Swedish domestic payments

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This guide covers how to initiate domestic Swedish payments via the Aritma Banking API. It covers the three domestic payment types and which API parameters to use for each. Sweden has a unique payment landscape with multiple creditor account types — Bankgiro, Plusgiro, and BBAN (domestic bank account numbers) — each with distinct identification schemes, clearing member IDs, and bank-specific rules.

All three are sent to the same endpoint with the same JSON structure. Aritma uses the account type, currency and country you send to create the correct domestic payment for the customer's bank. You don't need to send bank-specific values such as clearing member IDs for Bankgiro or Plusgiro.

Important: Payments can only be instructed from Bankgiro numbers that are linked to a bank account serviced by the debtor's bank. Payments can only be instructed from Bankgiro numbers that are linked to a bank account serviced by the debtor's bank.

Domestic Payment Types

1. Bankgiro Payment

A payment to a Bankgiro number (alias). Use when the creditor has provided a 7–8 digit Bankgiro number.

API input:

Body structure

One request creates one bulk payment containing one or more payment lines. All lines in a request must share the same debtor account and requestedExecutionDate.

{
  "debtorAccount": {"bban": "123456789"},
  "debtorName": "Aritma AS",
  "debtorAddress": {"townName": "Stockholm", "country": "SE"},
  "requestedExecutionDate": "2026-01-01",
  "paymentLines": [
    {
    .....
      "endToEndIdentification": "end-to-end-12345",
      "instructedAmount": {"currency": "SEK", "amount": "100"},
      "creditorAccount": {"other":{
                            "identification":"80017654",
                            "schemeName":"BGNR"                             
                                } },
      "creditorName": "Leverantör AB",
      "creditorAgentCountryCode":"SE",
      "creditorAddress": {"townName": "Stockholm", "country": "SE"},
      "remittanceInformationStructured":{"reference": "897874654875", "referenceType": "SCOR"}
    }
  ]
}

Rules:

• Bankgiro numbers are 7 or 8 digits.

2. Plusgiro Payment

A payment to a Plusgiro number (account at Nordea). Use when the creditor has provided a 2–8 digit Plusgiro number.

API input:

Body structure

One request creates one bulk payment containing one or more payment lines. All lines in a request must share the same debtor account and requestedExecutionDate.

{
  "debtorAccount": {"bban": "123456789"},
  "debtorName": "Aritma AS",
  "debtorAddress": {"townName": "Stockholm", "country": "SE"},
  "requestedExecutionDate": "2026-01-01",
  "paymentLines": [
    {
    .....
      "endToEndIdentification": "end-to-end-12345",
      "instructedAmount": {"currency": "SEK", "amount": "100"},
      "creditorAccount": {"other":{
                            "identification":"40017654",
                            "schemeName":"PGNR"                             
                                } },
      "creditorName": "Leverantör AB",
      "creditorAgentCountryCode":"SE",
      "creditorAddress": {"townName": "Stockholm", "country": "SE"},
      "remittanceInformationStructured":{"reference": "897874654875", "referenceType": "SCOR"}
    }
  ]
}

Rules:

• Plusgiro numbers are 2–8 digits. Never starts with 0.

3. Account Payment (BBAN)

A payment directly to a Swedish bank account using a clearing number + account number.

API input:

Body structure

One request creates one bulk payment containing one or more payment lines. All lines in a request must share the same debtor account and requestedExecutionDate.

{
  "debtorAccount": {"bban": "123456789"},
  "debtorName": "Aritma AS",
  "debtorAddress": {"townName": "Stockholm", "country": "SE"},
  "requestedExecutionDate": "2026-01-01",
  "paymentLines": [
    {
    .....
      "endToEndIdentification": "end-to-end-12345",
      "instructedAmount": {"currency": "SEK", "amount": "100"},
      "creditorAccount": {"bban":"832796940330123"},
      "creditorAgentClearingSystem":{"memberid":"8327"},
      "creditorName": "Leverantör AB",
      "creditorAgentCountryCode":"SE",
      "creditorAddress": {"townName": "Stockholm", "country": "SE"},
      "remittanceInformationStructured":{"reference": "897874654875", "referenceType": "SCOR"}
    }
  ]
}

Rules:

• The clearing number in memberId identifies the creditor's bank.
• 5 digits when starting with 8 (Swedbank/Sparbanken), otherwise 4 digits.
• Do not send creditorAgent.bic at the same time as creditorAgentClearingSystem.memberId.

International Payments from Sweden

Tax Reporting Code

A tax reporting code must be provided when a cross-border payment exceeds SEK 150,000 (or equivalent in foreign currency). Codes are maintained by Skatteverket.

Provide the code:

Only one code per payment. See the full list of payment codes on Skatteverket.se.

Checklist

Before sending, check that:

• Bankgiro numbers use schemeName: "BGNR" and Plusgiro numbers use schemeName: "PGNR"
• Bankgiro and Plusgiro numbers contain digits only
• Account payments use bban
• Account payments use creditorAgentClearingSystem: {"memberId": "XXXX"}
• creditorName is populated
• debtorAddress and creditorAddress include townName and country