Country specific Payment rules
The Netherlands
Country specific information about our Payment Initiation API and its implementation rules.
General Information
Here you'll find useful information regarding our Payment Initiation API for The Netherlands, such as country specific rules, the Implementation Guidelines for all the payment types and general rules for our payment products.
As we operate worldwide, the services we offer are tailored for each market, so it's important to bear in mind that there can be differences between all of the countries and their payment products.
SCA Methods
The strong customer authentication (SCA) methods and security solutions applicable for Dutch customers are:
- Redirect: Card reader and log-on card, with / without cable
Payment products
For Individual and Corporate banking customers, we provide SEPA Credit Transfers and Cross-Border Payments.
Corporate mandate
If a countersignature for a payment is necessary as per the Mandate between the Corporate customer and Handelsbanken, please advise the customer to action this within their Online Banking.
PSU-Corporate-ID
For Corporate customers, when sending in a request using our POST endpoint, you need to add a "PSU-Corporate-ID" into the header. For Dutch Corporates, this is a 6 digit Handelsbanken customer number. If the customer does not know their customer number, they can contact their local branch.
Implementation Guidelines
Within the link below, you’ll find all the payment types that you can offer to our Individual and Corporate customers. We also detail what fields, formats and values are required for each payment type.
It's really important that you follow these guidelines to ensure that payments do not get rejected due to incorrect information.
Dutch Implementation Guidelines
General payment rules
The table below contains general rules, cut-off times and processing rules, applicable to the payments that you can offer to our mutual customers.
|
Payment |
Type |
General rules |
Cut-off time |
Processing rules |
|
SEPA |
Normal |
Payment in EUR within the SEPA area. The beneficiary bank must be a SEPA bank. |
15:00 CET on working days. |
Same day delivery, providing it’s received before the cut-off time. |
|
SEPA |
Structured |
Payment in EUR within the SEPA area with an RF reference or Acceptgiro 17 reference. The beneficiary bank must be a SEPA bank. |
15:00 CET on working days. |
Same day delivery, providing it’s received before the cut-off time. |
|
SEPA |
Salary |
Salary Payment in EUR within the SEPA area. The beneficiary bank must be a SEPA bank. Only for Corporate customers. |
15:00 CET on working days. |
Same day delivery, providing it’s received before the cut-off time. |
|
Local |
Euro express payment |
Urgent Payment in EUR within the SEPA area. Only for Corporate customers. |
16:00 CET on working days. |
If the Euro express payment is authorised before 16:00 CET on the payment date, the beneficiary receives funds the same day. Within the Netherlands the payment will be credited to the beneficiary within 1.5 hours, providing it's received before the cut-off time. |
|
Cross-border |
Normal |
Any payment outside the SEPA area or a payment in a currency other than EUR within the SEPA area.
|
Depends on the currency. Please see Payment information for Private customers (in Dutch only) or Payment information for Corporate customers(in Dutch only). |
For processing rules and expected value dates, please see Payment information for Private customers (in Dutch only) or Payment information for Corporate customers(in Dutch only). |
| Cross-border | Express |
Urgent payment outside the SEPA area or a payment in a currency other than EUR within the SEPA area. |
Depends on the currency. Please see Payment information for Private customers (in Dutch only) or Payment information for Corporate customers(in Dutch only). |
For processing rules and expected value dates, please see Payment information for Private customers (in Dutch only) or Payment information for Corporate customers(in Dutch only). |