Direct debit

Step by step

The steps you need to take to get started are as follows:

1. Sign Trustly's terms and conditions
2. Fill out KYC form
3. Contact bank and set upp new bankgiro number
4. Fill out form with payment information
5. Configure import of payment file
6. Test
7. Activate direct debit

Step 1 – Sign Trustly's General Terms and Conditions

Kivra partners with Trustly to offer automatic payments. Trustly will act as the service bureau for the Bankgiro number used for the Direct Debit service.

To use the service, you need to sign Trustly's General Terms and Conditions.
To form for signature

Step 2 – Complete the Know Your Customer (KYC) Form

Trustly is a payment institution supervised by the Swedish Financial Supervisory Authority (Finansinspektionen) and is legally required to collect customer due diligence data. This information is saved in accordance with anti-money laundering regulations.

Answering the questions is simple and takes approximately 10–20 minutes.

You may be contacted by Trustly for follow-up questions.
To the Form

Step 3 – Contact Your Bank Regarding Direct Debit

To activate a Direct Debit (Autogiro) service with Trustly as the service bureau, contact your bank. Ask your bank to help you set up a new Bankgiro number for Direct Debit according to the following specifications:

Service-Specific Details
Number of retries: 0 (zero)
Reference number: No
Consent via website: Yes
Consent via internet: No
May be displayed in a public Direct Debit directory: No

Reporting
Reporting: Yes
Rejected payment assignments: New layout and daily delivery
Payment specification: New layout and daily delivery
Cancellations/changes of payment: New layout and daily delivery
Consent notifications: New layout and daily delivery
Stopped payments: New layout and daily delivery

Communication
Trustly's service bureau number: 941386
Communication method for customer no: Service Bureau
Reconciliation type: No reconciliation needed (Avstämningslös)
New seal requested: No
Setup via internet bank: No

Step 4 – Fill Out the Form with Payment Information

Fill in your company information and Bankgiro number.
To the Form

Step 5 – Configure Import of Payment File

You will receive daily files containing information about incoming payments via Kivra's automatic payment service.

The file is available in two formats:

• BgMax
• Camt.054C (ISO20022)

The import of this payment file must be configured in the system you use to handle incoming payments from your customers.

The file is generated daily and retrieved from an SFTP server hosted by Kivra.

Step 6 – Testing

The test is conducted in the Kivra production environment. The complete process includes:

1. Kivra enables Direct Debit activation for test users.
   Prerequisite: Kivra needs to receive the personal identity numbers for the users who will be testing the service.
2. The user activates Direct Debit for the sender via Kivra.
   Prerequisite: The user must have received at least one letter or invoice from the sender.
3. The user receives an invoice from the sender, which is automatically scheduled for payment.
4. The scheduled payment is executed—funds are transferred from the payer's bank account to the sender's bank account.
5. The sender retrieves a file with payments from Kivra.
6. The sender's system imports the file from Kivra.

Step 7 – Activate Automatic Payments

Kivra activates automatic payments for all users.