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Payments
Payments shouldn’t depend on which ERP, payroll system, or bank you use.
We convert formats, standardise the flow, and make the payment process predictable – so you can automate today and switch systems later without rework.
Payments connects to virtually any ERP or payroll system through the formats you already use. It is built to handle variation without breaking your workflow. This flexibility ensures that critical business processes remain unaffected, even if you choose to switch systems in the future.
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.
Connect to almost every bank in the Nordics and keep your payment process consistent across accounts and entities.
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.
With Aritma your finance team can review and approve payments outside the bank portal, giving you a smoother workflow, better control, and less time spent jumping between systems.
Aritma works independently of your ERP, payroll system, and bank. That means less risk, more flexibility, and the freedom to change systems in the future without replacing your payment setup.
Plug into Nordic banking from almost any ERP — using the file formats you already have.
Delivered direct or through certified reseller partners in our ecosystem.
Cut manual exports, uploads and bank logins
Reduce errors with automated conversion
Lower costs by consolidating supplier payments
Improve control with approvals outside the bank
A standardised integration layer —independent of ERP and bank
Handles files and modern API rails
Deep Nordic coverage with 250+ banks
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.
See how Aritma automates outgoing and incoming payments, connects your systems to Nordic banks, and gives your finance team one smoother way to manage approvals, formats and payment status.
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