Payment method priority by country

Why the ordering differs by country

Structured payment references (FIK in Denmark, KID in Norway) are the preferred payment method in those countries because they reconcile automatically in the supplier’s accounting and carry lower bank fees than free-form transfers. Sweden has no widely-used equivalent, so bank account is effectively the dominant choice there.

Recommended orderings

Denmark

1. FIK / KID / giro
2. Bank account
3. International

FIK is almost always present on Danish invoices and is the cheapest, most reliable option.

Norway

1. FIK / KID / giro
2. Bank account
3. International

KID works the same way as FIK. Place it first and let Nordflow fall back to bank account only when KID is absent.

Sweden

1. Bank account
2. FIK / KID / giro
3. International

The structured-reference field is usually empty for Swedish suppliers, so the ordering has little practical effect — bank account dominates in nearly every case.

Multi-country customers

Configure the ordering per customer in their individual Customer profile. There is no global default.

Related: Set payment method priority for a customer