Autogiro
Country: Sweden (SE) | Payment Rail: bank_clearing
DirectDebit
Market Adoption: 5%
Autogiro is the national direct debit clearing system in Sweden, featuring automated recurring bank withdrawals widely used for subscriptions, utility bills, insurance, and regular memberships.
🔄 User Payment Flow
- User chooses Autogiro direct debit for recurring service or subscription
- User enters clearing number and bank account number
- User signs electronic direct debit mandate using Mobile BankID
- Future scheduled billings are automatically debited on due dates
⚙️ Characteristics & Settlement
| Instant Payment | NO |
| Supports QR | NO |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant submits digital mandate consent to Bankgirot clearing network
- Merchant sends automated batch debit files prior to payment due date
- Bankgirot executes clearing across Swedish banks and credits merchant account
- Automated settlement and failure report is returned
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 Adyen