January - April
Markets & coverage
Full bank coverage in Norway. We’ve added Sparebanken Vest to our network, completing our full coverage of the Norwegian banking market. With this addition, all major Norwegian banks are now accessible through our API.
Full bank coverage for batch payments in the Netherlands. With ABN AMRO now integrated into our signing basket solution, we’ve completed support for all major Dutch B2B banks in batch payments.
Swedbank ISO now available via Open Payments. Swedbank is saying goodbye to its old file format and switching to ISO, ahead of Bankgirot’s shutdown in 2026. Several systems, including Monitor ERP, Bjorn Lunden, and Freedom Group, are already up and running with ISO for Swedbank, using Open Payments as the integrator. We’ve done the heavy lifting to make the transition as smooth as possible. If your ERP wants to offer ISO for Swedbank too, we’re ready.
Improvements
Smarter OCR validation for smoother payments. Our OCR number validation has been upgraded to prevent errors before a payment is sent. This means an automatic check that the reference is valid upfront, reducing failed transactions and minimizing manual corrections.
ISO file retrieval tracking. ERPs can now automatically register and display when the latest ISO file was retrieved. This gives end customers instant insight into whether, for example, yesterday’s transactions have been collected, eliminating guesswork.
Simplified authentication for Nordea Corp Netbank. Nordea Corp Netbank no longer requires an Agreement ID for communication. End customers can now use your standard organizational ID instead. The Agreement ID remains optional, but this update simplifies implementation and removes unnecessary coding.
All API documentation in one place. All our API documentation is now consolidated in one place, making it easier to access and explore.
Easier payment cancellations in Swedbank. Incorrect payments in Swedbank can now be canceled directly in the ERP before they are processed. Just like in DNB, Nordea, SEB, SpareBank 1 and Sparbanken Syd.
Improved salary payments. Our ISO payment flows for salaries have been fine-tuned for better efficiency and reliability. Payroll processing is now even smoother across all connected banks.
Reliable end-of-day balances for DNB. End-of-day balances for DNB are now consistently included, ensuring more accurate reporting and reconciliation.
PSU-ID support for letters in Nordea Finland. End customers using Nordea Finland can now include letters in their PSU-ID, making authentication smoother and fully aligned with the bank’s format.
Proof of payment reports. End customers can now generate proof of payment reports, making it easier to confirm completed transactions and share payment verification with suppliers or other stakeholders.
More accurate payment statuses in Danske Bank. Danske Bank now differentiates between payments that are scheduled and those that have been completed. Payments now first receive the status ACCP when registered, indicating that they are scheduled for execution. Once processed, the status updates to ACSC. Previously, payments were marked as ACSC immediately, regardless of whether they had been executed or not.
Enhanced credit note handling. Users can now settle multiple debit invoices with a single credit invoice in their ISO payments.
More accurate payment statuses in Nordea. Payments that are “On Hold” in Nordea now receive the status PATC when no payment’s status reason is provided. When insufficient funds is provided as the payment’s status reason, the payment will receive ACCP, otherwise it will receive PDNG.
More accurate ISO statuses in DNB Norway. ISO payments that have been signed with a future execution date now receive status ACSP and then receive status ACSC once the payment has been executed. Previously, payments with future execution dates would receive status ACCP once signed.
Clearer indicators for ISO file enrichment in AIS. We now provide the parameters lastTransactionEnrichmentDateTime and lastBalanceEnrichmentDateTime, giving users a better understanding of the data they are seeing in the AIS.
Support for larger signing basket amounts in SEB. Users can now initiate signing baskets with amounts exceeding 3M SEK in SEB, which was previously not possible due to limitations set by the bank.
More accurate account information in Handelsbanken. The parameter creditLimitIncluded is now excluded in the AIS for accounts where this information is not explicitly provided by Handelsbanken. This parameter was previously included and set to “false” in these cases.
Added currency exchange enrichment for ISO payments. We now handle all currencies in ISO international payments and enrich the AIS with all FX information from ISO files.
Improved payment matching in Handelsbanken. The AIS now enriches retrieved ISO payments containing charges in Handelsbanken with both paymentId matching and information on the charges themselves.
Regulatory reporting in ISO flow. Regulatory reporting is now included to ISO files when required for larger transactions in Nordea, Swedbank, SEB, Handelsbanken and Danske Bank.
Added support for card accounts in Handelsbanken. The AIS now supports fetching data for Handelsbanken card accounts.
Added enrichment on international payments in Sparebank 1. International payments retrieved in the AIS are now enriched with both paymentId matching and all relevant information from the payment instruction.
Added enrichment on DNB Norway transactions. The AIS now shows the end of day balance for DNB Norway accounts by retrieving the balance after transaction on the last transaction in the requested list.
Enhanced verification of payment statuses in Nordea. We have built functionality to handle and deliver correct statuses on payments in Nordea. There were previously instances where payments would be stuck in ACCP even after settlement.
Improved handling of instant debit in SEB. The PIS now allows users to initiate instant debits of SEB accounts after the bank’s daily cutoff time.
Added validation of reference character limits in SEB and Swedbank. Invoice references are now sent in the remittance unstructured field on ISO files to circumvent character limits set by the banks.
International and SEPA payments in Handelsbanken. The PIS now allows users to initiate international payments, as well as SEPA payments in Handelsbanken. It is also possible for the user to define the charge bearer for the payment.
Improved enrichment in AIS for Sparebank 1. When fetching transaction details, the AIS now retrieves lump sums and reads all entry details as single transactions in Sparebank 1.
Added enrichment on transactions in Nordea Corp Netbank. If a card number is provided in a Nordea Corp Netbank transaction, the AIS now retrieves information on the card number via the maskedPan parameter.
Enhanced support for creditor name in Payout Service. The character limit for creditorName has been increased for further flexibility.
Updated format of account balance timestamp in ING. The format of the lastChangeDateTime field when fetching balances for ING accounts has been updated to match the bank’s format.
Updated implementation of dateFrom and dateTo parameters in Rabobank. Previously, when a user wanted to fetch transactions in Rabobank for a specific date, the dateTo parameter would be set to said date at midnight, meaning that no transactions would be fetched for that day. We have re-implemented the dateTo parameter to be set to midnight on the date after the one requested by the user, thereby ensuring all data for the requested timeframe are fetched in the AIS.
Added error message for international payments. International payments that fail due to the requested execution date being over 30 days in the future from the date of initiation now receive an intuitive error message stating the reason for the failure.
Updated use of ISO files for enriching transactions list. The AIS now fetches transaction data from camt.053 files in order to ensure that no enrichment is missed for the specified timeframe.
Updated statuses for duality signing in Danske Bank. Payments in Danske Bank that require duality now receive the status PATC when awaiting the second signature.
Fixes
Rate limit issues in AIS. We have resolved an issue where AIS requests would time out due to significantly large responses.
Multiple ISO identifications in DNB. We have resolved an issue where the number of identifications in pain.001 files for DNB would grow after each confirm request.
Support for “-“ character in Danske Bank. We now allow the “-“ character in PG/BG numbers in Danske Bank Filepay.
Incorrect statuses in Nordea redirect flow. We have resolved an issue in Nordea where payments within signing baskets would not update correctly in the redirect flow.
That’s it for this time! As always, we’d love to hear your feedback so let us know what you think or if there’s anything you’d like to see in future updates. Just drop us a line: support@openpayments.io