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, 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. 

Information on eGateway services for account statements, authorisation, credit advice, debit advice, direct debit, payments and status reports.

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

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 the documents 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.

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

Supporting material
Document Version  Comments 
Payment Types - pain.001.001.03 2.4  
Pain.001 v3 examples, the Nordics 1.9  
Pain.001 v3 examples, non-Nordics 2.1  
Direct Debit examples 0.9  


Standard ISO20022 XML Schemas:

Nordea's Corporate eGateway service follows the standard ISO20022 XML schemas for all its files. The standard XML schemas can be found by using this external link to

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 detail on country level. 

Nordea Account Structure (pdf, 200 KB)

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 

If you want to use Nordea’s File Transfer Services, please contact your local Cash Management adviser.  

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. 

Implementation guide

Transactions in XML ISO20022 - Common Global Implementation (CGI) compliant
Document Version Comments
MIG XML ISO20022 pain.001.001.03 2.8 Changes since 2.7
MIG XML ISO20022 pain.002.001.03 1.3 Changes since 1.2
MIG XML ISO20022 camt.053.001.02 1.8 Changes since 1.7
Bank Transaction Code List for camt.053.001.02 1.8 Changes since 1.7
MIG XML ISO20022 camt.054.001.02 Credit Advices 1.5 Changes since 1.4
MIG XML ISO20022 camt.054.001.02 Debit Advices 1.9 Changes since 1.8
Bank Transaction Code List for camt.054.001.02 1.5 Changes since 1.4


Direct Debit
Document Version Comments
Direct Debit Reversal pain.007.001.02 1.3 Changes since 1.2  
Direct Debit Initiation pain.008.001.02 1.5 Changes since 1.4
Mandate Initiation pain.009.001.03 1.3 Changes since 1.2
Mandate Cancellation pain.011.001.03 1.3 Changes since 1.2
Mandate Acceptance Report pain.012.001.03                   1.3 Changes since 1.2


Direct Debit cancellation request    
Document Version Comments
Resolution of Investigation camt.029.001.03 1.0  
Payment Cancellation Request camt.055.001.01              1.2 Changes since 1.1


External material    
Document Version Comments
Payments - Maintenance 2009 Message Definition Report      Sept. 2009 ISO 20022

Below you will find other format descriptions provided by Nordea which may be used in relation to Corporate eGateway:

Document Version Comments
BAI USD                     1.0  
BAI CAD 1.0  


Account statements    
Document Version Comments
MT940 1.4  

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

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. 

View eGateway cut-off times

Corporate eGateway is based on the concept of one-point-of entry, meaning that Nordea Bank AB (Publ) is the global point of entry for you. 

Nordea provides Corporate eGateway Support on all business days, when any Nordea unit is open for business. 

The opening hours are 07.00-18.00 (CET), Monday - Friday. 



Privacy notice 

As a data controller Nordea Bank Abp, filial i Sverige processes personal data to deliver the products and services that are agreed between the parties and for other purposes, such as to help you with your request or comply with laws and other regulations. For detailed information on Nordea Bank Abp's, filial i Sverige, processing of personal data, please review Nordea’s privacy policy, which is available on Nordea’s website or by contacting Nordea Bank Abp, filial i Sverige. The privacy policy contains information about the rights in connection with the processing of personal data, such as the access to information, rectification, data portability, etc.

The information provided by you will be processed in accordance with Nordea’s Privacy Policy. Please do not provide any sensitive or financial information in this form. Should you have a banking related question, kindly contact us through your Netbank or customer service. 

Get in touch 

For more information about how we can support your business contact your Nordea adviser.