File services

  • Efficient payment flows – less duplication, less manual work.
  • Better overview and control – data enables simplified reconciliation and automated matching.
  • Get started easily – works with any ERP system that can handle files, requires no additional software or charges, and is included in the Corporate package.
Business woman working.

What are file services?

Automated payments

Does your company use an accounting system but register payments manually online? Save time by transferring information electronically. With Handelsbanken's file services, you can automate much of your company's payment process.

Outgoing payments

When you register payments in your Enterprise Resource Planning (ERP) system, you create a payment file. After logging in to Online Corporate Banking, you can send the file without registering the payments again. We make the payments on the pay date, and you can see payment details online. You can also get a reconciliation file that your ERP system can read and process.

Incoming payments

When you receive a payment, you can see the details online. You can also get this information as a file and register it in your ERP system for automatic matching.

Account statements on file – directly in your ERP system

Make business easier by scanning and processing bank statements directly in your ERP system. This service gives information on all incoming and outgoing payments in one file for account balances. Much of your company's manual work with matching transactions and ledger administration disappears if you use account statements on file. Instead, transactions are matched automatically.

FAQ

  • What are file services?

    File services enable you to send payment files and retrieve reporting files between your business system and Handelsbanken. This reduces manual work and streamlines your company’s payment processes.

  • Which companies can benefit from file services?

    File services are suitable for companies that use a business system with file-handling capabilities and want to automate their payment and accounting processes.

  • What is required to use file services?

    You need a business system that can create and receive files in the formats supported by Handelsbanken. Depending on your needs, you may also require a secure file transfer solution.

  • How do I get started with file services?

    If you need help getting started, please contact your local Handelsbanken branch.

File formats

The Gateway supports general standard formats such as SWIFT, ISO 20022 and a number of local formats. Here you will find implementation guidelines and example files for the various formats.

ISO 20022 XML

ISO 20022 XML is a multi part international standard used in financial communication.

ISO 20022 XML implementation guidelinesÖppnas i nytt fönster
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SWIFT

SWIFT is an open and global text-based messaging format for financial information.

SWIFT implementation guidelinesÖppnas i nytt fönster
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Other formats

We also support several local formats that can be used for financial communication.

Other, local formatsÖppnas i nytt fönster
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Test File

  • What is schema validation?

    Schema validation means checking that an ISO 20022 XML file follows the correct XML structure before it is sent to the bank. It is a first step in ensuring that the file can be processed correctly.

  • Why do I need to validate my files against the schema?

    All ISO 20022 files need to pass schema validation before they can be used for communication with the bank. This reduces the risk of errors later in the process.

  • How does schema validation work?

    The validation is carried out in the following steps:

    1. You need an XML validator – a program that checks the XML file against an XSD schema, which defines how the file should be structured.
    2. Download the schema for the correct XML format to your computer.
    3. Validate the file using your XML validator.
    4. Once the file has passed schema validation, the next step is to check that its content complies with the rules for the type of payment you are using. Log in to Internet Företag. Select File Management / Administration / Test File and upload the file for validation.
    5. After the validation, you will receive a test report under Search Case.
  • Which file formats are supported?

    XSD schemas are available for the ISO 20022 formats pain.001 and pain.008.

  • Where can I download XSD schemas for ISO 20022?

    Here you can find XSD schemas for the ISO 20022 formats used for schema validation of payment files.

    ISO 20022 pain.001 ver 3 (zip) (zip)ISO 20022 pain.008 ver 2 (zip) (zip)

Documentation and guidance Technical Information

  • Secure File Transfer

    Learn more about our requirements for secure file transfer, including Handelsbanken’s public PGP key and SSH host keys.
    Secure file transfer