Validation Regex | Validation Description | Required |
|------------|----------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|----------------------------------------|----------|
| Reference | Obligatory Viite number Reference | \^\\d{2,20}$ | Must be digits and with of length 2-20 | True |
| Identifier | Not used in this scheme | N/A | N/A | False |
| Currency | Determines the currency that the payment will be made in | \^EUR$ | Must be EUR | True |
| Amount | The amount to be paid | (?=(?:\^\[0-9\]*\[1-9\]+\[0-9\]* .?\[0-9\]*$)\|(?:\^\[0-9\]* .\[0-9\]*\[1-9\]+\[0-9\]* $))\[0-9\]*.?\[0-9\]* | Must be number larger than 0 | True |
##### Available Providers {#available-providers}
| Provider Name | Provider Code |
|---------------|---------------|
| Citadele | EE_Citadele |
| LHV | EE_Lhv |
| Luminor | EE_Luminor |
| Seb | EE_Seb |
| Swedbank | EE_Swedbank |
Scheme for SEPA account to account credit transfer.
##### Scheme Id: FrenchSepaCreditTransfer {#scheme-id-frenchsepacredittransfer}
##### Currency: EUR {#currency-eur}
##### Properties {#properties}
| Property | Description | Validation Regex | Validation Description | Required |
|------------|----------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------|----------|
| Reference | Payment reference field | \^\[A-Za-z0-9\]{0,22}$ | Reference must be 22 alphanumeric characters or less | True |
| Identifier | Not used in this scheme | N/A | N/A | False |
| Currency | Determines the currency that the payment will be made in | \^EUR$ | Must be EUR | True |
| Amount | The amount to be paid | (?!\^\[01\]?($\|.\[0-9\]*$))(?=(?:\^\[0-9\]* \[1-9\]+\[0-9\]*.?\[0-9\]* $)\|(?:\^\[0-9\]*.\[0-9\]* \[1-9\]+\[0-9\]*$))\[0-9\]*.?\[0-9\]\* | Must be a number greater than or equal to 2 | True |
Scheme for domestic Finnish account to account credit transfer with a unstructured reference. Unstructured reference fields will be mapped to the appropriate message field on the bank's end. \*This may incur extra costs, please check with your bank which fields suites your use case the best.
##### Scheme Id: FinnishDomesticCreditTransfer {#scheme-id-finnishdomesticcredittransfer}
##### Currency: EUR {#currency-eur}
##### Properties {#properties}
| Property | Description | Validation Regex | Validation Description | Required |
|------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|----------------------------------|----------|
| Reference | Non-obligatory payment reference field | \^\[A-Za-z0-9 \]{0,140}$ | 0 to 140 alphanumeric characters | False |
| Identifier | For OP Financial Group Only: This field should contain the name of the final beneficiary, aka the ultimate creditor. The final beneficiary information is required for OP payment providers if funds are not directly transferred to the final beneficiary account, but rather processed through an intermediate account | N/A | N/A | False |
| Currency | Determines the currency that the payment will be made in | \^EUR$ | Must be EUR | True |
| Amount | The amount to be paid | (?=(?:\^\[0-9\]*\[1-9\]+\[0-9\]* .?\[0-9\]*$)\|(?:\^\[0-9\]* .\[0-9\]*\[1-9\]+\[0-9\]* $))\[0-9\]*.?\[0-9\]* | Must be number larger than 0 | True |
##### Available Providers {#available-providers}
| Provider Name | Provider Code |
|-----------------------------|--------------------------|
| Ålandsbanken | FI_Aalandsbanken |
| Aktia | FI_Aktia |
| Bank Norwegian | FI_BankNorwegian |
| Danske Bank | FI_DanskeBank |
| Danske Bank Business Online | FI_DanskeBankBusiness |
| Handelsbanken | FI_Handelsbanken |
| Handelsbanken | FI_HandelsbankenBusiness |
| Morrow Bank (KomplettBank) | FI_KomplettBank |
| N26 | FI_N26 |
| Nordea | FI_Nordea |
| Nordea Yrityspankki | FI_NordeaBusiness |
| Oma Säästöpankki | FI_OmaSaastopankki |
| OP | FI_Op |
| POP Pankki | FI_PopPankki |
| Revolut | FI_Revolut |
| Säästöpankki | FI_Saastopankki |
| S-Pankki | FI_Spankki |
Scheme for domestic Finnish account to account credit transfer with an structured reference. Structured reference fields will be mapped to the appropriate reference field on the bank's end.
##### Scheme Id: FinnishDomesticCreditTransferViite {#scheme-id-finnishdomesticcredittransferviite}
##### Currency: EUR {#currency-eur}
##### Properties {#properties}
| Property | Description | Validation Regex | Validation Description | Required |
|------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|------------------------------|----------|
| Reference | Mandatory payment reference field where the last number is a check digit | \^ \*(\\d \*){4,20}$ | 4 to 20 digits | True |
| Identifier | For OP Financial Group Only: This field should contain the name of the final beneficiary, aka the ultimate creditor. The final beneficiary information is required for OP payment providers if funds are not directly transferred to the final beneficiary account, but rather processed through an intermediate account | N/A | N/A | False |
| Currency | Determines the currency that the payment will be made in | \^EUR$ | Must be EUR | True |
| Amount | The amount to be paid | (?=(?:\^\[0-9\]*\[1-9\]+\[0-9\]* .?\[0-9\]*$)\|(?:\^\[0-9\]* .\[0-9\]*\[1-9\]+\[0-9\]* $))\[0-9\]*.?\[0-9\]* | Must be number larger than 0 | True |
##### Available Providers {#available-providers}
| Provider Name | Provider Code |
|-----------------------------|--------------------------|
| Ålandsbanken | FI_Aalandsbanken |
| Aktia | FI_Aktia |
| Bank Norwegian | FI_BankNorwegian |
| Danske Bank | FI_DanskeBank |
| Danske Bank Business Online | FI_DanskeBankBusiness |
| Handelsbanken | FI_Handelsbanken |
| Handelsbanken | FI_HandelsbankenBusiness |
| Morrow Bank (KomplettBank) | FI_KomplettBank |
| N26 | FI_N26 |
| Nordea | FI_Nordea |
| Nordea Yrityspankki | FI_NordeaBusiness |
| Oma Säästöpankki | FI_OmaSaastopankki |
| OP | FI_Op |
| POP Pankki | FI_PopPankki |
| Revolut | FI_Revolut |
| Säästöpankki | FI_Saastopankki |
| S-Pankki | FI_Spankki |
Scheme for SEPA account to account credit transfer.
##### Scheme Id: GermanSepaCreditTransfer {#scheme-id-germansepacredittransfer}
##### Currency: EUR {#currency-eur}
##### Properties {#properties}
| Property | Description | Validation Regex | Validation Description | Required |
|------------|----------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------|----------|
| Reference | Payment reference field | \^\[A-Za-z0-9 ?:().,'/-\]{0,32}$ | May not be longer than 32 characters from the accepted list | True |
| Identifier | Not used in this scheme | N/A | N/A | False |
| Currency | Determines the currency that the payment will be made in | \^EUR$ | Must be EUR | True |
| Amount | The amount to be paid | (?=(?:\^\[0-9\]*\[1-9\]+\[0-9\]* .?\[0-9\]*$)\|(?:\^\[0-9\]* .\[0-9\]*\[1-9\]+\[0-9\]* $))\[0-9\]*.?\[0-9\]* | Must be number larger than 0 | True |
##### Available Providers {#available-providers}
| Provider Name | Provider Code |
|-------------------------------------|----------------------------------|
| Berliner Sparkasse | DE_BerlinerSparkasse |
| Berliner Volksbank eG Abteilung BIT | DE_BerlinerVolksAbteilungBit |
| Comdirect | DE_Comdirect |
| Deutsche Kreditbank AG | DE_DeutscheKreditBank |
| HypoVereinsbank | DE_HypoVereinsbank |
| ING | DE_Ing |
| LBBW | DE_Lbbw |
| Postbank | DE_Postbank |
| Santander Consumer Bank AG | DE_Santander |
| Sparda Bank Augsburg | DE_SpardaBankAugsburg |
| SPK Freiburg-Nördlicher Breisgau | DE_SpkFreiburgNordlicherBreisgau |
| SPK Hildesheim Goslar Peine | DE_SpkHildesheimGoslarPeine |
| SPK Offenburg/Ortenau | DE_SpkOffenburgOrtenau |
| Targobank AG | DE_TargoBank |
| Taunus Sparkasse | DE_TaunusSparkasse |
| Volksbank Freiburg eG | DE_VolksFreiburg |
Scheme for domestic Norwegian account to account credit transfer.
##### Scheme Id: NorwegianDomesticCreditTransfer {#scheme-id-norwegiandomesticcredittransfer}
##### Currency: NOK {#currency-nok}
##### Properties {#properties}
| Property | Description | Validation Regex | Validation Description | Required |
|------------|--------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|---------------------------------------------------|----------|
| Reference | Non-obligatory payment reference field. Provided reference will be displayed in the payee's bank | \^\[A-Za-z0-9\]{0,20}$ | May not be longer than 20 alphanumeric characters | False |
| Identifier | Not used in this scheme | N/A | N/A | False |
| Currency | Determines the currency that the payment will be made in | \^NOK$ | Must be NOK | True |
| Amount | The amount to be paid | (?=(?:\^\[0-9\]*\[1-9\]+\[0-9\]* .?\[0-9\]*$)\|(?:\^\[0-9\]* .\[0-9\]*\[1-9\]+\[0-9\]* $))\[0-9\]*.?\[0-9\]* | Must be number larger than 0 | True |
##### Available Providers {#available-providers}
| Provider Name | Provider Code |
|---------------------------------------------|-----------------------------------------|
| Åfjord Sparebank | NO_AafjordSparebank |
| Åfjord Sparebank Bedrift | NO_AafjordSparebankBedrift |
| Aasen Sparebank | NO_AasenSparebank |
| Andebu Sparebank | NO_AndebuSparebank |
| Arendal og Omegns Sparekasse | NO_ArendalOgOmegnsSparekasse |
| Askim \& Spydeberg Sparebank | NO_AskimOgSpydebergSparebank |
| Aurskog Sparebank | NO_AurskogSparebank |
| Aurskog Sparebank Bedrift | NO_AurskogSparebankBedrift |
| Bank2 | NO_Bank2 |
| Bank2 Bedrift | NO_Bank2Bedrift |
| Bank Norwegian | NO_BankNorwegian |
| Berg Sparebank | NO_BergSparebank |
| Bien Sparebank | NO_BienSparebank |
| Bien Sparebank Bedrift | NO_BienSparebankBedrift |
| Birkenes Sparebank | NO_BirkenesSparebank |
| Bjugn Sparebank | NO_BjugnSparebank |
| Bjugn Sparebank Bedrift | NO_BjugnSparebankBedrift |
| Blaker Sparebank | NO_BlakerSparebank |
| BN Bank ASA | NO_BnBank |
| BN Bank ASA Bedrift | NO_BnBankBedrift |
| BRAbank | NO_Brabank |
| Bulder Bank | NO_BulderBank |
| Cultura Bank | NO_CulturaBank |
| Danske Bank | NO_DanskeBank |
| DNB | NO_Dnb |
| Drangedal Sparebank | NO_DrangedalSparebank |
| Lea Bank | NO_Easybank |
| Eidsberg Sparebank | NO_EidsbergSparebank |
| Eika Kredittbank | NO_EikaKredittbank |
| Etnedal Sparebank | NO_EtnedalSparebank |
| Etne Sparebank | NO_EtneSparebank |
| Etne Sparebank Bedrift | NO_EtneSparebankBedrift |
| Evje og Hornnes Sparebank | NO_EvjeOgHornnesSparebank |
| Evje og Hornnes Sparebank Bedrift | NO_EvjeOgHornnesSparebankBedrift |
| Fana Sparebank | NO_FanaSparebank |
| Fana Sparebank Bedrift | NO_FanaSparebankBedrift |
| Flekkefjord Sparebank | NO_FlekkefjordSparebank |
| Flekkefjord Sparebank Bedrift | NO_FlekkefjordSparebankBedrift |
| Fornebu Sparebank | NO_FornebuSparebank |
| Fornebu Sparebank Bedrift | NO_FornebuSparebankBedrift |
| Gildeskål Sparebank | NO_GildeskaalSparebank |
| Nordea Direct (tidl. Gjensidige Bank) | NO_Gjensidige |
| Grong Sparebank | NO_GrongSparebank |
| Grue Sparebank | NO_GrueSparebank |
| Haltdalen Sparebank | NO_HaltdalenSparebank |
| Haltdalen Sparebank Bedrift | NO_HaltdalenSparebankBedrift |
| Handelsbanken | NO_Handelsbanken |
| Handelsbanken Bedrift | NO_HandelsbankenBedrift |
| Sparebank 68° Nord | NO_HarstadSparebank |
| Haugesund Sparebank | NO_HaugesundSparebank |
| Haugesund Sparebank Bedrift | NO_HaugesundSparebankBedrift |
| Hegra Sparebank | NO_HegraSparebank |
| Hegra Sparebank Bedrift | NO_HegraSparebankBedrift |
| Sparebank 1 Helgeland | NO_HelgelandSparebank |
| Sparebank 1 Helgeland Bedrift | NO_HelgelandSparebankBedrift |
| Hemne Sparebank | NO_HemneSparebank |
| Hemne Sparebank Bedrift | NO_HemneSparebankBedrift |
| HjartdalBanken | NO_HjartdalOgGransheradSparebank |
| HjartdalBanken Bedrift | NO_HjartdalOgGransheradSparebankBedrift |
| Hjelmeland Sparebank | NO_HjelmelandSparebank |
| Hjelmeland Sparebank Bedrift | NO_HjelmelandSparebankBedrift |
| Høland og Setskog Sparebank | NO_HoelandOgSetskogSparebank |
| Høland og Setskog Sparebank Bedrift | NO_HoelandOgSetskogSparebankBedrift |
| Hønefoss Sparebank | NO_HoenefossSparebank |
| Sogn Sparebank | NO_IndreSognSparebank |
| Jæren Sparebank | NO_JaerenSparebank |
| Jæren Sparebank Bedrift | NO_JaerenSparebankBedrift |
| JBF bank og forsikring | NO_JernbanePersonaletsSparebank |
| JBF bank og forsikring Bedrift | NO_JernbanePersonaletsSparebankBedrift |
| Nidaros Sparebank | NO_KlaebuSparebank |
| KLP | NO_Klp |
| KLP Bedrift | NO_KlpBedrift |
| Morrow Bank (KomplettBank) | NO_KomplettBank |
| Kvinesdal Sparebank | NO_KvinesdalSparebank |
| Landkreditt Bank | NO_LandkredittBank |
| Landkreditt Bank Bedrift | NO_LandkredittBankBedrift |
| Larvikbanken | NO_Larvikbanken |
| Lillesands Sparebank | NO_LillesandsSparebank |
| Lillesands Sparebank Bedrift | NO_LillesandsSparebankBedrift |
| Romerike Sparebank (LillestrømBanken) | NO_LillestroemBanken |
| Lunar | NO_LunarWay |
| Luster Sparebank | NO_LusterSparebank |
| Luster Sparebank Bedrift | NO_LusterSparebankBedrift |
| Marker Sparebank | NO_MarkerSparebank |
| Marker Sparebank Bedrift | NO_MarkerSparebankBedrift |
| Melhusbanken | NO_Melhusbanken |
| Melhusbanken Bedrift | NO_MelhusbankenBedrift |
| MyBank | NO_MyBank |
| Næringsbanken | NO_Naeringsbanken |
| Nordea | NO_Nordea |
| OBOS Bank | NO_ObosBank |
| OBOS Bank Bedrift | NO_ObosBankBedrift |
| Odal Sparebank | NO_OdalSparebank |
| Ørland Sparebank | NO_OerlandSparebank |
| Ørskog Sparebank | NO_OerskogSparebank |
| Ørskog Sparebank | NO_OerskogSparebankBedrift |
| Agder Sparebank | NO_OestreAgderSparebank |
| Ofoten Sparebank | NO_OfotenSparebank |
| Oppdalsbank | NO_Oppdalsbank |
| Oppdalsbank Bedrift | NO_OppdalsbankBedrift |
| Orkla Sparebank | NO_OrklaSparebank |
| Orkla Sparebank Bedrift | NO_OrklaSparebankBedrift |
| Pareto Bank | NO_ParetoBank |
| Pareto Bank Bedrift | NO_ParetoBankBedrift |
| Revolut | NO_Revolut |
| Rindal Sparebank | NO_RindalSparebank |
| Rindal Sparebank Bedrift | NO_RindalSparebankBedrift |
| RørosBanken | NO_RoerosBanken |
| RørosBanken Bedrift | NO_RoerosBankenBedrift |
| Romsdal Sparebank | NO_RomsdalSparebank |
| Romsdal Sparebank Bedrift | NO_RomsdalSparebankBedrift |
| Den Gule Banken (Sandnes Sparebank) | NO_SandnesSparebank |
| Den Gule Banken Bedrift (Sandnes Sparebank) | NO_SandnesSparebankBedrift |
| Sbanken | NO_Sbanken |
| Sbanken Bedrift | NO_SbankenBedrift |
| Selbu Sparebank | NO_SelbuSparebank |
| Skagerrak Sparebank | NO_SkagerrakSparebank |
| Skagerrak Sparebank Bedrift | NO_SkagerrakSparebankBedrift |
| Skudenes \& Aakra Sparebank | NO_SkudenesAakraSparebank |
| Skudenes \& Aakra Sparebank Bedrift | NO_SkudenesAakraSparebankBedrift |
| Skue Sparebank | NO_SkueSparebank |
| Søgne og Greipstad Sparebank | NO_SogneGreipstadSparebank |
| Søgne og Greipstad Sparebank Bedrift | NO_SogneGreipstadSparebankBedrift |
| Soknedal Sparebank | NO_SoknedalSparebank |
| Soknedal Sparebank Bedrift | NO_SoknedalSparebankBedrift |
| SpareBank 1 Sørøst-Norge (BV) | NO_SpareBank1Bv |
| SpareBank 1 Sørøst-Norge (BV) Bedrift | NO_SpareBank1BvBedrift |
| SpareBank 1 Gudbrandsdal | NO_SpareBank1Gudbrandsdal |
| SpareBank 1 Gudbrandsdal Bedrift | NO_SpareBank1GudbrandsdalBedrift |
| SpareBank 1 Hallingdal Valdres | NO_SpareBank1HallingdalValdres |
| SpareBank 1 Hallingdal Valdres Bedrift | NO_SpareBank1HallingdalValdresBedrift |
| SpareBank 1 Lom og Skjåk | NO_SpareBank1LomSkjaak |
| SpareBank 1 Lom og Skjåk Bedrift | NO_SpareBank1LomSkjaakBedrift |
| SpareBank 1 Sørøst-Norge (Modum) | NO_SpareBank1Modum |
| SpareBank 1 Sørøst-Norge (Modum) Bedrift | NO_SpareBank1ModumBedrift |
| SpareBank 1 Nordmøre | NO_SpareBank1Nordmore |
| SpareBank 1 Nordmøre Bedrift | NO_SpareBank1NordmoreBedrift |
| SpareBank 1 Nord-Norge | NO_SpareBank1NordNorge |
| SpareBank 1 Nord-Norge Bedrift | NO_SpareBank1NordNorgeBedrift |
| SpareBank 1 Nordmøre (Nordvest) | NO_SpareBank1Nordvest |
| SpareBank 1 Nordmøre Bedrift (Nordvest) | NO_SpareBank1NordvestBedrift |
| SpareBank 1 Østfold Akershus | NO_SpareBank1OstfoldAkershus |
| SpareBank 1 Østfold Akershus Bedrift | NO_SpareBank1OstfoldAkershusBedrift |
| SpareBank 1 Østlandet | NO_SpareBank1Ostlandet |
| SpareBank 1 Østlandet Bedrift | NO_SpareBank1OstlandetBedrift |
| SpareBank 1 Ringerike Hadeland | NO_SpareBank1RingerikeHadeland |
| SpareBank 1 Ringerike Hadeland Bedrift | NO_SpareBank1RingerikeHadelandBedrift |
| SpareBank 1 SMN | NO_SpareBank1Smn |
| SpareBank 1 SMN Bedrift | NO_SpareBank1SmnBedrift |
| SpareBank 1 Søre Sunnmøre | NO_SpareBank1SoreSunnmore |
| SpareBank 1 Søre Sunnmøre Bedrift | NO_SpareBank1SoreSunnmoreBedrift |
| SpareBank 1 SR-Bank | NO_SpareBank1SrBank |
| SpareBank 1 SR-Bank Bedrift | NO_SpareBank1SrBankBedrift |
| SpareBank 1 Sørøst-Norge (Telemark) | NO_SpareBank1Telemark |
| SpareBank 1 Sørøst-Norge (Telemark) Bedrift | NO_SpareBank1TelemarkBedrift |
| Sparebanken Din | NO_SparebankenDin |
| Sparebanken Møre | NO_SparebankenMore |
| Sparebanken Møre Bedrift | NO_SparebankenMoreBedrift |
| Sparebanken Øst | NO_SparebankenOst |
| Sparebanken Øst Bedrift | NO_SparebankenOstBedrift |
| Sparebanken Sogn og Fjordane | NO_SparebankenSognOgFjordene |
| Sparebanken Sogn og Fjordane Bedrift | NO_SparebankenSognOgFjordeneBedrift |
| Sparebanken Sør | NO_SparebankenSor |
| Sparebanken Sør Bedrift | NO_SparebankenSorBedrift |
| Sparebanken Vest | NO_SparebankenVest |
| Sparebanken Vest Bedrift | NO_SparebankenVestBedrift |
| Sparebanken Narvik | NO_SparebankNarvik |
| Sparebanken Narvik Bedrift | NO_SparebankNarvikBedrift |
| Spareskillingsbanken | NO_Spareskillingsbanken |
| Spareskillingsbanken Bedrift | NO_SpareskillingsbankenBedrift |
| Sparesmart | NO_Sparesmart |
| Stadsbygd Sparebank | NO_StadsbygdSparebank |
| Storebrand | NO_Storebrand |
| StrømmenSparebank | NO_StroemmenSparebank |
| StrømmenSparebank Bedrift | NO_StroemmenSparebankBedrift |
| Sunndal Sparebank | NO_SunndalSparebank |
| Sunndal Sparebank Bedrift | NO_SunndalSparebankBedrift |
| Surnadal Sparebank | NO_SurnadalSparebank |
| Swedbank Bedrift | NO_SwedbankBedrift |
| Tinn Sparebank | NO_TinnSparebank |
| Tinn Sparebank Bedrift | NO_TinnSparebankBedrift |
| Tolga-Os Sparebank | NO_TogaOsSparebank |
| Totens Sparebank | NO_TotensSparebank |
| Totens Sparebank Bedrift | NO_TotensSparebankBedrift |
| Trøgstad Sparebank | NO_TroegstadSparebank |
| Trøgstad Sparebank Bedrift | NO_TroegstadSparebankBedrift |
| Trumf Visa | NO_Trumf |
| Tysnes Sparebank | NO_TysnesSparebank |
| Tysnes Sparebank Bedrift | NO_TysnesSparebankBedrift |
| Valdres Sparebank | NO_ValdresSparebank |
| Valle Sparebank | NO_ValleSparebank |
| Vekselbanken | NO_Vekselbanken |
| Voss Sparebank | NO_VossSparebank |
| Voss Sparebank Bedrift | NO_VossSparebankBedrift |
Scheme for Polish account to account credit transfer.
##### Scheme Id: PolishDomesticCreditTransfer {#scheme-id-polishdomesticcredittransfer}
##### Currency: PLN {#currency-pln}
##### Properties {#properties}
| Property | Description | Validation Regex | Validation Description | Required |
|------------|----------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------|----------|
| Reference | Payment reference field | \^\[A-Za-z0-9 ?:().,'/-\]{0,35}$ | May not be longer than 35 characters from the accepted list | True |
| Identifier | Not used in this scheme | N/A | N/A | False |
| Currency | Determines the currency that the payment will be made in | \^PLN$ | Must be PLN | True |
| Amount | The amount to be paid | (?=(?:\^\[0-9\]*\[1-9\]+\[0-9\]* .?\[0-9\]*$)\|(?:\^\[0-9\]* .\[0-9\]*\[1-9\]+\[0-9\]* $))\[0-9\]*.?\[0-9\]* | Must be number larger than 0 | True |
##### Available Providers {#available-providers}
| Provider Name | Provider Code |
|---------------|---------------|
Scheme for domestic Norwegian account to account credit transfer with KID references.
##### Scheme Id: NorwegianDomesticCreditTransferKID {#scheme-id-norwegiandomesticcredittransferkid}
##### Currency: NOK {#currency-nok}
##### Properties {#properties}
| Property | Description | Validation Regex | Validation Description | Required |
|------------|-----------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------|----------|
| Reference | Obligatory KID (customer identification number) reference | \^\\d{4,25}$ | Must be between 4-25 digits long and must match Luhn checksum validation | True |
| Identifier | Not used in this scheme | N/A | N/A | False |
| Currency | Determines the currency that the payment will be made in | \^NOK$ | Must be NOK | True |
| Amount | The amount to be paid | (?=(?:\^\[0-9\]*\[1-9\]+\[0-9\]* .?\[0-9\]*$)\|(?:\^\[0-9\]* .\[0-9\]*\[1-9\]+\[0-9\]* $))\[0-9\]*.?\[0-9\]* | Must be number larger than 0 | True |
##### Available Providers {#available-providers}
| Provider Name | Provider Code |
|---------------------------------------------|-----------------------------------------|
| Åfjord Sparebank | NO_AafjordSparebank |
| Åfjord Sparebank Bedrift | NO_AafjordSparebankBedrift |
| Aasen Sparebank | NO_AasenSparebank |
| Andebu Sparebank | NO_AndebuSparebank |
| Arendal og Omegns Sparekasse | NO_ArendalOgOmegnsSparekasse |
| Askim \& Spydeberg Sparebank | NO_AskimOgSpydebergSparebank |
| Aurskog Sparebank | NO_AurskogSparebank |
| Aurskog Sparebank Bedrift | NO_AurskogSparebankBedrift |
| Bank2 | NO_Bank2 |
| Bank2 Bedrift | NO_Bank2Bedrift |
| Bank Norwegian | NO_BankNorwegian |
| Berg Sparebank | NO_BergSparebank |
| Bien Sparebank | NO_BienSparebank |
| Bien Sparebank Bedrift | NO_BienSparebankBedrift |
| Birkenes Sparebank | NO_BirkenesSparebank |
| Bjugn Sparebank | NO_BjugnSparebank |
| Bjugn Sparebank Bedrift | NO_BjugnSparebankBedrift |
| Blaker Sparebank | NO_BlakerSparebank |
| BN Bank ASA | NO_BnBank |
| BN Bank ASA Bedrift | NO_BnBankBedrift |
| BRAbank | NO_Brabank |
| Bulder Bank | NO_BulderBank |
| Cultura Bank | NO_CulturaBank |
| Danske Bank | NO_DanskeBank |
| DNB | NO_Dnb |
| Drangedal Sparebank | NO_DrangedalSparebank |
| Lea Bank | NO_Easybank |
| Eidsberg Sparebank | NO_EidsbergSparebank |
| Eika Kredittbank | NO_EikaKredittbank |
| Etnedal Sparebank | NO_EtnedalSparebank |
| Etne Sparebank | NO_EtneSparebank |
| Etne Sparebank Bedrift | NO_EtneSparebankBedrift |
| Evje og Hornnes Sparebank | NO_EvjeOgHornnesSparebank |
| Evje og Hornnes Sparebank Bedrift | NO_EvjeOgHornnesSparebankBedrift |
| Fana Sparebank | NO_FanaSparebank |
| Fana Sparebank Bedrift | NO_FanaSparebankBedrift |
| Flekkefjord Sparebank | NO_FlekkefjordSparebank |
| Flekkefjord Sparebank Bedrift | NO_FlekkefjordSparebankBedrift |
| Fornebu Sparebank | NO_FornebuSparebank |
| Fornebu Sparebank Bedrift | NO_FornebuSparebankBedrift |
| Gildeskål Sparebank | NO_GildeskaalSparebank |
| Nordea Direct (tidl. Gjensidige Bank) | NO_Gjensidige |
| Grong Sparebank | NO_GrongSparebank |
| Grue Sparebank | NO_GrueSparebank |
| Haltdalen Sparebank | NO_HaltdalenSparebank |
| Haltdalen Sparebank Bedrift | NO_HaltdalenSparebankBedrift |
| Handelsbanken | NO_Handelsbanken |
| Handelsbanken Bedrift | NO_HandelsbankenBedrift |
| Sparebank 68° Nord | NO_HarstadSparebank |
| Haugesund Sparebank | NO_HaugesundSparebank |
| Haugesund Sparebank Bedrift | NO_HaugesundSparebankBedrift |
| Hegra Sparebank | NO_HegraSparebank |
| Hegra Sparebank Bedrift | NO_HegraSparebankBedrift |
| Sparebank 1 Helgeland | NO_HelgelandSparebank |
| Sparebank 1 Helgeland Bedrift | NO_HelgelandSparebankBedrift |
| Hemne Sparebank | NO_HemneSparebank |
| Hemne Sparebank Bedrift | NO_HemneSparebankBedrift |
| HjartdalBanken | NO_HjartdalOgGransheradSparebank |
| HjartdalBanken Bedrift | NO_HjartdalOgGransheradSparebankBedrift |
| Hjelmeland Sparebank | NO_HjelmelandSparebank |
| Hjelmeland Sparebank Bedrift | NO_HjelmelandSparebankBedrift |
| Høland og Setskog Sparebank | NO_HoelandOgSetskogSparebank |
| Høland og Setskog Sparebank Bedrift | NO_HoelandOgSetskogSparebankBedrift |
| Hønefoss Sparebank | NO_HoenefossSparebank |
| Sogn Sparebank | NO_IndreSognSparebank |
| Jæren Sparebank | NO_JaerenSparebank |
| Jæren Sparebank Bedrift | NO_JaerenSparebankBedrift |
| JBF bank og forsikring | NO_JernbanePersonaletsSparebank |
| JBF bank og forsikring Bedrift | NO_JernbanePersonaletsSparebankBedrift |
| Nidaros Sparebank | NO_KlaebuSparebank |
| KLP | NO_Klp |
| KLP Bedrift | NO_KlpBedrift |
| Morrow Bank (KomplettBank) | NO_KomplettBank |
| Kvinesdal Sparebank | NO_KvinesdalSparebank |
| Landkreditt Bank | NO_LandkredittBank |
| Landkreditt Bank Bedrift | NO_LandkredittBankBedrift |
| Larvikbanken | NO_Larvikbanken |
| Lillesands Sparebank | NO_LillesandsSparebank |
| Lillesands Sparebank Bedrift | NO_LillesandsSparebankBedrift |
| Romerike Sparebank (LillestrømBanken) | NO_LillestroemBanken |
| Lunar | NO_LunarWay |
| Luster Sparebank | NO_LusterSparebank |
| Luster Sparebank Bedrift | NO_LusterSparebankBedrift |
| Marker Sparebank | NO_MarkerSparebank |
| Marker Sparebank Bedrift | NO_MarkerSparebankBedrift |
| Melhusbanken | NO_Melhusbanken |
| Melhusbanken Bedrift | NO_MelhusbankenBedrift |
| MyBank | NO_MyBank |
| Næringsbanken | NO_Naeringsbanken |
| Nordea | NO_Nordea |
| OBOS Bank | NO_ObosBank |
| OBOS Bank Bedrift | NO_ObosBankBedrift |
| Odal Sparebank | NO_OdalSparebank |
| Ørland Sparebank | NO_OerlandSparebank |
| Ørskog Sparebank | NO_OerskogSparebank |
| Ørskog Sparebank | NO_OerskogSparebankBedrift |
| Agder Sparebank | NO_OestreAgderSparebank |
| Ofoten Sparebank | NO_OfotenSparebank |
| Oppdalsbank | NO_Oppdalsbank |
| Oppdalsbank Bedrift | NO_OppdalsbankBedrift |
| Orkla Sparebank | NO_OrklaSparebank |
| Orkla Sparebank Bedrift | NO_OrklaSparebankBedrift |
| Pareto Bank | NO_ParetoBank |
| Pareto Bank Bedrift | NO_ParetoBankBedrift |
| Revolut | NO_Revolut |
| Rindal Sparebank | NO_RindalSparebank |
| Rindal Sparebank Bedrift | NO_RindalSparebankBedrift |
| RørosBanken | NO_RoerosBanken |
| RørosBanken Bedrift | NO_RoerosBankenBedrift |
| Romsdal Sparebank | NO_RomsdalSparebank |
| Romsdal Sparebank Bedrift | NO_RomsdalSparebankBedrift |
| Den Gule Banken (Sandnes Sparebank) | NO_SandnesSparebank |
| Den Gule Banken Bedrift (Sandnes Sparebank) | NO_SandnesSparebankBedrift |
| Sbanken | NO_Sbanken |
| Sbanken Bedrift | NO_SbankenBedrift |
| Selbu Sparebank | NO_SelbuSparebank |
| Skagerrak Sparebank | NO_SkagerrakSparebank |
| Skagerrak Sparebank Bedrift | NO_SkagerrakSparebankBedrift |
| Skudenes \& Aakra Sparebank | NO_SkudenesAakraSparebank |
| Skudenes \& Aakra Sparebank Bedrift | NO_SkudenesAakraSparebankBedrift |
| Skue Sparebank | NO_SkueSparebank |
| Søgne og Greipstad Sparebank | NO_SogneGreipstadSparebank |
| Søgne og Greipstad Sparebank Bedrift | NO_SogneGreipstadSparebankBedrift |
| Soknedal Sparebank | NO_SoknedalSparebank |
| Soknedal Sparebank Bedrift | NO_SoknedalSparebankBedrift |
| SpareBank 1 Sørøst-Norge (BV) | NO_SpareBank1Bv |
| SpareBank 1 Sørøst-Norge (BV) Bedrift | NO_SpareBank1BvBedrift |
| SpareBank 1 Gudbrandsdal | NO_SpareBank1Gudbrandsdal |
| SpareBank 1 Gudbrandsdal Bedrift | NO_SpareBank1GudbrandsdalBedrift |
| SpareBank 1 Hallingdal Valdres | NO_SpareBank1HallingdalValdres |
| SpareBank 1 Hallingdal Valdres Bedrift | NO_SpareBank1HallingdalValdresBedrift |
| SpareBank 1 Lom og Skjåk | NO_SpareBank1LomSkjaak |
| SpareBank 1 Lom og Skjåk Bedrift | NO_SpareBank1LomSkjaakBedrift |
| SpareBank 1 Sørøst-Norge (Modum) | NO_SpareBank1Modum |
| SpareBank 1 Sørøst-Norge (Modum) Bedrift | NO_SpareBank1ModumBedrift |
| SpareBank 1 Nordmøre | NO_SpareBank1Nordmore |
| SpareBank 1 Nordmøre Bedrift | NO_SpareBank1NordmoreBedrift |
| SpareBank 1 Nord-Norge | NO_SpareBank1NordNorge |
| SpareBank 1 Nord-Norge Bedrift | NO_SpareBank1NordNorgeBedrift |
| SpareBank 1 Nordmøre (Nordvest) | NO_SpareBank1Nordvest |
| SpareBank 1 Nordmøre Bedrift (Nordvest) | NO_SpareBank1NordvestBedrift |
| SpareBank 1 Østfold Akershus | NO_SpareBank1OstfoldAkershus |
| SpareBank 1 Østfold Akershus Bedrift | NO_SpareBank1OstfoldAkershusBedrift |
| SpareBank 1 Østlandet | NO_SpareBank1Ostlandet |
| SpareBank 1 Østlandet Bedrift | NO_SpareBank1OstlandetBedrift |
| SpareBank 1 Ringerike Hadeland | NO_SpareBank1RingerikeHadeland |
| SpareBank 1 Ringerike Hadeland Bedrift | NO_SpareBank1RingerikeHadelandBedrift |
| SpareBank 1 SMN | NO_SpareBank1Smn |
| SpareBank 1 SMN Bedrift | NO_SpareBank1SmnBedrift |
| SpareBank 1 Søre Sunnmøre | NO_SpareBank1SoreSunnmore |
| SpareBank 1 Søre Sunnmøre Bedrift | NO_SpareBank1SoreSunnmoreBedrift |
| SpareBank 1 SR-Bank | NO_SpareBank1SrBank |
| SpareBank 1 SR-Bank Bedrift | NO_SpareBank1SrBankBedrift |
| SpareBank 1 Sørøst-Norge (Telemark) | NO_SpareBank1Telemark |
| SpareBank 1 Sørøst-Norge (Telemark) Bedrift | NO_SpareBank1TelemarkBedrift |
| Sparebanken Din | NO_SparebankenDin |
| Sparebanken Møre | NO_SparebankenMore |
| Sparebanken Møre Bedrift | NO_SparebankenMoreBedrift |
| Sparebanken Øst | NO_SparebankenOst |
| Sparebanken Øst Bedrift | NO_SparebankenOstBedrift |
| Sparebanken Sogn og Fjordane | NO_SparebankenSognOgFjordene |
| Sparebanken Sogn og Fjordane Bedrift | NO_SparebankenSognOgFjordeneBedrift |
| Sparebanken Sør | NO_SparebankenSor |
| Sparebanken Sør Bedrift | NO_SparebankenSorBedrift |
| Sparebanken Vest | NO_SparebankenVest |
| Sparebanken Vest Bedrift | NO_SparebankenVestBedrift |
| Sparebanken Narvik | NO_SparebankNarvik |
| Sparebanken Narvik Bedrift | NO_SparebankNarvikBedrift |
| Spareskillingsbanken | NO_Spareskillingsbanken |
| Spareskillingsbanken Bedrift | NO_SpareskillingsbankenBedrift |
| Sparesmart | NO_Sparesmart |
| Stadsbygd Sparebank | NO_StadsbygdSparebank |
| Storebrand | NO_Storebrand |
| StrømmenSparebank | NO_StroemmenSparebank |
| StrømmenSparebank Bedrift | NO_StroemmenSparebankBedrift |
| Sunndal Sparebank | NO_SunndalSparebank |
| Sunndal Sparebank Bedrift | NO_SunndalSparebankBedrift |
| Surnadal Sparebank | NO_SurnadalSparebank |
| Swedbank Bedrift | NO_SwedbankBedrift |
| Tinn Sparebank | NO_TinnSparebank |
| Tinn Sparebank Bedrift | NO_TinnSparebankBedrift |
| Tolga-Os Sparebank | NO_TogaOsSparebank |
| Totens Sparebank | NO_TotensSparebank |
| Totens Sparebank Bedrift | NO_TotensSparebankBedrift |
| Trøgstad Sparebank | NO_TroegstadSparebank |
| Trøgstad Sparebank Bedrift | NO_TroegstadSparebankBedrift |
| Trumf Visa | NO_Trumf |
| Tysnes Sparebank | NO_TysnesSparebank |
| Tysnes Sparebank Bedrift | NO_TysnesSparebankBedrift |
| Valdres Sparebank | NO_ValdresSparebank |
| Valle Sparebank | NO_ValleSparebank |
| Vekselbanken | NO_Vekselbanken |
| Voss Sparebank | NO_VossSparebank |
| Voss Sparebank Bedrift | NO_VossSparebankBedrift |
Scheme for SEPA account to account credit transfer.
##### Scheme Id: SepaCreditTransfer {#scheme-id-sepacredittransfer}
##### Currency: EUR {#currency-eur}
##### Properties {#properties}
| Property | Description | Validation Regex | Validation Description | Required |
|------------|----------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------|----------|
| Reference | Obligatory payment reference | \^\[A-Za-z0-9 ?:().,'/-\]{0,32}$ | May not be longer than 32 characters from the accepted list | True |
| Identifier | Not used in this scheme | N/A | N/A | False |
| Currency | Determines the currency that the payment will be made in | \^EUR$ | Must be EUR | True |
| Amount | The amount to be paid | (?=(?:\^\[0-9\]*\[1-9\]+\[0-9\]* .?\[0-9\]*$)\|(?:\^\[0-9\]* .\[0-9\]*\[1-9\]+\[0-9\]* $))\[0-9\]*.?\[0-9\]* | Must be number larger than 0 | True |
##### Available Providers {#available-providers}
| Provider Name | Provider Code |
|----------------|---------------|
| Citadele | EE_Citadele |
| LHV | EE_Lhv |
| Luminor | EE_Luminor |
| Seb | EE_Seb |
| Swedbank | EE_Swedbank |
| Citadele | LT_Citadele |
| Luminor | LT_Luminor |
| Revolut | LT_Revolut |
| Seb | LT_Seb |
| Šiaulių bankas | LT_Siauliu |
| Swedbank | LT_Swedbank |
| ABN AMRO | NL_AbnAmro |
| ASN Bank | NL_AsnBank |
| ING | NL_Ing |
| Knab | NL_Knab |
| Rabobank | NL_Rabobank |
| Revolut | NL_Revolut |
| Triodos | NL_Triodos |
Scheme for transferring to a Swedish Bankgiro number using OCR as the reference.
##### Scheme Id: SwedishBankgiroOCRTransfer {#scheme-id-swedishbankgiroocrtransfer}
##### Currency: SEK {#currency-sek}
##### Properties {#properties}
| Property | Description | Validation Regex | Validation Description | Required |
|------------|----------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------|----------|
| Reference | Obligatory OCR Reference | \^\\d{2,25}$ | Must be between 2 and 25 digits long and must pass modulus-10 check-digit validation | True |
| Identifier | Not used in this scheme | N/A | N/A | False |
| Currency | Determines the currency that the payment will be made in | \^SEK$ | Must be SEK | True |
| Amount | The amount to be paid | (?=(?:\^\[0-9\]*\[1-9\]+\[0-9\]* .?\[0-9\]*$)\|(?:\^\[0-9\]* .\[0-9\]*\[1-9\]+\[0-9\]* $))\[0-9\]*.?\[0-9\]* | Must be number larger than 0 | True |
##### Available Providers {#available-providers}
| Provider Name | Provider Code |
|------------------|---------------------|
| Danske Bank | SE_Danskebank |
| Handelsbanken | SE_Handelsbanken |
| Länsförsäkringar | SE_Lansforsakringar |
| Nordea | SE_Nordea |
| SEB | SE_Seb |
| Skandia | SE_Skandia |
| Sparbanken Syd | SE_SparbankenSyd |
| Swedbank | SE_Swedbank |
Scheme for domestic Swedish account to account credit transfer.
##### Scheme Id: SwedishDomesticCreditTransferLegacy {#scheme-id-swedishdomesticcredittransferlegacy}
##### Currency: SEK {#currency-sek}
##### Properties {#properties}
| Property | Description | Validation Regex | Validation Description | Required |
|------------|----------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|---------------------------------------------------|----------|
| Reference | Non-obligatory payment reference field | \^\[A-Za-z0-9 \]\^\[A-Za-z0-9 \]{0,10}$ | May not be longer than 10 alphanumeric characters | False |
| Identifier | Not used in this scheme | N/A | N/A | False |
| Currency | Determines the currency that the payment will be made in | \^SEK$ | Must be SEK | True |
| Amount | The amount to be paid | (?=(?:\^\[0-9\]*\[1-9\]+\[0-9\]* .?\[0-9\]*$)\|(?:\^\[0-9\]* .\[0-9\]*\[1-9\]+\[0-9\]* $))\[0-9\]*.?\[0-9\]* | Must be number larger than 0 | True |
##### Available Providers {#available-providers}
| Provider Name | Provider Code |
|------------------|---------------------|
| Danske Bank | SE_Danskebank |
| Handelsbanken | SE_Handelsbanken |
| Länsförsäkringar | SE_Lansforsakringar |
| Nordea | SE_Nordea |
| SEB | SE_Seb |
| Skandia | SE_Skandia |
| Sparbanken Syd | SE_SparbankenSyd |
| Swedbank | SE_Swedbank |
Scheme for transferring to a Swedish PlusGiro number using OCR as the reference.
##### Scheme Id: SwedishPlusGiroOCRTransfer {#scheme-id-swedishplusgiroocrtransfer}
##### Currency: SEK {#currency-sek}
##### Properties {#properties}
| Property | Description | Validation Regex | Validation Description | Required |
|------------|----------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------|----------|
| Reference | Obligatory OCR Reference | \^\\d{2,25}$ | Must be between 2 and 25 digits long and must pass modulus-10 check-digit validation | True |
| Identifier | Not used in this scheme | N/A | N/A | False |
| Currency | Determines the currency that the payment will be made in | \^SEK$ | Must be SEK | True |
| Amount | The amount to be paid | (?=(?:\^\[0-9\]*\[1-9\]+\[0-9\]* .?\[0-9\]*$)\|(?:\^\[0-9\]* .\[0-9\]*\[1-9\]+\[0-9\]* $))\[0-9\]*.?\[0-9\]* | Must be number larger than 0 | True |
##### Available Providers {#available-providers}
| Provider Name | Provider Code |
|------------------|---------------------|
| Danske Bank | SE_Danskebank |
| Handelsbanken | SE_Handelsbanken |
| Länsförsäkringar | SE_Lansforsakringar |
| Nordea | SE_Nordea |
| SEB | SE_Seb |
| Skandia | SE_Skandia |
| Sparbanken Syd | SE_SparbankenSyd |
| Swedbank | SE_Swedbank |
In certain markets, we provide you an explicit choice as to which
payment scheme to use. Over time wthe schemes list will be extended so that you can select, for example, instant or deferred clearing schemes.
### Step 4: Redirect the Payer to the authorization flow. {#step-4-redirect-the-payer-to-the-authorization-flow}
After creating the payment, Aiia Pay returns a *Payment
authorization link*. This is where the Payer should be sent to in
order to authorize the payment. The link is long-lived and can
be accessed after a long time creation, so it can be sent by emails,
SMS or letters.
Once the Payer navigates to the authorization link that Aiia Pay provided,
they will be presented with a choice of banks and they will be able to
authorize the payment.
After going through the payment flow the Payer is sent back to
the redirect URL provided when creating the payment.
Pay-by-Link authorization link allows the Payer to retry payments in
case of failures by navigating again to the same link, but will
automatically prevent the Payer from paying twice with the same
link.
### Step 5: Present the payment status to the customer {#step-5-present-the-payment-status-to-the-customer}
After creating the payment, it becomes possible to query
the payment status. To do so, use the Payment
Id which returned to you when creating the payment to fetch the
payment, and call the Get Payment Link endpoint.
API Reference: `GET /v2/payments/accept/links/{paymentLinkId}`
When the Payer completes the payment flow, they are redirected back
to the redirect URL provided when creating the payment. Aiia Pay
appends two extra query parameter `?paymentLinkId=&paymentId=`, where `` is the same id you got
from step 3, and `` is an id of the specific payment
attempt. You can use these parameters to retrieve the status of the
payment and, for example, show an appropriate message to the payer. For
security reasons the payment id is checked against the one you obtained in step 3, since browsers allow their
users to manipulate any query parameters.
Compared to base *Accept Payments* product, *Accept Payments -
Pay-by-Link* provides a simplified view of the payment state. The
in-progress states are generally not as important as Aiia Pay will take
care of the payment lifecycle. Furthermore, Pay-by-Link payments can
only be successfully initiated or expire, since the Payer can retry
them as many times as necessary.
| **Name** | **Description** |
|-----------|----------------------------------------------------------------------------------|
| Requested | Payment link has been requested and is ready to be paid by the payer. |
| Expired | Payment link has expired before being initiated. |
| Initiated | The payment has been successfully initiated. |
| Received | Currently not in use - The payment has been received on the destination account. |
Each payment attempt can be individually examined by using the Get
Accept Payment endpoint. These statuses are described in the [Accept
Payments guide](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/accept-payments/index.md).
### Step 6: Receive status updates through webhooks. {#step-6-receive-status-updates-through-webhooks}
Instead of polling the payment status, we recommend to use Aiia Pay's webhooks functionality. Webhooks allow receipt of notifications on payment state changes and other events so that you can avoid repeatedly polling.
Refer to the [Webhooks](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/event-notifications/event-types/index.md) section on how to integrate with this feature.