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Payment schemes define how money moves between banks. Each scheme—like SEPA in Europe or SWIFT for international transfers—has its own rules, settlement times, and cut-off deadlines. Atlar brings all these schemes together in one place so you can send and track payments without worrying about the underlying network.

Payment schemes are the different payment types banks use to send and receive money. While each scheme operates differently, Atlar abstracts those differences and provides a single interface for creating, sending, and monitoring payments.

Available payment schemes

The table below outlines the payment schemes currently supported in the Atlar dashboard. If you need a scheme that isn’t listed, contact the Atlar team, and they can work with your bank to explore enabling it for you.

Market	Currency	Payment scheme	Abbreviation
All	All	Cross border / SWIFT	CROSS_BORDER
SEPA	EUR	SEPA Credit Transfer	SCT
SEPA	EUR	SEPA Instant Credit Transfer	SCT_INST
UK	GBP	UK BACS	GB_CT_BACS
UK	GBP	UK CHAPS	GB_CT_CHAPS
UK	GBP	UK Faster Payments	GB_CT_FPS
SE	SEK	Swedish account-to-account	SE_A2A
SE	SEK	Swedish Bankgiro and/or Plusgiro	SE_GIRO
DK	DKK	Danish account-to-account	DK_A2A
DK	DKK	Danish same-day credit transfer	DK_CT_SAMEDAY
DK	DKK	Danish instant credit transfer	DK_CT_INST
DK	DKK	Danish FIK71 credit transfer	DK_CT_FIK71
DK	DKK	Danish FIK73 credit transfer	DK_CT_FIK73
DK	DKK	Danish FIK71 credit transfer	DK_CT_FIK75
CH	CHF	Swiss account-to-account	CH_CT
NO	NOK	Norwegian account-to-account	NO_CT
NO	NOK	Norwegian KID payment	NO_CT_KID
US	USD	US ACH	US_CT_ACH
US	USD	US Wire	US_CT_WIRE
IS	ISK	Icelandic account-to-account	IS_CT
AU	AUD	Australian account-to-account	AU_CT
AU	AUD	Australian BPAY	AU_CT_BPAY
IL	ILS	Israel account-to-account	IL_CT
SG	SGD	Singapore account-to-account	SG_CT
BG	BGN	Bulgarian account-to-account	BG_CT
MX	MXN	Mexican account-to-account	MX_CT
KR	KRW	South Korean account-to-account	KR_CT
TH	THB	Thai account-to-account	TH_CT
CA	CAD	Canadian Lynx credit transfer	CA_CT_LYNX
CA	CAD	Canadian ACSS credit transfer	CA_CT_ACSS
PL	PLN	Polish account-to-account	PL_CT

Account and Routing Identifiers

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Atlar validates account and routing details for every payment.
This ensures all required information is present and correct before a credit transfer or direct debit is sent.

When creating a credit transfer or direct debit, Atlar checks that the counterparty’s account and routing identifiers are valid for the chosen payment scheme.

Account identifiers – Examples include a counterparty’s IBAN or local account number. Atlar validates the format and correctness against the selected payment scheme.
Routing identifiers – Examples include BIC/SWIFT codes or local routing numbers. Atlar verifies these details to match the market and payment scheme requirements.

This validation ensures that transfers have the necessary data to be successfully processed by the receiving bank.

SEPA payments

SEPA (Single Euro Payments Area) is a European initiative enabling fast and standardized EUR payments across participating countries. It simplifies cross-border transactions within the EU and select non-EU countries by enforcing common standards for account and routing identifiers.

Payment scheme	Counterparty requirements	Counterparty IBAN	Counterparty Account number	Counterparty Routing type	Counterparty Routing number
SEPA credit transfer	IBAN	Depends on the counterparty market	❌ No	BIC / SWIFT	8-11 characters
SEPA Instant credit transfer	IBAN	Depends on the counterparty market	❌ No	BIC / SWIFT	8-11 characters
SEPA Direct Debit CORE	IBAN	Depends on the counterparty market	❌ No	BIC / SWIFT	8-11 characters
SEPA Direct Debit B2B	IBAN	Depends on the counterparty market	❌ No	BIC / SWIFT	8-11 characters

Domestic payments

Sweden

Domestic payments in Sweden must be initiated from/to an account in Sweden held in SEK.

Payment scheme	Counterparty requirements	Counterparty IBAN	Counterparty Account number	Counterparty Routing type	Counterparty Routing number
Swedish account-to-account	IBAN	24 characters	Opt for IBAN. If not possible, refer to “international payments” below	Opt for IBAN. If not possible, refer to “international payments” below	Opt for IBAN. If not possible, refer to “international payments” below
Swedish bankgiro	Bankgiro	❌ No	Bankgiro number: 7–8 digits	❌ No	❌ No
Swedish plusgiro	Plusgiro	❌ No	Plusgiro number: 2–8 digits	❌ No	❌ No
Autogiro	IBAN	24 characters	Opt for IBAN. If not possible, refer to “international payments” below	Opt for IBAN. If not possible, refer to “international payments” below	Opt for IBAN. If not possible, refer to “international payments” below

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Tip: Always use an IBAN when possible to simplify validation and avoid errors.
If IBAN is not available, follow the “international payments” requirements for cross-border transfers.

Denmark

Domestic payments in Denmark must be initiated from/to an account in Denmark held in DKK.

Payment scheme	Counterparty requirements	Counterparty IBAN	Counterparty Account number	Counterparty Routing type	Counterparty Routing number
Danish account-to-account	IBAN or Account number	18 characters	13 digits	❌ No	❌ No
Danish same-day credit transfer	IBAN or Account number	18 characters	13 digits	❌ No	❌ No
Danish instant credit transfer	IBAN or Account number	18 characters	13 digits	❌ No	❌ No
Danish FIK71 credit transfer (1)	FIK creditor number	❌ No	FIK creditor number: 8 digits	❌ No	❌ No
Danish FIK73 credit transfer (2)	FIK creditor number	❌ No	FIK creditor number: 8 digits	❌ No	❌ No
Danish FIK75 credit transfer (3)	FIK creditor number	❌ No	FIK creditor number: 8 digits	❌ No	❌ No
Betalningsservice	IBAN or Account number	18 characters	13 digits	❌ No	❌ No

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Tip: Use IBAN whenever available to simplify validation and ensure seamless processing.

Reference: 15-digit OCR
Reference: free text
Reference: 16-digit OCR or free text

Norway

Domestic payments in Norway must be initiated from/to an account in Norway held in NOK.

Payment scheme	Counterparty requirements	Counterparty IBAN	Counterparty Account number	Counterparty Routing type	Counterparty Routing number
Norwegian account-to-account	IBAN	15 characters	❌ No	❌ No	❌ No
Norwegian KID payment (1)	IBAN	15 characters	❌ No	❌ No	❌ No

Reference: 4–25 digits KID reference

Finland

Domestic payments in Finland are mostly initiated as SEPA transfers—opt for this payment scheme when performing domestic payments within Finland.

Note: The transfer must be initiated between two EUR accounts. If you are transferring to a non-EUR account, you can opt for an International payment / cross-border transfer.

United Kingdom

Domestic payments in the United Kingdom must be initiated from/to an account in the UK held in GBP.

Payment scheme	Counterparty requirements	Counterparty IBAN	Counterparty Account number	Counterparty Routing type	Counterparty Routing number
UK account-to-account BACS	IBAN or Account number + routing number	22 characters	8 digits	UK sort code (`GB_DSC`)	6 digits
UK account-to-account CHAPS	IBAN or Account number + routing number	22 characters	8 digits	UK sort code (`GB_DSC`)	6 digits
UK account-to-account Faster Payments	IBAN or Account number + routing number	22 characters	8 digits	UK sort code (`GB_DSC`)	6 digits

United States

Domestic payments in the United States must be initiated from/to an account in the United States held in USD.

Payment scheme	Counterparty requirements	Counterparty IBAN	Counterparty Account number	Counterparty Routing type	Counterparty Routing number
US ACH*	Account number + routing number	❌ No	6–17 digits	US routing (`US_ABA`)	9 digits
US Wire	Account number + routing number	❌ No	6–17 digits	US routing (`US_ABA`)	9 digits

You must always specify whether the counterparty is a Company or an Individual when performing US ACH payments. Update this when creating the counterparty under More details → Type of Counterparty.

Switzerland

Domestic payments in Switzerland must be initiated from/to an account in Switzerland held in CHF.

Payment scheme	Counterparty requirements	Counterparty IBAN	Counterparty Account number	Counterparty Routing type	Counterparty Routing number
Swiss account-to-account	IBAN (account number available, opt for IBAN)	21 characters	❌ No	❌ No	❌ No

Iceland

Domestic payments in Iceland must be initiated from/to an account in Iceland held in ISK.

Payment scheme	Counterparty requirements	Counterparty IBAN	Counterparty Account number	Counterparty Routing type	Counterparty Routing number
Icelandic account-to-account	IBAN	26 characters	❌ No	❌ No	❌ No

Australia

Domestic payments in Australia must be initiated from/to an account in Australia held in AUD.

Payment scheme	Counterparty requirements	Counterparty IBAN	Counterparty Account number	Counterparty Routing type	Counterparty Routing number
Australian account-to-account	Account number + routing number	❌ No	6–10 digits	Australian BSB (`AU_BSB`)	6 digits
Australian BPAY (1)	Australian BPAY biller code	❌ No	BPAY biller code: 4–6 digits	❌ No	❌ No

When using BPAY, you must provide the biller code along with any customer reference required by the biller.

When using BPAY, you must provide the biller code along with any customer reference required by the biller.

Israel

Domestic payments in Israel must be initiated from/to an account in Israel held in ILS.

Payment scheme	Counterparty requirements	Counterparty IBAN	Counterparty Account number	Counterparty Routing type	Counterparty Routing number
Israel account-to-account	IBAN	23 characters	❌ No	❌ No	❌ No

Singapore

Domestic payments in Singapore must be initiated from/to an account in Singapore held in SGD.

Payment scheme	Counterparty requirements	Counterparty IBAN	Counterparty Account number	Counterparty Routing type	Counterparty Routing number
Singapore account-to-account	Account number + routing number	❌ No	7–11 digits	Singapore IBG (`SG_IBG`)	7 digits

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Note: Singapore’s equivalent of a routing number is a 7-digit number composed of:

Bank Code (4 digits) – Identifies the bank.

Branch Code (3 digits) – Identifies the branch.

Bulgaria

Domestic payments in Bulgaria must be initiated from/to an account in Bulgaria held in BGN.

Payment scheme	Counterparty requirements	Counterparty IBAN	Counterparty Account number	Counterparty Routing type	Counterparty Routing number
Bulgarian account-to-account	IBAN (account number available, opt for IBAN)	22 characters	❌ No	❌ No	❌ No

Mexico

Domestic payments in Mexico must be initiated from/to an account in Mexico held in MXN.

Payment scheme	Counterparty requirements	Counterparty IBAN	Counterparty Account number	Counterparty Routing type	Counterparty Routing number
Mexican account-to-account	Account number + routing number	❌ No	18 digits (CLABE)	Mexican ABM (`MX_ABM`)	3 digits (bank code) or 6 digits if using full CLABE code

South Korea

Domestic payments in South Korea must be initiated from/to an account in South Korea held in KRW.

Payment scheme	Counterparty requirements	Counterparty IBAN	Counterparty Account number	Counterparty Routing type	Counterparty Routing number
Korean account-to-account	Account number + routing number	❌ No	10–14 digits	South Korean Bank Code (`KR_BOK`)	3 digits (bank identifier code)

Thailand

Domestic payments in Thailand must be initiated from/to an account in Thailand held in THB.

Payment scheme	Counterparty requirements	Counterparty IBAN	Counterparty Account number	Counterparty Routing type	Counterparty Routing number
Thai account-to-account	Account number + routing number	❌ No	9–12 digits	Thai Bank Code (`TH_CBC`)	3 digits (bank identifier)

Canada

Domestic payments in Canada must be initiated from/to an account in Canada held in CAD.

Payment scheme	Counterparty requirements	Counterparty IBAN	Counterparty Account number	Counterparty Routing type	Counterparty Routing number
Canadian Lynx credit transfer	Account number + routing number	❌ No	7–12 digits	Canadian routing (`CA_CPA`)	8 digits
Canadian ACSS credit transfer	Account number + routing number	❌ No	7–12 digits	Canadian routing (`CA_CPA`)	8 digits

Poland

Domestic payments in Poland must be initiated from/to an account in Poland held in PLN.

Payment scheme	Counterparty requirements	Counterparty IBAN	Counterparty Account number	Counterparty Routing type	Counterparty Routing number
Polish account-to-account	IBAN or Account number + routing number	28 characters	16 digits	Polish KNR (`PL_KNR`)	8 digits

International payments

When initiating a cross-border / SWIFT / international payment, additional counterparty account details are required because of the nature of these transfers.

If the counterparty market supports IBAN, provide both IBAN and BIC/SWIFT.
If the counterparty market does not support IBAN, provide the account number, routing number, and BIC/SWIFT.
Some banks require both the payor and payee addresses to be populated. Make sure to add these for both your entity (see Accounts & Entities) and the counterparty (see Counterparties).

Below is a reference table outlining account identifier and routing type requirements for international payments:

Market code	Market	IBAN	Account number	Routing type & name	Routing number	Comment
AT	Austria	20 characters	11 digits	`AT_DLZ` – Austrian Bankleitzahl	5 digits	Use IBAN + BIC
AU	Australia	❌ No	6–10 digits	`AU_BSB` – Australian BSB	6 digits	—
BE	Belgium	16 characters	❌ No	—	—	—
BG	Bulgaria	22 characters	❌ No	—	—	—
CA	Canada	❌ No	7–12 digits	`CA_CPA` – Canadian routing (CPA)	9 digits	Routing consists of transit + institution number. If given as 8 (5+3) digits, prepend a 0.
CH	Switzerland	21 characters	5–12 digits or 9–12 digits	`CH_SIC` – Swiss Bank Clearing `CH_BCC` – Swiss Interbank Clearing	5 or 6 digits	Use IBAN
CN	China	❌ No	14–19 digits	`CN_APS` – Chinese CNAPS	12 digits	—
CZ	Czech Republic	24 characters	❌ No	—	—	—
DE	Germany	22 characters	10 digits	`DE_BLZ` – German Bankleitzahl	8 digits	Use IBAN
DK	Denmark	18 characters	13 digits	—	—	Use IBAN
ES	Spain	24 characters	12 digits	`ES_NCC` – Spanish NCC	8 digits	Use IBAN
FI	Finland	18 characters	❌ No	—	—	—
FR	France	27 characters	❌ No	—	—	—
GB	United Kingdom	22 characters	8 digits	`GB_DSC` – UK Sort Code	6 digits	Use IBAN
GR	Greece	27 characters	16 alphanumeric characters	`GR_BIC` – Greek BIC	7 digits	Use IBAN
HK	Hong Kong	❌ No	9–12 digits	`HK_NCC` – Hong Kong NCC	3–6 digits	—
HR	Croatia	21 characters	10 digits	—	7 digits	Use IBAN
HU	Hungary	28 characters	❌ No	—	—	Use IBAN
IE	Ireland	22 characters	8 digits	`IE_NCC` – Irish NCC	6 digits	Use IBAN
IT	Italy	27 characters	c5n5n routing + 12c account	`IT_NCC` – Italian NCC	c5n5n	Use IBAN
IN	India	❌ No	10–20 digits	`IN_FSC` – Indian FSC	11 digits	—
JP	Japan	❌ No	7 digits	`JP_ZGN` – Japanese Zengin	4 digits	—
LT	Lithuania	20 characters	❌ No	—	—	—
LU	Luxembourg	20 characters	❌ No	—	—	—
MX	Mexico	❌ No	11 digits	`MX_ABM` – Mexican ABM	3 digits	—
NL	Netherlands	18 characters	❌ No	—	—	—
NO	Norway	15 characters	❌ No	—	—	—
NZ	New Zealand	❌ No	—	`NZ_NCC` – New Zealand NCC	—	—
PL	Poland	28 characters	16 digits	`PL_KNR` – Polish KNR	8 digits	Use IBAN
PT	Portugal	25 characters	13 digits	`PT_NCC` – Portuguese NCC	8 digits	Use IBAN
RO	Romania	24 characters	❌ No	—	—	—
SE	Sweden	24 characters	4–12 digits	`SE_SBA` – Swedish Clearing Number	4–5 digits	Example: `ccccaaaaaaa` where c is clearing and a is account digits. If not using IBAN, combine clearing + account as account number.
SG	Singapore	❌ No	7–11 digits	`SG_IBG` – Singapore IBG	7 digits	Routing number = 7 digits (Bank Code 4 + Branch Code 3).
SI	Slovenia	19 characters	10 digits	—	5 digits	Use IBAN
SK	Slovakia	24 characters	❌ No	—	—	—
TH	Thailand	❌ No	—	`TH_CBC` – Thai CBC	—	—
TW	Taiwan	❌ No	—	`TW_NCC` – Taiwanese NCC	—	—
US	United States	❌ No	6–17 digits	`US_ABA` – US Routing (ABA)	—	—
VN	Vietnam	❌ No	—	—	—	—
ZA	South Africa	❌ No	8–11 digits	`ZA_NCC` – South African NCC	6 digits	—