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Aritma Pay
Aritma Pay directly connects your ERP, payroll system, or other expert systems to banks worldwide. We handle data conversion, ensure smooth information transfer, and make the entire payment process simple and predictable.
Take advantage of our plug-and-play solution and connect to any bank without having to make any changes to your current system.
Your systems
ERP
Payroll system
Other expert systems
Any file
format
ISO 20022
Open banking API
Your banks
Approve all of the company's payments directly, without having to go through online banking. This significantly simplifies the process, especially for businesses with multiple bank connections.
Handles all your domestic and international payments, including payroll and SEPA. With functionality that automatically consolidates multiple payments to the same supplier, costly bank fees are also reduced.
Incoming payments are automated, allowing payments to be matched directly to the correct invoice - even without the use of a reference number. This streamlines reconciliation and quickly closes open entries in the accounting.
Tasks related to the management and conversion of payment files are automated, significantly reducing manual tasks. No more file chaos or manual transaction matching. Save time, reduce human errors, and focus on core tasks.
Automatically import bank statements from the bank. This ensures accurate tracking of all transactions, such as interest and fees. This provides businesses with a comprehensive understanding of all banking activities.
Aritma Pay serves as a standardized solution, completely independent of the ERP, payroll system, or bank you use. This independence ensures that critical business processes remain unaffected, even if you choose to switch systems in the future.
With Aritma Pay you get one of the most flexible solutions for payment transfers there is.
Not only can we communicate with virtually any ERP using any file format on the market today - we cover almost every single bank in the nordics.
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+ 250 banks
+ any ERP
Most companies understand that automating the conversion- and transfer of their payment files will save the company time, but few are aware how much this costs the company every year.
Use our calculator to get a rough estimate.
Bankgiro, the widely used Swedish payment format, is being phased out by 2026.
To become compliant and avoid disruptions, businesses must adapt to the new payment format, ISO 20022 XML.
Join our network of resellers who deliver top-notch financial solutions to their customers. Perfect for accounting agencies, financial consultants, and similar businesses
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Curious about how our products work in practice? Get a free demo where one of our specialists guides you through the desired product and answers any questions you may have.
We are happy to show you how our products make your workflow more efficient.
This is Aritma’s payment solution for businesses that want more than basic payment processing. It connects your ERP, payroll system, or other expert systems with your banks, lets your team approve payments outside online banking, and automates both outgoing and incoming payment flows.
It also gives finance teams better visibility into banking activity across accounts, helping them stay in control with less manual work.
Connect to more than 250 integrations.
Aritma’s payment solution is built for finance teams that need control as much as automation.
It is especially useful for CFOs, accountants, and consultants working across multiple bank connections, companies, and payment routines, because it simplifies approvals, improves visibility into transactions, and reduces manual handling across the payment process.
Depending on setup, Aritma’s connected platform capabilities can also support real time bank data and per account balance visibility, which strengthens day to day financial management.
Automated payments with Aritma offers numerous benefits:
1. Efficiency: Reduces the time and effort required for manual data entry.
2. Accuracy: Minimizes human errors, ensuring precise financial records.
3. Cost Savings: Lowers administrative costs associated with manual accounting processes.
4. Real-Time Processing: Enables immediate processing of transactions, improving cash flow management.
5. Integration: Seamlessly integrates with existing accounting software, enhancing overall financial management.
6. Compliance: Ensures adherence to regulatory standards and reporting requirements.
Our payment solution helps finance teams move from manual payment handling to stronger financial control.
You can approve payments outside the bank, automate incoming and outgoing flows, and gain better visibility across accounts and banking activity.
For businesses with multiple entities, banks, or currencies, that means less operational friction and a stronger foundation for day to day financial management.
ISO 20022 XML is an international standard for electronic data interchange between financial institutions. It is much more flexible and detailed than older standards like Bankgiro and Telepay.
It also allows for a more comprehensive description of payment transactions, which improves data quality and provides better opportunities for automation and analysis.
ISO 20022 XML supports a wider range of transaction types and can be adapted to various needs across global markets.
Aritma supports ISO 20022 and is designed to help businesses move from older payment formats, like Teleplay and Bankgiro, to the new standard.
Not necessarily. Aritma’s payment solution is a flexible layer between your systems and your banks, so businesses can keep existing ERP, payroll, or expert systems while we handle the bank communication and format conversion.
Aritma supports domestic and international payments, including payroll and SEPA. It is designed to handle both outgoing and incoming payment flows in one solution.
We support a variety of payment formats including (but not limited to):
- Autogiro (SE): Direct debit system in Sweden.
- Autogiro Leerandørservice (DK): Danish supplier direct debit.
- Avtaledata (NO, DK)
- Avtaledata B2B (NO): B2B agreement data for Norway.
- Bankgirot (SE): Swedish payment processing system.
- BBS (NO): Norwegian payment service.
- Bgmax payments (SE): Enhanced Bankgirot payment system in Sweden.
- BS PBS (DK): Danish payment service.
- Corporate File Payments (SE): Corporate payment files in Sweden.
- Danske Bank (DK): Payment format for Danske Bank.
- Electronic Trade Format EHF (NO): Norwegian electronic trade format.
- E-moneyger (GB): Electronic money services in the UK.
- ERH BEC (DK): Danish ERH format via BEC.
- Finnish Formats (FI): Various Finnish payment formats.
- ISO20022: International standard for electronic data interchange.
- JyskeNettbank (DK): Danish Jyske Bank online banking format.
- New Autogiro (SE): Updated Swedish Autogiro system.
- OCR Finnish Formats: OCR payment formats in Finland.
- PBS FIKAdvis payment card (DK): Danish payment card system.
- Plusgirot (SE): Swedish postal giro system.
- SESISU Nordea (SE): Nordea’s SEPA format in Sweden.
- Telepay 2.01 (NO): Norwegian Telepay format.
- Total IN payments (SE): Total IN inbound payments in Sweden.
- Unitel (DK): Danish Unitel format.
If you can´t find your preferred payment format on the list , get in touch with us.
Payment processing refers to the process of transferring money from a payer to a recipient. This includes both domestic and international transactions and involves banks, payment systems, and other financial institutions that act as intermediaries to ensure the secure and efficient transfer of funds.
Payment processing encompasses the use of various payment instruments such as electronic transfers, credit cards, debit cards, checks, and increasingly, digital and mobile payments.
Autogiro is a direct debit system that allows businesses to automatically withdraw payments from customers' bank accounts, widely used for recurring payments.
Aritma payment module supports this format.
Direct Remittance (also known as Direkte Remittering) is a legacy payment service from Mastercard Payment Services (formerly Nets). It allowed companies to send bulk payments — like salaries and supplier invoices — directly to the bank using BBS or ISO 20022 files.
The service is being phased out in 2026, but Aritma can help you convert to the new standard, without changing how you work in your system.
