Autogiro

Autogiro is the primary Swedish Direct Debit solution for both B2C and B2B, provided by Bankgirot. It allows recurring payments to be collected from customers’ accounts with minimal customer interaction after the initial setup.

Mandate Registration

In Autogiro terminology, an agreement is called a mandate. The following will use the term agreement and mandate interchangeably.

Autogiro provides an “out-of-band” style agreement registration, similar to BetalingsService.

  1. The customer receives a physical invoice or notification with identifiers (Payer Number, Bankgiro Number).

  2. The customer registers this in their online banking solution.

  3. A mandate is sent to the merchant via file transfers from Bankgirot.

  4. Recurring payments can be charged on the consumer’s account, associated with the specific mandate.

Since all of this is “out-of-band”, there is little developer integration here.

The requirement is that an account is set up for Autogiro and that mandates and payments are imported using the files from Bankgirot. INFO-Subscription takes care of this for you, if configured during onboarding. Reach out to support to get help with this.

The rest is taken care of by INFO-Subscription in terms of billing, payment generation etc.

Mandate Registration to First Payment Flow

The following sequence diagram illustrates the complete flow from mandate registration through to the first payment claim:

        %%{init: { 'sequence': { 'mirrorActors': false } } }%%
sequenceDiagram
   actor Customer
   participant Bank as Customer's Bank
   participant Bankgirot
   participant INFO-Subscription
   participant Merchant

   Note over Customer,Merchant: Mandate Registration Phase
   Merchant->>Customer: Send invoice with Payer Number & Bankgiro Number
   Customer->>Bank: Register Autogiro mandate in online banking
   Bank->>Bankgirot: Submit mandate registration
   Bankgirot->>INFO-Subscription: Send mandate file (approval)
   activate INFO-Subscription
   INFO-Subscription->>INFO-Subscription: Import and activate mandate
   INFO-Subscription->>INFO-Subscription: Create payment agreement
   deactivate INFO-Subscription
   Note over Customer,Merchant: Billing & Payment Phase
   INFO-Subscription->>INFO-Subscription: Generate invoice (billing cycle)
   INFO-Subscription->>INFO-Subscription: Create payment claim
   INFO-Subscription->>Bankgirot: Send payment file with claim
   Bankgirot->>Bank: Process payment request
   Bank->>Bank: Debit customer account
   Bank->>Bankgirot: Payment confirmation
   Bankgirot->>INFO-Subscription: Send payment confirmation file
   INFO-Subscription->>INFO-Subscription: Update payment status
   INFO-Subscription->>Merchant: Payment completed notification

Cancelling Mandates

At any point in time, the consumer may cancel the mandate via their bank, in which case an alternate means should be used to get the payment.

INFO-Subscription manages this scenario by:

  • Disabling the mandate once a cancellation is received.

  • Disabling the payment agreement and reverting to the default agreement (Invoice or Email).

  • Generating reminders on Invoice since no payment is going to be received with Autogiro.