Supported bank files
This article lists the bank file formats supported by Continia Banking and describes how each format is used for importing and exporting data in Business Central. For details about the file formats supported by a specific bank, see the article for that bank.
View communication settings
You can view the supported file formats for a bank account on the Bank Account Communication Setup page.
To open the Bank Account Communication Setup page for a bank account:
- Search
for and select Bank Accounts. - Select a bank account to open the Bank Account Card.
- On the action bar select Related > Communication Setup.
- On the Bank Account Communication Setup page, you can:
- View supported file types for each transaction type.
- Enable or disable individual file types In the Enabled column.
- Choose Direct or Manual as the transfer method In the Transfer column.
Note
Some banks require additional subscriptions or services for certain file types. Contact your bank for details about their requirements for file transfers.
Supported files
The following table lists the file formats supported by Continia Banking. Select a file format for more information.
| File format1 | Used for |
|---|---|
| ISO PAIN.001 | Sending payments from the Payment Journal. |
| ISO PAIN.002 (first edition) | Importing payment status from the bank into the payment journal. |
| ISO PAIN.002 (second edition) | Importing payment line status updates. |
| ISO PAIN.008 | Sending SEPA Direct Debit collections. |
| ISO CAMT.052 | Updating payment statuses into the payment journal. |
| ISO CAMT.053 Standard | Importing and reconciling bank statements. |
| ISO CAMT.053 Extended | Importing and reconciling bank statements with extended information. |
| ISO CAMT.054D | Importing confirmations for outgoing payments. |
| ISO CAMT.054C | Importing customer payments into the cash receipt journal. |
| ISO CAMT.054 | Importing payments into the cash receipts journal and update status in the payment journal. |
| PSD2 API | Sending payments and importing bank statements. |
| MT940 | Importing end-of-day bank account statements. |
| PBS-sector | Importing NETS PBS FIK (DK) customer payments. |
- One file order per account per day applies to all file orders.
ISO PAIN.001 and ISO PAIN.002 (first edition)
The ISO PAIN.001 payment file is either:
- Sent automatically to the bank via Continia Banking Transmit (direct communication), or
- Exported manually for upload to the bank (manual communication).
After receiving the payment file, the bank returns an ISO PAIN.002 status file in two editions:
- First edition: Confirms receipt and validation of the payment file.
- Second edition: Provides validation results for each payment line.
Continia Banking automatically imports the first edition after a successful direct transfer. The second edition is imported when you select Update Status in the payment journal.
Status field updates in the payment journal:
- Exported to file - payment exported manually; final status for manual communication.
- Sent to online - payment sent via direct communication and being processed.
- Sent to bank - payment transmitted from online to the bank.
- Rejected - payment rejected by the bank; use Payment File Errors to identify and resolve issues.
ISO PAIN.002 (second edition)
The second edition of ISO PAIN.002 is sent by the bank after validating each payment line. When you select Update Status in the payment journal, Continia Banking imports this file if available.
Status field updates:
- Awaiting - payment awaiting approval from a second approver in the bank.
- Rejected - payment rejected by the second approver or the bank; use Payment File Errors or contact the approver.
- Paid - payment successfully completed by the bank.
ISO PAIN.008
Used for SEPA Direct Debit collections when exporting Direct Debit Collection Entries to the bank. Available only in the DACH region.
ISO CAMT.052
Provides intraday account information for near real-time status updates. Commonly used by banks that do not send ISO PAIN.002 (second edition).
When you select Update Status in the payment journal, Continia Banking automatically imports this file if available (manual import also possible). Updates the Status field similar to ISO PAIN.002 (second edition).
Additional benefits:
- Payment date change - automatically updates the payment line to prevent incorrect posting dates.
- Amount adjusted - updates for currency differences and exchange rates, ensuring accurate LCY amounts and easier reconciliation.
ISO CAMT.054D
Final confirmation of outgoing payments (debits), also known as DEBMUL. Includes completed payments and exchange rate adjustments.
Imported automatically when you select Update Status in the payment journal. Updates the Status field similar to ISO PAIN.002 (second edition).
Additional benefits:
- Payment date change - prevents incorrect posting dates.
- Amount adjusted - reflects currency differences and exchange rates for accurate LCY amounts.
ISO CAMT.054C
Final confirmation of incoming customer payments (credits), including manual transfers and OCR payments (FIK, GIK, KID, etc.). The file must include detailed payment information; summary files are not supported.
Imported automatically when you select Import Payments in the cash receipts journal (manual import also possible).
Tip
Import ISO CAMT.054C before ISO CAMT.053 for better matching of payments to invoices.
ISO CAMT.054
Can include both:
- Status updates for the payment journal, and
- Customer payment details for the cash receipts journal.
Continia Banking automatically allocates data to the correct journal. For details, see CAMT.054D (payment journal) and CAMT.054C (cash receipts journal).
ISO CAMT.053 Standard and Extended
The ISO CAMT.053 file provides a detailed bank account statement for the previous day, including deposits, withdrawals, and associated notifications. This information helps Continia Banking accurately match entries and invoices and set correct posting descriptions during reconciliation.
Bank account statement types:
ISO CAMT.053 Standard
- Standard statement offered by most banks.
- Includes detailed information on all entries booked to your account for the previous day.
- May require manual matching of deposits if notification details are missing.
- Recommended for customers with few deposits.
ISO CAMT.053E Extended
- Extended statement offered by some banks.
- Includes structured and detailed information on all entries, with extended deposit and withdrawal details.
- Recommended over the standard version if available.
Used for:
- When creating a Bank Account Reconciliation in Business Central, pressing Import and Match prompts Continia Banking to search for and import the file automatically. Manual import is also possible.
- The ISO CAMT.053 file helps reconcile bank entries in Business Central with the bank's account statements and create new entries for transactions not registered in Business Central.
Importing ISO CAMT.053 includes:
- Matching withdrawals created with Continia Banking using Transaction ID.
- Matching new withdrawals not created with Continia Banking using posting rules for fixed expenses.
- Importing new deposits from manual transfers, matching entries in Business Central, and creating cash receipt lines ready for posting.
- Importing new deposits from OCR payments, matching entries in Business Central, and creating cash receipt lines ready for posting.
Not used for:
- Updating the status of outgoing payments in the payment journal. For manual communication, these statuses must be updated manually.
Tip
Ordering ISO CAMT.053E usually eliminates the need for ISO CAMT.054C files, as it contains all payment information. However, it must be ordered daily to capture all new payments. You still need ISO CAMT.054D because ISO CAMT.053E cannot update the status of outgoing payments in the payment journal.
PSD2 API
The PSD2 directive does not define specific requirements for file formats or security protocols. For integration details, contact your PSD2 service provider.
MT940
MT940 is a SWIFT format used for end-of-day bank account statements.
What’s in the file:
- A detailed description of all transactions from the previous day.
- One file per account.
For example, you can use MT940 with Nordea via direct communication. To activate this:
- Open the individual bank account(s) you want to configure for MT940 and on the action bar, click Related > Communication Setup.
- Ensure MT940 is activated and deactivate other account statement types for that account. If you cannot make this change, contact Continia Support for assistance.