Upcoming changes in Swedish payment infrastructure

Sweden is facing one of the biggest changes in the history of its payment infrastructure, regarding the updated payment type Credit Transfer. Please refer to the information in the below link.

PLEASE NOTE - INFORMATION ABOUT V 2 PAYMENTS APIs!

Update regarding V2 Payments API for Swedish customers.

The withdrawn V2 Private Payments API will be relaunched after summer. Exact date will be communicated closer to the launch and we are then welcoming you to switch from the V1 Payment API.

The V2 version, both corporate and private, will have added endpoints for Other Bank Domestic Credit Transfer (all other endpoints in V2 remain the same) and must only be used for payments that should be processed a.s.a.p. as we recognize this is important for some TPPs.

In short:

- When the Other Bank Domestic Credit Transfer is used the account is debited straight after the payment has past all internal validations.

- When the SEK Credit Transfer payment is used the account is debited by choice of the TPP/Customer (future dated).

Updates will be communicated via email and the Developer Portal. The V1 Payment API remains fully supported and available. We apologize for any inconvenience caused.

Information regarding SEK Credit transfer

For frequently asked questions and answers about SEK Credit transfer please follow below link

FAQ: FAQ about SEK Credit Transfer

Payment Initiation API

Our Payment Initiation API offers a wide range of payments that our mutual customers can initiate through your innovative financial apps.

   "debtorAccount": {
      "value": "401934551",
      "accountType": "BBAN"
    },
    "instructedAmount": {
      "currency": "GBP",
      "amount": 1000.00 
    },
    "paymentTypeInformation": {
      "serviceLevel": {
        "code": "NURG"
      },

 

The benefits of using our APIs

By using this API, you can safely and securely offer payment services to customers, such as:

- Initiate payments
- Initiate transfers
- Initiate cross-border payments
- Get payment status
- Cancellation of payments
- Signing Basket (only valid for Sweden)
- Short term consent (only valid for Sweden and individual)

As we operate in multiple countries, further down this page you'll find links to our country specific pages where you'll find business rules and Implementation Guidelines.

 

Available APIs

We provide two type of APIs, a general API and country specific APIs. However, we are aiming to have just country specific APIs. For Great Britain and Luxemburg we have country specific APIs but for the other countries you have to use the common API. For Great Britain you can, at the moment, use both types but for Luxemburg you can only use the country specific API.

Sweden, Great Britain and The Netherlands: We have one Payments API that supports all three countries.

Great Britain: We have a country specific Payments API for Individual and Corporate customers in Great Britain.

Luxembourg: We have a country specific Payments API for Individual customers in Luxembourg.

All API products can be fount here: All API products

 

Country specific information

As mentioned above, we operate in multiple countries and the payment types available vary depending on which country the accounts are located in. It is very important that you read the Implementation Guidelines, as they provide key details about which fields, formats and values are required for each payment type. To view the country specific information regarding the Payment Initiation API, please click on the links below.

 

Testing our APIs

When you've read through the documentation on this page and are ready to start some testing, please head over to this guide which will take you through the testing, step-by-step: Sandbox testing

 

Implementing our Live APIs

When you've thoroughly tested our APIs and are ready to use our Live PSD2 APIs, you will first need to enroll with us. This can only be done by Third Party Providers that are authorised by their Local Competent Authority. If that applies to you, please follow this guide: Live Data Enrollment

Please note that for Handelsbanken Norway, the PSD2 APIs are handled by a third party service provider where you'll need to separately sign-up and register. The link to their portal can be found in the Country specific section.