Reference:
Payments Common API/Domestic transfer
Q:
In reference to your documentation, what happens if we attempt to create an order exceeding 100 000 DKK? What API response will we receive?
A:
In this case you'll receive the following response:
HTTP status code 400
failures": [
{
"code": "nordea.error.payment.amount.above_monthly_limit",
"description": "Payment amount exceeds the allowed monthly limit",
"path": "amount"
}
Q:
Can payments with status OnHold be cancelled?
A:
Yes, you can cancel such payments (especially in Norway).
Q:
What do different payment statuses mean?
A:
Please refer to our documentation:
Payment status description (Payments API Domestic Transfer)
Q:
When we requested:
with "authentication_method":"BANKID_SE" in the request body we didn't receive bank_id_se_authentication_id. Can we assume that PSU (Payment Service User) cancelled the payment?
A:
It may indicate that PSU cancelled the confirmation.
Q:
Regarding failed payments initiated after cut-off hours with the following error:
"code": "iso.error.payment.TM01", "description": "The cut-off for execution has passed"
Do you plan to allow payments to be initiated but process them in the next business day?
A:
We do not plan to implement automatic payment transfers. If the cut-off time has passed, the next banking day should be set as the execution date.
Q:
While initiating a payment with the following request body:
{"amount":"46.00","creditor":{"account":{"_type":"IBAN","value":"MT53CFTE{redacted}843"},"message":"BA{redacted}78"},"currency":"EUR","debtor":{"account":{"_type":"IBAN","currency":"SEK","value":"SE053{redacted}997"}},"end_to_end_identification":"stq74{redacted}21"}
we get the subsequent error:
"code":"error.validation","description":"No enum constant com.nordea.openbanking.api.common.NordeaBranchCountryCode.MT","path":"account"
We suspect either Maltese banks are not allowed as a creditor accounts or we call domestic endpoint:
POST /personal/v5/payments/domestic-credit-transfers
instead of some other endpoint?
A:
The proper endpoint for cross-border transfers is:
POST /personal/v5/payments/cross-border-credit-transfers
Q:
Can payments with Confirmed status be deleted? What is the difference between stopping and deleting a payment?
A:
Yes, they are allowed to be deleted. Essentially there is no difference between stopping and deleting a payment. We have Delete payment service that could be used to stop a payment that was previously created (for example: future instances of a recurring payment can be stopped by deleting the payment).
Please refer to:
Payment status description (Payments API Domestic Transfer)
Q:
We create payments with requested_execution_date set to Saturday and see that planned_execution_date in the API response is set to Monday, for example:
Response:
Message: HttpResponse: StatusCode: 201, ReasonPhrase: 'Created'
Content:{ "group_header": { "creation_date_time": "2025-05-16T22:01:37.504712645Z", "http_code": 201, "message_identification": "025{redacted}1681" }, "response": { "_id": "1d127a90-0977-{redacted}-1b4fcd71608f", "_links": [ { "href": "/v5/payments/domestic-credit-transfers/1d127a90-0977-{redacted}-1b4fcd71608f", "rel": "self" } ], "amount": "959.0", "creditor": { "account": { "_type": "BBAN_SE", "currency": "SEK", "value": "90{redacted}39" }, "message": "F{redacted}0", "name": "K{redacted}T" }, "currency": "SEK", "debtor": { "account": { "_type": "BBAN_SE", "currency": "SEK", "value": "15{redacted}2" }, "message": "F0{redacted}0" }, "entry_date_time": "2025-05-16T22:01:37.484863949Z", "payment_status": "PendingConfirmation", "planned_execution_date": "2025-05-19", "requested_execution_date": "2025-05-17",
Why is that?
A:
We don't execute any payments on weekends therefore the behavior is correct.
Please also refer to: Cut-off times
Q:
Can we successfully initiate a future-dated Swedish domestic payment on behalf of a PSU whose current balance is insufficient?
A:
We do not validate the account balance during the payment initiation phase. Balance verification is performed on the execution date.
Q:
For Swedish 10-digit BBANs, is it permissible to prepend the clearing number to the account number when sending payments? For example:
"debtor": { "account": { "_type": "BBAN_SE", "currency": "SEK", "value": "33001231231234" }}
A:
Payments may be sent using the BBAN format with the clearing number prepended to the account number.
Q:
How does the requested_execution_date parameter work for Swedish transfers initiated via:
POST /personal/v5/payments/domestic-credit-transfers
Is it possible to schedule a payment on a bank holiday?
A:
It should be possible to schedule a payment on a bank holiday; however, execution will only happen on the next banking date. Money will be debited when the payment is executed.
Q:
Regarding the Payments Common API and POST requests for payments, would there be any issues if we always send the urgency parameter in the request body as express? Will this approach incur additional fees for domestic payments in Denmark, Norway, or Sweden? How does the system handle the logic for scheduled payments that are also marked as express?
A:
Express urgency is only supported for payments initiated from Denmark and Finland, not for Norway and Sweden. Future-dated payments cannot be created as express. Fees may apply for express payments depending on the payment type, consistent with Netbank charging structures.
Q:
What is the maximum amount for an instant payment in Denmark?
A:
The standard limit is 50,000 DKK for instant payments. If the customer needs to increase the limit temporarily, they must contact customer support, with a maximum limit of 500,000 DKK.
Q:
In Sweden, when fetching the BankID transfer status through the endpoint:
we expect one of the following values for the status field: WAITING_FOR_USER, IN_PROGRESS, FAILED, SUCCESS.
Does the FAILED status indicate only that the PSU did not complete the SCA process?
A:
A FAILED status means the PSU did not complete payment signing, resulting in process failure.
Q:
What is the timeout duration when a PSU abandons the SCA process?
A:
The signing status becomes FAILED after approximately 15 minutes of inactivity.
Q:
Is creditor reference applicable for a Swedish domestic account transfer?
A:
No, it's not applicable. Please see:
Q:
Is payment treated as a domestic transfer when an account with type "BBAN_SE" is used?
A:
Yes, it is treated as a domestic transfer.
Q:
What type of creditor account must be used for BankGiro payments?
A:
For BankGiro payments, the creditor account must be of type "BGNR" with "OCR" reference type support.