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Autogiro Pro

Pagero Autogiro Pro

Agreement with the bank
Before you can start using the Autogiro service, your company must sign an agreement with the bank. You must then send a test file to Bankgirot. The test file must contain both consents and payment assignments.
When your company is ready to sign an agreement with your bank concerning Autogiro, there are a number of points to consider. These are described in the following section:
Block on credits
In the agreement, your company can state that credits are not permitted. If a payment assignment which you send to Bankgirot contains a credit, Bankgirot will reject it and not process it further. It will be reported in the Format error list provided by Bankgirot.
Retries
When you sign an agreement with your bank, you must decide whether Bankgirot is to attempt retries to determine whether there are sufficient funds in accounts. You can agree on up to three retries. A description of how retries are carried out is given below:
STEP
DESCRIPTION
1
On the morning of the payment day, Bankgirot will send a data file to the banks of all payers. The bank will then approve the debit from the payer's bank account, provided there are sufficient funds in the account. Note that as the balance check is performed early in the morning on the payment day, the payer must have sufficient funds in his or her bank account on the bank working day before the payment day.
2
If the bank does not approve the debit, it will notify Bankgirot accordingly. Bankgirot will report this payment item to the payee in the Sufficient funds checklist (Täckningskontrollista). If the payee has not chosen the retries option, the payment item will be marked with the comment Non-sufficient funds (Täckning saknas). If the payee has chosen retries, the payment item will be marked with the comment Renewed coverage (Förnyad täckning).
3
On the following business day, Bankgirot will perform another test for the payment items that were marked Renewed coverage on the previous bank working day. If the bank does not approve the payment on this occasion either, repeated attempts will be made until either the agreed maximum number of retries is reached or the payment is approved by the payer's bank.
4
If the payment is not approved on the last attempt, Bankgirot will notify the payee accordingly in the Sufficient funds checklist by inserting the comment Non-sufficient funds.
Payer number and weighing code
In Autogiro Privat, the payer number is used to identify a payer and to link the payer to the right bank account number. Each payer must therefore have a unique payer number. As payer number, you can use different types of terms which you use in your customer register to identify your customers. To increase the security of Autogiro Privat, the agreement contains information on a weighing code for the payer number. Depending on the weighing code you specified in the agreement, Bankgirot will check the payer number on the basis of, for example, a 10-module control.
note
Only use the type of payer number that you have agreed with your bank
This table shows the checks that are available and the weighing code you should specify in the agreement:
TYPE OF PAYER NUMBER
WEIGHING CODE
Bank account number (not recommended)
1
National ID number
2
Other number which must be checked in accordance with 10-module
3
Other number which must be checked in accordance with 11-module
4
Other number which is not to be checked
5

This article applies to:

  • PRODUCT: Pagero eBanking

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