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AvtaleGiro

Country: Norway (NO)  |  Payment Rail: bank_clearing

DirectDebit Market Adoption: 5%

AvtaleGiro is Norway automated national direct debit scheme, featuring seamless pre-authorized recurring bank deductions and widely used for monthly telecommunications, fitness memberships, utilities, and insurance premiums.

🔄 User Payment Flow

  1. Customer signs an AvtaleGiro agreement in their online or mobile bank using BankID
  2. Customer defines maximum monthly debit limit and notifications preference
  3. Biller submits invoice claim in advance of payment due date
  4. Bank automatically debits customer account on due date and notifies customer

⚙️ Characteristics & Settlement

Instant PaymentNO
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant receives electronic AvtaleGiro mandate from Norwegian banking clearing house
  • Merchant transmits batch payment claims before scheduled due dates
  • Bank clears funds and deposits directly into merchant account on settlement day

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Adyen