Export a pain XML file for unsupported banks

When a bank is not directly supported by Nordpay’s open banking connection, you can still process payments through it by exporting a pain XML file — the ISO 20022 standard format accepted by most banks for bulk-payment upload.

What is a pain XML file?

A pain file (ISO 20022) is a structured payment instruction file that banks accept for batch uploads. You generate it in Nordpay, download it, and upload it into your bank’s bulk-payment interface. The bank processes the payments; Nordpay records them as Paid manually and, if you choose, creates the ERP postings.

Where: Nordpay → payment overview

1. Tick the payments you want to send through the unsupported bank.
2. Click Manually paid.
3. In the next screen, click Create XML file (or the equivalent button that appears).
4. Download the generated pain file.
5. Log in to your bank’s online portal and upload the file via the bulk-payment or file-upload interface.
6. The bank processes the payments.

The payments stay in Paid manually status in Nordpay. If you chose to create ERP postings during the marking step, those appear in your payment journal.

Caution

This flow does not give you Nordpay’s seamless bank authorisation. You must log in to your bank separately to upload and approve the file. Make sure the file is uploaded before your bank’s cut-off time for the payment date.

When to use the pain XML route

Use pain XML when:

• A client’s bank is not supported by Nordpay’s open banking integration.
• A specific payment must go through a bank that requires extra handling Nordpay does not cover.
• You are transitioning a client to Nordpay and some payments still need to go via the old netbank during the transition period.

For all payments on supported banks, the standard Nordpay approval flow is faster and fully automated.

Related: Mark a payment as manually paid · Nordpay payment statuses