2025:1 Riksbank's Regulations on Reporting Payment Statistics

Riksbank's Legal Gazette
ISSN 0349-8344
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Published for printing on July 3, 2025

Riksbank's Regulations on Reporting Payment Statistics Decided on June 25, 2025

The Riksbank prescribes the following with support from Chapter 13, Section 1, Paragraph 11 of the Act (2022:1568) on the Riksbank.

Scope of Application and Definitions

Section 1 These regulations apply to payment service providers and payment system operators domiciled in Sweden, and to foreign payment service providers with a branch in Sweden.

Section 2 Terms and expressions in these regulations have the same meaning as in Chapter 1, Sections 3 and 4 of the Act (2010:751) on Payment Services and Chapter 1, Section 2 of the Act (2011:755) on Electronic Money, unless otherwise stated. Additionally, the following is meant:

Reporting Obligations for Payment Service Providers

Information to be Reported

Section 3 A payment service provider shall provide information on attributes according to Annex 1 regarding the following items.

1. Immediate account transfers
2. Payment transfers
3. Card-based payment transactions
4. Cash withdrawals from ATMs
5. Cash payments at a POS terminal
6. Cash deposits in ATMs
7. Direct debits (Autogireringar)
8. Money transfers
9. Payment transactions with electronic money

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10. Payment initiation services
12. OTC cash withdrawals
13. Cards
14. Payment accounts
15. POS terminals
16. Card terminals for electronic money

The items in the first paragraph, items 2–17, are defined according to Annex II of the ECB's Statistical Regulation. Items 1–6 shall be reported for each individual payment transaction, and items 7–17 on an aggregated level.

How Often Reporting Should Occur

Section 4 Reporting according to

Section 5 The Riksbank may stipulate that a payment service provider, instead of reporting according to Section 4, may report

according to Section 3, items 1–12, every calendar quarter if the payment service provider is part of the group of payment service providers whose total value per payment service, as specified in Section 3, items 1–12, exceeds 5 percent but not 15 percent of the total value per calendar year for all payment service providers, or

Time of Reporting

Section 6 A payment service provider that reports every calendar week shall do so no later than the fourth banking day following the calendar week that the reporting concerns.

A payment service provider that reports every calendar month shall do so no later than the ninth banking day in the month following the month that the reporting concerns.

Reporting Obligations for Payment System Operators

Information to be Reported

Section 7 A payment system operator shall provide information on attributes according to Annex 2 regarding the following items.

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1. Direct participants
2. Indirect participants
3. Card-based payment transactions
4. Payment transfers
5. Direct debits (Autogireringar)
6. Payment transactions with electronic money
7. Cash deposits in ATMs
8. OTC cash deposits
9. Cash withdrawals from ATMs
10. OTC cash withdrawals
11. Cash payments at a POS terminal

How Often Reporting Should Occur

Section 8 Reporting according to Section 7 shall occur every calendar quarter.

Time of Reporting

Section 9 A payment system operator shall report no later than the last banking day in the month following the quarter that the reporting concerns.

Correction and Verification of Submitted Information

Section 10 If the Riksbank discovers that incorrect or incomplete information has been submitted, an information provider, upon request by the Riksbank, shall provide corrections for up to two years back from the reporting time.

Section 11 Upon request by the Riksbank, an information provider shall promptly verify and explain significant changes and deviating values in the reporting.

How Reporting Should Be Conducted

Section 12 Reporting shall be made to the Riksbank in electronic form in the manner specified by the Riksbank.

Contact Information

Section 13 An information provider shall notify the Riksbank of the contact person or contact function and contact details for these. If these details change, the Riksbank shall be notified of this.

Exemptions from the Regulations

Section 14 The Riksbank may decide on exemptions from these regulations if there are special reasons.

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1. These regulations enter into force on October 1, 2026.
2. The provisions concerning reporting for the item in Section 3, item 2, apply from and including October 1, 2027.

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Annex 1 Attribute Lists for Payment Service Providers

Table 1. The items in Section 3, items 1–12

Attribute Description
Number of transactions Number of transactions included in each respective aggregate.
Payment scheme A payment scheme is a set of formal, standardized, and common rules that make it possible to transfer value between end-users using an electronic payment instrument. The scheme is administered by a governing body. Payment type Refers to which of the items according to Section 3, items 1–12, the reporting concerns. Payment service provider's role in the transaction Refers to whether the transaction is reported from the payer's or payee's payment service provider. Distance/non-distance Refers to whether the transaction is initiated remotely or not. Merchant's location Refers to the country where the payment transaction is executed at a physical payment terminal with a card. For card-based transactions initiated remotely, the country is the location where the merchant is situated. Initiation channel Refers to a service to initiate a payment order at the request of the payment service user. Initiation country Refers to the payer's home country. Contact/contactless A payment transaction that occurs with contact is, for example, when the cardholder inserts the card into the POS terminal or pays by swiping the card's magnetic stripe in the terminal. A payment transaction that occurs contactlessly is a payment transaction using a card or other means where the payer and merchant (and/or their equipment) are located at the same physical place and where communication between the portable device and the sales outlet occurs using contactless technology. MCC code A four-digit code used to classify companies based on the goods or services they provide. Counterparty country The payer's payment service provider indicates the home country of the payee's payment service provider. The payee's payment service provider indicates the home country of the payer's payment service provider. PISP initiated transaction Refers to what type of payment has been initiated. Post location The post location where the cash withdrawal or cash deposit took place. SNI code Refers to industry classification at the 5-digit level when companies are payees. Transaction cleared Date when the transaction is cleared. Transaction initiated Local time (merchant's timestamp) when the transaction is initiated, can be rounded to the full hour. Transaction amount in account currency The value of the transaction in account currency. The amount that debits the account (or card). Transaction amount in transaction currency The value of the transaction or transactions in the transaction currency. Transaction date Date when the customer's account is debited or credited. Transaction time Time when the payer's or payee's account is debited or credited, can be rounded to the full hour.

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Transaction type Refers to what type of card transaction is reported.
Type of payment service user Refers to a physical or legal person utilizing a payment service as a payer, payee, or both. Type of card Refers to what type of card it is and whether it is, for example, a debit or credit card. Account currency currency code Currency code for the account currency. Transaction currency currency code Currency code for the transaction currency.

Table 2. Matrix of which attributes should be reported for the transaction-based items in Section 3, items 1–6

With M in the table below is meant that the attribute should only be reported for received/arriving transactions. With S is meant that the attribute should only be reported for sent/departing transactions.

Attribute Item 1. Item 2. Item 3, 4 and 5. Card Issuer Item 3 and 5. Card Acquirer Item 4 and 6. Payment service providers who own ATMs Payment type X Payment service provider's role in the transaction X Counterparty country X Transaction amount in transaction currency X Transaction currency currency code X Transaction amount in account currency S X Account currency currency code S X Transaction initiated X X Transaction cleared X X Transaction time X Transaction date X X Type of payment service user X SNI code M M Transaction type X* X* Merchant's location X Post location X Initiation channel S S X X Distance/non-distance S S X X Contact/contactless X X Payment scheme X Type of card X X MCC code X X

• Transaction type is reported only for item 3, not for item 4 or 5

Table 3. Matrix of which attributes should be reported for the aggregated items in Section 3, items 7–12

With S in the table below is meant that the attribute should only be reported for sent/departing transactions.

Attribute Item 7. Item 8. Item 9. Item 10. Item 11–12.
Payment type X
Transaction amount in transaction currency X
Transaction currency currency code X
Number of transactions X
Payment service provider's role in the transaction X X Counterparty country X Transaction date X Type of payment service user X PISP initiated transaction X Initiation country S X Initiation channel X S Distance/non-distance S X

Table 4. The items in Section 3, items 13–17

Attribute Description
Number Refers to the number of terminals (ATMs, POS, and e-money terminals) owned by payment service providers, as well as the number of issued cards and payment accounts by the payment service providers. Payment scheme A payment scheme is a set of formal, standardized, and common rules that make it possible to transfer value between end-users using an electronic payment instrument. The scheme is administered by a governing body. E-money functions Refers to what e-money functions the card has. Merchant's location Refers to the country where the terminal (ATMs, POS, and e-money terminals) is located. Contact/contactless function Refers to whether terminals accept contact and/or contactless transactions. Refers to whether the card has contact and/or contactless function. Card functionality Refers to the card's functionalities which are payment, e-money, and/or cash functionality. Item Refers to which of the other items according to Section 3, items 13–17, the reporting concerns. Terminal functionality Refers to what functions POS terminals, ATMs, and e-money terminals have. Type of payment account Refers to what type of payment account it is, whether the account is a payment account or e-money account. Type of payment service user Refers to a physical or legal person utilizing a payment service as a payer, payee, or both. Type of card Refers to what type of card it is and whether it is, for example, a debit or credit card.

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Table 5. Matrix of which attributes should be reported for the aggregated items in Section 3, items 13–17

Attribute Item 13. Item 14. Item 15. Item 16. Item 17.
Item X
Number X
Type of payment service user X X
Merchant's location X
Terminal functionality X
Contact/contactless function X
Payment scheme X
Type of card X
Card functionality X
E-money functions X
Type of payment account X

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Annex 2 Attribute Lists for Payment System Operators

Table 1. The items in Section 7, items 1–2

Attribute Description
Number The number of direct and indirect participants in the payment system.
Payment system Name of the payment system.\nParticipant sector Institutional sector of the participant.
Type of participant Defines whether it is a direct or indirect participant in the payment system.

Table 2. The items in Section 7, items 3–11

Attribute Description
Number Number of transactions processed in the payment system.
Payment system Refers to the name of the payment system. A payment system is a system for transferring funds with formal and standardized procedures and common rules for processing, clearing, and/or settlement of payment transactions. Payment type Type of transaction according to Section 7, items 3–11. Counterparty country Transactions across borders shall be distinguished from domestic transactions and reported based on where the sending and receiving participants are domiciled. The transactions shall be distributed to individual countries. Type of information Indicates whether the information concerns transactions processed through a payment system or if it is concentration degree. Value Specified in SEK and is the value of the transactions processed in the payment system.