# Accept Payments integration guide
source: https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/accept-payments/quickstart/index.md
Accept Payment enables you to receive payments from
customers as part of an interactive application, such as in
ecommerce use cases.
Note: For use cases with asynchronous payment scenarios, such as invoicing, leveraging the [Pay-by-Link](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/accept-payments/pay-by-link/index.md) feature is recommended.
The steps detailed below are required to start receiving payments.
### Step 1: Get an API Key {#step-1-get-an-api-key}
As an integrator, you need to register for Aiia Pay through the
Developer Portal and acquire a `ClientId` and `Client Secret`. The
detailed flow is described in the step *Get your credentials* of the
[Getting started guide](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/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 have 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 Flow](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/connect/connect-flow/index.md) flow with the `payments:inbound` scopes.
API Reference: `GET /v1/oauth/connect`
The payee is then be guided by Aiia Pay 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 payment destination.
After onboarding the payee's account, you can retrieve information
about the account using the Get Account endpoint.
API Reference: `GET /v1/accounts/{id}`
* The KYC/verification process is asynchronous and is performed independently between Aiia Pay and the payee. The destination is not be usable to create payments in before the completion of the process. 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 using the Create Accept Payment endpoint.
API Reference: `POST /v2/payments/accept`
There are important parameter options when creating a payment:
* `amount`: The payment amount in the specified currency.
* `currency`: The payment currency. 3 char ISO 4217 currency code.
* `destinationId`: The Destination ID that will receive the payment.
* `schemeId`: 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 Aiia Pay's authorization flow. This option does not limit which banks are available for the Payer to choose.
In addition to these options, you need to specify a URL pointing
to where the Payer should be sent back after authorizing the payment.
After successfully creating a payment, Aiia Pay will 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 are usually imposing 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 that is specific to the scheme.
For example, Aiia Pay supports a *Danish domestic transfer* or a
*Norwegian domestic transfer* . 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, which enables customers 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 our 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 an explicit choice as to which
payment scheme to use. Over time the list of schemes
available will be extended so that you will be able to select, for example, instant or
deferred clearing schemes.
### Step 4: Present the payment link to the user. {#step-4-present-the-payment-link-to-the-user}
After creating the payment, you will receive a *Payment
authorization link*. This is where the Payer should be sent to in
order to authorize the payment. The link is short-lived and is
valid only for one minute.
Once the Payer navigates to the authorization link, 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 will be sent back to
the redirect URL you provided when creating the payment.
Note that the payment authorization link cannot be retried by the
payer, even in case of failures. Each new payment attempt will require
a new payment to be created by the integrator.
### Step 5: Present the payment status to the customer {#step-5-present-the-payment-status-to-the-customer}
Immediately after creating the payment it becomes possible to query the status of the payment using the Get Accept Payments endpoint. The payment id is required to fetch the payment status which you obtained in the previous step, and is also sent as part of the webhook notifications. It is recommended to only use the endpoint only when receiving a webhook to reduce your infrastructure requirements.
API Reference: `GET /v2/payments/accept/{paymentId}`
When the Payer completes the payment flow, they are redirected back
to the redirect URL, provided when creating the payment. Aiia Pay
appends an extra query parameter `?paymentId=`, where
`` is the same id you got from step 3. You can use this
parameter to retrieve the payment status. For security reasons,
it is recommended to always check that the payment id matches the one you
obtained in step 3, since browsers allow their users to manipulate any
query parameters.
Here is an example of a redirect Url:
https://devportal.openbanking.mastercard.com/demo?paymentId=qgAAAAVDaXBoZXJ0ZXh0AHAAAAAAhc3pqKXxpxfZnLBlBK8FZApw9cEVp7Fp9d0tcRGsx7Q9
The payment status can be used, in addition to find out if the payment
was successfully completed, to also identify in which stage of the
flow the Payer is currently in:
#### List of status codes {#list-of-status-codes}
 Note:
Mastercard Open Finance Solutions relies on information provided by the payer's ASPSP to update the payment status.
The execution of the Payment initiation is outside the control of Mastercard Open Finance Solutions.
Mastercard Open Finance Solutions reports different statuses depending on the status of the payment as reported by the payer's ASPSP. Details of these payment statuses can be seen in the table below. However, on rare occasions, a payment could be classed as Initiated, and subsequently, the ASPSP could cancel or reject the settlement of funds for a variety of reasons. In this scenario, a payment could be reported as having a successful payment status; however, the funds will not settle into your payee/destination account.
Mastercard Open Finance solutions may not be informed of this, and as a result, we will not have the ability to inform Integrators/Merchants/Payee's of the change in status. Mastercard Open Finance Solutions recommends that Integrators, Merchants or Payees in general verify that they have received funds in their payee/destination account before releasing any goods or fulfill any services to their customers.
The full description of the payment states is the following:
| **Status name** | **Description** | **Recommendations** |
|----------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| `Requested` | The payment request was accepted and the payment is ready to be performed by the payer. | Redirect the Payer to the authorization journey. This recommendation does not apply to pay by link. This state is automatically handled when using the Pay-by-Link feature and no action is needed. |
| `InProgress` | The Payer is going through the payment journey and authorizing the payment. | Wait for the Payer to complete the payment authorization |
| `Authorized` | The Payer completed the authorization and Aiia Pay is now waiting for the bank's confirmation of the payment initiation. | Wait for the bank's confirmation. |
| `Initiated` | The payment has been initiated from the payer's bank and has been scheduled for the provided payment date, or as soon as possible. | The payment initiation is completed by the Payer and provided to the Payee's bank. Remember that the fund transfer to the payee bank is not confirmed, so as next step check that the funds have been received in the Payee's bank account in case payment certainty is required. |
| `Executed` | (Not currently in use) -- The payer's bank confirmed that the payment has been executed and that it cannot be stopped by the Payer anymore. | Check on the destination account if the payment has been received. This is done by Aiia Pay (`Received` state) if the reconciliation feature has been enabled. |
| `Received` | (Not currently in use) -- Aiia Pay confirmed that the payment has been received in the destination bank account. | The payment has been received by the Payee and has been detected at the destination account. No additional step. |
| `OnHold` | The Payer's bank requires further interaction from the Payer after the authorization. This might happen if a second confirmation is needed or if the bank stops the payment even after the payment was authorized. | Instruct the Payer to either follow their bank's instruction or contact their bank for further information. |
| `InitiationNotConfirmable` | The payment has been authorized, but access to the Payer's bank expired before Aiia Pay could get a confirmation of the payment initiation. | Check that the funds have been received in the Payee's bank account. If available, the payment might continue into the Received state. |
| `Failed` | The payment failed. The specific failure reason is available in the `details.reason` field | Create a new payment to retry. |
| `Expired` | The payment expired, or the Payer left the payment authorization page. The payment authorization has not been completed. | Create a new payment to retry. |
| `Cancelled` | The Payer cancelled the payment authorization process or the bank selection. | Create a new payment to retry. |
The payment status is important information that we recommend to
show to the Payer at the end of the authorization phase.
#### List of reason codes {#list-of-reason-codes}
Each state has more detailed information in the payment *reason
codes*.
Note: This list is not exhaustive and more reason codes may be added in the future if the need arises. Your integration should be able to support new (unknown) reason codes to prevent future incompatibilities.
| **Main status code** | **Reason code** | **Description** |
|----------------------------|------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------|
| `Requested` | `Requested` | The payment request was accepted by Aiia Pay and the payment is ready to be performed by the payer. |
| `InProgress` | `InProgress` | The payment initiation is currently in progress. |
| `Authorized` | `Authorized` | The payment initiation was successfully authorized by the payer. |
| `Initiated` | `Initiated` | The payment initiation was accepted by the bank. |
| `Cancelled` | `Cancelled` | The Payer cancelled the payment. |
| `InitiationNotConfirmable` | InitiationNotConfirmable | The payment initiation was successfully authorized by the payer, but we cannot retrieve the latest status with the bank anymore. |
| `OnHold` | `OnHold` | The initiation of the payment was successfully authorized but the payment is OnHold. It requires further interaction from the payer. |
| `Expired` | `AuthorizationTimeout` | The authorization for the payment has timed out. |
| `Expired` | `LinkExpired` | The link for the payment request expired. |
| `Failed` | `Rejected` | The Payer's bank rejected the payment. |
| `Failed` | `BankUnavailable` | The bank is unavailable for payments due to technical issues. |
| `Failed` | `AuthenticationMethodDisabled` | The chosen authentication method by the Payer is not supported. |
| `Failed` | `NoPaymentAccounts` | There are no accounts available to pay from. |
| `Failed` | `SourceAccountNotValidForPayments` | The account chosen can not be used to make a payment. |
| `Failed` | `NotCustomerInBank` | The Payer is not a customer in the bank. |
| `Failed` | `CredentialsNotAuthorizedToMakePayments` | The credentials used to authorize the payment do not have the rights to authorize a payment. |
| `Failed` | `InvalidCurrency` | The currency of the account that the Payer selected does not match the currency of the payment. |
| `Failed` | `DestinationNotSupported` | The currency of the account that the Payer selected does not match the currency of the payment. |
| `Failed` | `Timeout` | Some process took too long and the payment has failed. |
| `Failed` | `ValidationFailed` | There is an issue with how the integrator has made the integration. |
| `Failed` | `TechnicalIssue` | Technical issue with the payment request. |
### Step 6: Receive status updates through webhooks. {#step-6-receive-status-updates-through-webhooks}
Instead of polling the payment status, we recommend to instead use Aiia Pay's webhooks functionality. Webhooks enables you to receive 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/index.md) section on how to integrate with this feature.