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Cash management egateway

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 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.                  


How eGateway can benefit your organisation

• One system interface, one banking partner, one agreement and one support function

• Possibility to build a Shared Service Centre for payments

• Automated reconciliation processes

• Reduced operating and transactional costs

• The same syntax for all countries and reduced need to adapt to local changes

• Limited maintenance of system interface

• External and internal IT changes can be made independently 

eGateway technical details

eGateway services Documents Format Descriptions Security Cut-off times eGateway services

eGateway services

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, the UK and USA and Canada. 

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.

Account structures

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.

Nordea Account Structure (pdf, 440 KB)

Functional specifications

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.

Functional specification for Credit Advices (pdf, 1 MB)

Functional specification for Nordea Payments (pdf, 684 KB)

Functional specification for XML Direct Debit (pdf, 1 MB)


Corporate eGateway exchanges files via either AS2, SFTP, FTP/VPN, Web Services or SWIFTNet FileAct. 

You will find more information about communication methods offered by Corporate eGateway via the following link: 

File Transfer Services

If you want to use Nordea’s File Transfer Services, 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.

Implementation guide (pdf, 363 KB)


Definition of business and technical vocabulary concerning Corporate eGateway.

eGateway Glossary (pdf, 632 KB)

Format Descriptions

Format Descriptions

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 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.

XML ISO20022 messages

Transactions in XML ISO20022 - Common Global Implementation (CGI) compliant
DocumentVersion Comments
MIG XML ISO20022 pain. (pdf, 766 KB)Changes since 2.1 (pdf, 248 KB)
MIG XML ISO20022 pain. (pdf, 453 KB)Changes since 1.2 (pdf, 220 KB)
MIG XML ISO20022 camt. (pdf, 505 KB)Changes since 1.2 (pdf, 205 KB)
Bank Transaction Code List for camt. (pdf, 440 KB)Changes since 1.3 (pdf, 214 KB)
MIG XML ISO20022 camt.054.001.02 Credit Advices1.3 (pdf, 705 KB)Changes since 1.2 (pdf, 225 KB)
MIG XML ISO20022 camt.054.001.02 Debit Advices1.7 (pdf, 661 KB)Changes since 1.6 (pdf, 223 KB)
Bank Transaction Code List for camt. (pdf, 478 KB)Changes since 1.1 (pdf, 69 KB)


Direct Debit
DocumentVersion Comments
Direct Debit Reversal pain. (pdf, 504 KB)Changes since 1.1 (pdf, 193 KB)
Direct Debit Initiation pain. (pdf, 602 KB)Changes since 1.1 (pdf, 218 KB)
Mandate Initiation pain. (pdf, 610 KB)Changes since 1.1 (pdf, 214 KB)
Mandate Cancellation pain. (pdf, 586 KB)Changes since 1.1 (pdf, 213 KB)
Mandate Acceptance Report pain. (pdf, 593 KB)Changes since 1.0 (pdf, 193 KB)
Direct Debit cancellation request
DocumentVersion Comments
Resolution of Investigation camt. (pdf, 471 KB)
Payment Cancellation Request
1.1 (pdf, 533 KB)Changes since 1.0 (pdf, 194 KB)
Supporting material
DocumentVersion Comments
Payment Types - pain. (pdf, 786 KB)
Pain.001 v3 examples, the Nordics
1.7 (pdf, 867 KB)
Pain.001 v3 examples, non-Nordics
1.8 (pdf, 746 KB)
Direct Debit examples0.9 (pdf, 1 MB)
External material
DocumentVersion Comments
Payments - Maintenance 2009 Message Definition ReportSeptember 2009 (pdf, 9 MB)ISO 20022

Other formats

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):

DocumentVersion Comments
1.0 (pdf, 22 KB)
BAI CAD1.0 (pdf, 27 KB)
Account statements
DocumentVersion Comments
MT9401.4 (pdf, 87 KB)

Message flow

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, see below.

Message flow and use of XML ISO20022 Messages (pdf, 492 KB)



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.

Use of Security

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 standards such as the PGP (Pretty Good Privacy) security method.

We also offer transmission via SWIFTNet FileAct applying the security provided by SWIFTNet.

Related documentation

Public Key Document (pdf, 70 KB)

PGP Factsheet (pdf, 97 KB)

Cut-off times

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.

Cut-off times (pdf, 812 KB)