Background
The Riksbank’s regulations (RBFS 2025:1) on the reporting of payment statistics will come into force on 1 October 2026. The regulations apply to payment service providers and payment system operators domiciled in Sweden, as well as foreign payment service providers with a Swedish branch.
Payment service providers include credit institutions, payment institutions and electronic money institutions that provide payment services. The reporting frequency (weekly, monthly, semi-annually or annually) depends on the specific payment services that the business provides. The areas and items covered by the reporting obligation are listed below:
- Instant credit transfers
- Credit transfers
- Card-based payment transactions
- ATM cash withdrawals
- Cash advance at POS terminal
- ATM cash deposits
- Direct debits
- Money remittances
- E-money payment transactions
- Payment initiation services
- OTC cash deposits
- OTC cash withdrawals
- Cards
- Payment accounts
- POS terminals
- E-money card terminals
- ATMs
Unlike standard authority reporting, submission is fully automated via the Riksbank's API. This places strict demands on file formats, Python-based validation, and secure authentication.
NFC offers a comprehensive, business-specific solution that automates the entire workflow – without the need for advanced technical expertise or complicated installations.
Reporting solution
Data is filled in business-customised Excel templates, designed according to the Riksbank's schemas (up to 17 templates depending on your operations).
The templates are automatically converted to JSON format and packaged according to the Riksbank's schemas.
Data and file structure are checked locally using the Riksbank's own validation rules in Python to ensure correct reporting.
Through a certificate-based authentication and reporting solution, the validated files are sent directly to the Riksbank's API.
How can NFC help you?
Area | Description |
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Determine reporting requirements |
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Reporting solution |
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Reporting support |
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Next Steps
NFC has extensive experience of regulatory reporting, data management and the interpretation of regulations, and has been following the Riksbank’s work on payment statistics since the regulations were adopted.
The Riksbank has recommended that test reporting be started well in advance of the first live reporting. If you do not have a technical solution in place, it is time to begin implementation.
Do you want to ensure reliable and smooth reporting?
Contact us for a review of your needs, or read more about our regulatory reporting services and our previous article about what the reporting requires.
