PAYMENTS

Joint inpayment forms (FI)

By using Joint Inpayment Forms you will get your receivables directly into your account at
­Handelsbanken. The funds will be available with value one business day after the payment is
­executed by debtor. The notification is electronic and it is possible automatically to reconciliate the
payments into your financial management system.

Choice of form type
Your choice of form type depends on your company’s mix of
customers, your requirements as to reconciliation routines
etc.
The main features of the three types of Joint Inpayment
Forms are:
Form type 71 has a 15-character payment identification­
number, which identifies the payment, typically the ­customer
and the invoice number. This payment ­identification number
is sent electronically with the payment from the customer
and makes it possible to automatically reconcile entries in
your ERP-system.
Form type 73 has no payment identification number. Instead
the debtor may attach an individual text as a ­message.
The message could for instance explain a ­difference in
the amount paid. Or it could be information about a cash
discount or a credit note. Your financial ­management system
Form type 75 combines form types 71 and 73. The payment
identification number consists of 16 characters and can be
supplemented by an individual message. This type is a good
alternative to type 71, especially if ­individual messages are
required in certain cases.
We suggest that we together analyze your customers and
consider which customers are to use form type 71 and
which should have the option of attaching a message.
Benefits to you as the creditor:
• This kind of payment type is often used in Denmark and can
be combined with the product Betalingsservice at Nets
• It is possible to integrate the Joint Inpayment Form with
most financial management systems which minimize your
time used on administration
• You can receive a message together with your payment
• You do not have to know the debtor in advance
Benefits to you as the debtor:

can be programmed to handle automatic reconciliation,
for instance on the basis of the invoice number entered in
advance in the message field. However this is not as suitable
as for form types 71 and 75.
• You can pay through our e-banking systems (Corporate
Netbank and GlobalOn-Line) and other banks electronic
payment systems and at bank branches
• You have the possibility of attaching a message to your
payment electronically

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PAYMENTS

Places of payment Notification about payments received

Your debtors can pay at all bank branches in Denmark. It is
also possible to execute payment through Handelsbanken’s
e-banking systems (Corporate Netbank and G
­ lobalOn-Line)
and other banks electronic payment ­systems. A giro account
is no longer required.
The Joint Inpayment Form is a standard form for all ­Danish
banks.
Fees
The fee payable by the debtor depends on where and how
the payment is made. The creditor at Handelsbanken pays
an establishment fee for each form type.
You can receive notification:
• downloading a file from Corporate Netbank in one of
the 4 standard formats used by the banking sector in
­Denmark
• downloading a file from GlobalOn-Line in same t­ypes of
formats as for Corporate Netbank and in e.g. MT940 and
XML ISO20022
• electronically via Nets – but only form type 71
• on a printed list from our e-banking systems
It is possible to automatically reconcile entries in your
­financial management system using the above mentioned file
formats.

Form type 71 – for automatic reconciliation

• Particularly suitable for automatic reconciliation of book­
keeping entries in a company’s financial management
­system
• Mainly used for payments from individuals to corporate
companies
• The debtor cannot send individual messages to the
creditor.
• The optically readable line below (OCR line) is a complete
Example of form type 71.
Also available in a version with the receipt slip below the main slip.
code line as to the manual
• Advice of payment consists of the payment identification
number only

Form type 73 – forcustomers not known in advance

• Particularly suitable for collection from customers that
are not already registered in your debtor files, such as for
fund-raising purposes or for associations that do not use
the code line (OCR line) for administrative purposes
• Can also be used when an order is placed simultaneously
with the payment
• As a creditor you will receive the message from the d
­ ebtor
and the name and address of the debtor ­electronically
Example of form type 73.
Also available in a version with the receipt slip below the main slip. through Corporate Netbank / GlobalOn-Line

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PAYMENTS

What is printed on the payment slip?

Please see FI-type 75 below.

(1) Debtor’s name and address

(2) Message, if any, to the beneficiary
(3) Form type code
(4) Payment identification number
(5) Creditor number
(6) Optical Character Recognition line (OCR line)
(7) Main sort code of creditor’s bank – not mandatory
Please note that the size of the transfer forms shown has been
­reduced and that the OCR-B font has not been used in the OCR line.

Form type 75 – Business-to-business

• Can be used in the same way as form type 71, but the
payment identification number has one more digit
• As a creditor you will receive information on the payment
identification number and a message from the debtor, if
any. As the payment identification number contains the
­necessary figures for identifying the debtor, we do not
pass on the d
­ ebtor’s name and address
• Is typically used between companies, where the debtor
Example of form type 75.
Also available in a version with the receipt slip below the main slip. ­occasionally needs to attach a message to the payment,
for instance if a credit note has been deducted from the
amount
• Is also suitable for regular customers wishing to pay
several invoices in one payment or to make use of special
terms of payment

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PAYMENTS
Approval
For all 3 Joint Inpayment Form types , the layout in terms
of color, logo, the OCR line and arrangement of the fields
are subject to a number of rules. All Danish printing houses,
software houses and service agencies hold a printing guide,
which can also be obtained at Handelsbanken.
If you wish to print the forms yourself or to add the OCR line
by means of your own laser printer, you must observe the
­rules as to layout. You will find these rules for FI-71, FI-73
and FI-75 on handelsbanken.dk – Indbetalingskort (Joint
Inpayment). This is a precautionary measure for the sake of
you and your customers.
You can buy pre-printed transfer forms with or without OCR
line from your supplier of forms. We would be ­pleased to
give you the name of a supplier.
Alternative to the joint inpayment form
It is not necessary to attach a FI payment slip together with
your invoice. Instead you can print the information of the
payment idenfication (OCR line), e.g.
+71< 000000000019349 + 80882939<
Creditor number
Handelsbanken assigns the creditor a creditor number,
which cannot be related to a specific bank.
The creditor number ensures that an amount paid to you is
transferred directly into your account at Handelsbanken.
An abbreviated creditor name (18 characters) will be stated
against the amount in the debtor’s bank statement when he/
she pays through his own bank.
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Direct debits (Betalingsservice)
Joint Inpayment Forms type 71 are often used as a
­supplement to the direct debit product – Betalingsservice.
You can use the Joint Inpayment Form for customers who
do not wish to pay by direct debit or for customers you only
do business with occasionally.
The creditor and debtor identification numbers for
­establishing Betalingsservice by your debtors has to be
printed on the form according to the rules contained in the
forms manual.
Further information
You can learn more about the benefits of Joint Inpayment
Forms and other rational payment methods by contacting
one of our branches.
Comparison of the three form types
Form type 71 73 75
Message No Yes, up to 41 lines of 35
characters if the debtor pays
through an e-banking system
Payment Yes, 14 digits No Yes, 15 digits
identification no. + check digit + check digit
Name and address No Yes No
Similar to giro
form type codes 04 and 15 01 05 and 41