Supports a centralised payment and collection factory
Corporate eGateway is Nordea’s file-based, mass payment service with one point of entry for bulk payments and collections in the Nordic and Baltic countries, Germany, Russia, UK, Canada and the US.
The service provides a uniform file interface that covers all relevant types of domestic and cross-border payments, including direct debits in the Nordic area. In Sweden, the service makes it possible to handle both PlusGiro and Bankgiro payments in one file.
Centralised and flexible payment processing
Centralisation of the payment infrastructure limits the maintenance of system interface to one-point-of entry and one format. The need to adapt to local changes is reduced, and external and internal changes of the IT infrastructure can be made without interfering with one another.
It is possible to mix payment instructions to all countries in the same file. Both outgoing and incoming payments are handled in a way that facilitates straight-through-processing and automatic reconciliation for both the payer and the payee.
eGateway technical details
For information on eGateway services for account statements, authorisation, credit advice, debit advice, direct debit, payments, status reports, click here >> (pdf, 462 KB)
Corporate eGateway makes it possible for company groups to use one banking interface for the Nordic and Baltic countries as well as Germany, Poland, the UK and USA and Canada. Through Nordea's partner banks a large number of other countries worldwide will be included as well. By setting-up a centralised EDI server on group level, a company can have a single technical interface with Nordea in terms of file format, communication and security.
To find relevant business and technical information on all services offered by Corporate eGateway, select from below.
This document provides information about the possibilities for sending and receiving BBAN and IBAN account numbers.
The structures of IBAN and BBAN accounts are also described in details on country level.
Each country has different clearing and settlement infrastructures. Therefore each service has been described in detail, including for instance how Nordea processes disbursements, collections and statements through Corporate eGateway.
To find a specific description, covering the essential business information needed when using the Corporate eGateway service, see documents below.
Corporate eGateway exchanges EDIFACT files via either VPN, Connect Direct, SFTP (all through FTP) or a VANS operator. For XML ISO20022 Corporate eGateway offers WebServices for exchanging files.
Corporate eGateway and the local payment systems exchange files in country-specific or SWIFT formats via Nordea's internal network.
In addition, Corporate eGateway offers communication via SWIFTNet, for both EDIFACT and XML ISO20022, using SWIFTNet FileAct.
For detailed information about communication solutions offered by Corporate eGateway, select from below.
For access details please contact your local Cash Management adviser.
To ensure successful implementation, we have multilingual and highly qualified banking professionals with local knowledge and regional expertise to help you meet your strategic business goals. Implementation of Corporate eGateway requires a good organisation, a good understanding of the product and good communication between all parties involved.
The implementation guide is aimed at integration suppliers and customers who are about to integrate a financial system with Corporate eGateway. This guide describes the project organisation tasks and the planning of the implementation. Each chapter contains a checklist.
Definition of business and technical vocabulary concerning Corporate eGateway.
Most customers use an EDI server or similar application for file conversion, security and communication since those routines are poorly supported by the ledger system itself. The EDI server communicates with the ledgers in the ledger system's internal file format and with Nordea's Message centre in either EDIFACT or XML ISO20022 format.
An EDI server has a number of built-in functionalities, but mainly it provides a company with a stand-alone EDI infrastructure. We strongly recommend customers to use an EDI server instead of implementing EDI solutions directly in the ledger system.
To find detailed information about the technical set-up, including Message Implementation Guides (MIG) used by Corporate eGateway, select from below.
Corporate eGateway validates file security and checks file content on a syntax level, when receiving a file. A syntax and service report message (CONTRL) is returned from Corporate eGateway. The message used is either CONTRL for EDIFACT or pain.002 for XML ISO20022. The message indicates either that Nordea rejects the instructions because the received file has an invalid syntax or that Nordea assumes responsibility for further processing of the instructions.
For a full understanding of the use of this message see the documents on the right.
Below you will find the latest version of all EDIFACT format descriptions for Corporate eGateway (all links open in a new window):
|MIG PAYMUL||6.4 (pdf, 906 KB)||Changes since 6.3 (pdf, 79 KB)|
|Payments outside of the Nordic area (RfT)||2.1 (pdf, 500 KB)||Changes since 2.0 (pdf, 31 KB)|
|PAYMUL North America||1.7 (pdf, 780 KB)||Changes since 1.6 (pdf, 71 KB)|
|MIG CONTRL||1.2 (pdf, 312 KB)||Changes since 1.1 (pdf, 82 KB)|
|MIG BANSTA||3.0 (pdf, 404 KB)||Changes since 2.9 (pdf, 18 KB)|
|MIG DEBMUL||2.1 (pdf, 776 KB)||Changes since 2.0 (pdf, 80 KB)|
|MIG CREMUL||3.13 (pdf, 742 KB)||Changes since 3.12 (pdf, 18 KB)|
|MIG DIRDEB||1.4 (pdf, 542 KB)||Changes since 1.3 (pdf, 30 KB)|
|MIG AUTHOR1||1.5 (pdf, 329 KB)||Changes since 1.4 (pdf, 30 KB)|
|MIG AUTHOR2||1.6 (pdf, 371 KB)||Changes since 1.5 (pdf, 30 KB)|
|MIG FINSTA||2.53 (pdf, 245 KB)||Changes since 2.52 (pdf, 27 KB)|
|MIG FINSTA, App1||2.53 (pdf, 101 KB)||Changes since 2.52 (pdf, 27 KB)|
Examples per payment types
|PAYMUL (Europe)||1.3 (pdf, 256 KB)|
|PAYMUL (Nordic and Baltic countries)
||1.7 (pdf, 786 KB)|
|PAYMUL (North America)
||1.0 (pdf, 114 KB)|
|Payment types||3.6 (pdf, 360 KB)|
XML ISO20022 messages
You find more detailed information here (pdf, 149 KB):
Transactions in XML ISO20022 - Common Global Implementation (CGI) compliant
|MIG XML ISO20022 pain.001.001.03||2.0 (pdf, 748 KB)||Changes since 1.9 (pdf, 236 KB)|
|MIG XML ISO20022 pain.002.001.03||1.3 (pdf, 435 KB)||Changes since 1.2 (pdf, 220 KB)|
|MIG XML ISO20022 camt.053.001.02||1.3 (pdf, 510 KB)||Changes since 1.2 (pdf, 205 KB)|
|Bank Transaction Code List for camt.053.001.02||1.3 (pdf, 432 KB)||Changes since 1.2 (pdf, 211 KB)|
|MIG XML ISO20022 camt.054.001.02 Credit Advices||1.2 (pdf, 663 KB)||Changes since 1.1 (pdf, 228 KB)|
|MIG XML ISO20022 camt.054.001.02 Debit Advices||1.7 (pdf, 676 KB)||Changes since 1.6 (pdf, 223 KB)|
|Bank Transaction Code List for camt.054.001.02||1.2 (pdf, 148 KB)||Changes since 1.1 (pdf, 69 KB)|
|Direct Debit Reversal pain.007.001.02||1.1 (pdf, 497 KB)||Changes since 1.0 (pdf, 183 KB)|
|Direct Debit Initiation pain.008.001.02||1.1 (pdf, 610 KB)||Changes since 1.0 (pdf, 214 KB)|
|Mandate Initiation pain.009.001.01||1.1 (pdf, 641 KB)||Changes since 1.0 (pdf, 217 KB)|
|Mandate Cancellation pain.011.001.01||1.1 (pdf, 640 KB)||Changes since 1.0 (pdf, 208 KB)|
|Mandate Acceptance Report pain.012.001.03||1.0 (pdf, 527 KB)|
Direct Debit cancellation request
|Resolution of Investigation camt.029.001.03||1.0 (pdf, 440 KB)|
|Payment Cancellation Request
|1.1 (pdf, 533 KB)||Changes since 1.0 (pdf, 182 KB)|
|Payment Types - pain.001.001.03||1.8 (pdf, 669 KB)|
|Pain.001 v3 examples, the Nordics
||1.6 (pdf, 807 KB)|
|Pain.001 v3 examples, non-Nordics
||1.7 (pdf, 595 KB)|
|Direct Debit examples, the Nordics||0.5 (pdf, 1 MB)|
|Payments - Maintenance 2009 Message Definition Report||September 2009 (pdf, 9 MB)||ISO 20022|
Below you will find other format descriptions provided by Nordea which may be used in relation to Corporate eGateway (all links open in a new window):
|MT940||1.4 (pdf, 87 KB)|
It is important to have full understanding of what and how Nordea's Message Centre performs validation of all messages.
For detailed information about the message flow process in Corporate eGateway, select from below.
Participants must make sure that payment orders are valid instructions to Nordea in order to prevent fraud. It must be ensured that an authorised party gives instructions in such a way that it cannot subsequently be denied that the instructions were sent. Moreover, it must be ensured that the instructions cannot be changed or manipulated by anybody during transmission. To ensure that, transactions should be subject to integrity, origin authentication and non-repudiation of origin techniques.
AUTACK (Authentication and Acknowledgement message)
The AUTACK message is used to authenticate and secure the complete interchange. One AUTACK message is included per interchange conveying one or more digital signatures computed on the complete data of the entire interchange. The digital signature in the AUTACK message is verified using an RSA algorithm and a public key that Corporate eGateway has received from the customer. The digital signature in the AUTACK message ensures that the information comes from a valid party and that the information has not been changed or manipulated by any other party during the transfer.
Use of Security
Corporate eGateway uses security solutions based on either RSA (AUTACK) or PKI (PGP Pretty Good Privacy).
Corporate eGateway makes it possible for you to send or receive files which are fully encrypted, eg securing confidentiality of all transmitted interchanges. For this Corporate eGateway uses worldwide EDIFACT standards as CIPHER and CONFID. In addition, we offer the use of the PGP (Pretty Good Privacy) security method.
We also offer transmission via SWIFTNet FileAct applying the security provided by SWIFTNet.
Corporate eGateway's list of cut-off times provides the cut-off times used by the Message Centre and the local cut-off times for each service and country that are part of Corporate eGateway. It describes the date of entry for each booking applied within the Nordea banks and the expected availability at the beneficiary's bank.