betalingsanvisning

Betalingsanvisning is a term used in Swedish and Norwegian contexts meaning payment instruction. It refers to the information that accompanies an invoice and specifies how the payment should be made, including bank details, references and any special instructions. It can be part of the invoice document or issued as a separate document.

Purpose: Aims to enable the payer to transfer funds correctly and promptly and to ensure proper allocation of the payment to the correct invoice. It reduces errors and processing delays, and is essential for both B2B and B2C transactions.

Typical content: The creditor’s name and bank details (IBAN, SWIFT/BIC, bank name), the payer’s reference or invoice number, the due date, the amount due and currency, accepted payment methods, and any remittance information or payment reference to use. For international payments, the betalingsanvisning will often require IBAN and SWIFT/BIC and may include instructions on fees and preferred currencies. Some systems also include OCR references or customer numbers to aid reconciliation.

Formats and delivery: Can be printed on the invoice, provided as a separate document, or transmitted via electronic invoicing or payment platforms. In some countries, standardized payment slips or references are used to facilitate automatic reconciliation.

Regulatory and practical considerations: Accuracy in bank details and references is important for correct allocation. Compliance with local banking standards and data protection rules applies; misdirected payments can cause delays or disputes. The betalingsanvisning is distinct from the payment terms, which define when payments are due and any late charges.