SEPA XML (pain.001.001.09) & Peppol BIS 3.0 / EHF 3.0 Automation for Austria & the Nordics
Convert ERP exports, Stripe/Shopify orders, or CSV spreadsheets into bank-ready ISO 20022 SEPA Credit Transfers & Direct Debits (Erste, Raiffeisen, Nordea, Danske Bank, SEB, Swedbank, OP, DNB) and EN 16931 Peppol BIS Billing 3.0 XML (Norway EHF 3.0, Denmark Bogføringsloven / NemHandel, Sweden, Finland & Austria).
Country-by-Country Banking Gateways & Peppol Endpoint IDs
All five markets share the exact same OASIS UBL 2.1 Peppol BIS Billing 3.0 XML standard and ISO 20022 2026 Structured Address (`<TwnNm>` + `<Ctry>`) banking rules:
| Country | Corporate Bank Portals (pain.001 / pain.008) | National E-Invoice Mandate & Peppol Scheme | IBAN Width |
|---|---|---|---|
| 🇦🇹 Austria (AT) | Erste Bank (George Business / Telebanking Pro), Raiffeisen Mein ELBA, UniCredit Bank Austria, BAWAG | Peppol BIS 3.0 (9914 ATU VAT / 9915 B2Ggv) + DATEV EXTF CSV for Steuerberater |
AT + 18 digits (20) |
| 🇳🇴 Norway (NO) | DNB Corporate, SpareBank 1, Nordea Corporate Access, Handelsbanken | EHF Billing 3.0 = Peppol BIS 3.0 UBL (Scheme 0192 9-digit Org.nr + MVA) |
NO + 13 digits (15) |
| 🇸🇪 Sweden (SE) | SEB C&I, Swedbank, Svenska Handelsbanken, Nordea Corporate | Peppol BIS 3.0 (replaces legacy Svefaktura; Scheme 0007 Org.nr) |
SE + 22 digits (24) |
| 🇩🇰 Denmark (DK) | Danske Bank District, Nykredit, Jyske Bank, Nordea | Bogføringsloven (Digital Bookkeeping Act) via NemHandel / Peppol BIS 3.0 (0184 CVR / 0088 GLN) |
DK + 16 digits (18) |
| 🇫🇮 Finland (FI) | OP Corporate Hub, Nordea Corporate, Danske Bank District | Peppol BIS 3.0 (Scheme 0216 OVT-tunnus / 0037 Y-tunnus; interoperable with Finvoice gateways) |
FI + 16 digits (18) |
Generate Norwegian EHF 3.0 / Nordic Peppol UBL Invoice
Pass standard JSON with PEPPOL_UBL profile and 25% MVA/Moms VAT—receive deterministic, cent-exact OASIS UBL 2.1 XML ready for any Peppol Access Point (Maventa, Pagero, Basware, Logiq, Compello):
curl -X POST "https://api.apify.com/v2/acts/finops_studio~eu-einvoice-xml-generator/run-sync-get-dataset-items?token=YOUR_APIFY_TOKEN" \
-H "Content-Type: application/json" \
-d '{
"profile": "PEPPOL_UBL",
"invoiceNumber": "NO-2026-4410",
"issueDate": "2026-11-13",
"dueDate": "2026-12-13",
"currency": "NOK",
"buyerReference": "PO-OSLO-992",
"seller": {
"name": "Nordic Cloud Systems AS",
"vatId": "NO987654321MVA",
"endpointId": "987654321",
"endpointScheme": "0192",
"street": "Karl Johans gate 14",
"city": "Oslo",
"postalCode": "0154",
"country": "NO"
},
"buyer": {
"name": "Fjord Logistics AS",
"vatId": "NO912345678MVA",
"endpointId": "912345678",
"endpointScheme": "0192",
"street": "Bryggen 7",
"city": "Bergen",
"postalCode": "5003",
"country": "NO"
},
"lines": [
{ "description": "Enterprise Treasury Integration", "quantity": 10, "unitPrice": 1250.00, "vatRate": 25 }
]
}'
Generate Austrian & Finnish 2026 SEPA pain.001.001.09 XML
Automatically validates Austrian (AT), Finnish (FI), Swedish (SE), Danish (DK), and Norwegian (NO) IBAN MOD-97 checksums, sanitizes Å/Ä/Ö/Æ/Ø/Ü/ß, and outputs mandatory 2026 structured <PstlAdr> tags:
curl -X POST "https://api.apify.com/v2/acts/finops_studio~sepa-xml-generator/run-sync-get-dataset-items?token=YOUR_APIFY_TOKEN" \
-H "Content-Type: application/json" \
-d '{
"paymentType": "CREDIT_TRANSFER",
"painVersion": "pain.001.001.09",
"messageId": "VIENNA-HELSINKI-2026-11",
"executionDate": "2026-11-16",
"initiatingParty": {
"name": "AlpenTech GmbH",
"iban": "AT611904300234573201",
"bic": "BKAUATWWXXX",
"address": { "street": "Kaerntner Ring 12", "postalCode": "1010", "city": "Wien", "country": "AT" }
},
"transactions": [
{
"endToEndId": "INV-FI-8821",
"amount": 4850.50,
"currency": "EUR",
"creditorName": "Sisu Engineering Oy",
"creditorIban": "FI2112345600000785",
"creditorBic": "NDEAFIHHXXX",
"creditorAddress": { "street": "Mannerheimintie 20", "postalCode": "00100", "city": "Helsinki", "country": "FI" },
"remittanceInfo": "Invoice INV-FI-8821"
}
]
}'
Austrian Steuerberater & DACH Accounting: Also Generate Official DATEV EXTF v700 CSV
Austrian and cross-border DACH companies working with tax advisors using DATEV, BMD, or RZL can pair Peppol e-invoicing directly with our DATEV Buchungsstapel EXTF v700 Generator ($0/mo + $0.02/booking row).
Zero Subscription Lock-In vs. €1,800–€6,000/yr Legacy EDI Connectors
Traditional Nordic & Austrian ERP bank-file modules charge hefty annual maintenance fees before you send a single invoice or payment batch. FinOps Studio charges $0/month—pay $0.02 per SEPA transaction or $0.05 per Peppol/EHF XML invoice via Apify Cloud.