Getting paid in Sweden runs on fixed rules: payment terms on the invoice, an OCR reference with a check digit, and the law on interest and reminder fees. For a service company with many small invoices, the work lies less in sending them than in knowing which have been paid, which are late, and what you may add to the ones that are.
The posts below cover that stretch from due date to money in the account. One explains payment terms and late-payment interest, which is the Riksbank's reference rate plus eight percentage points. Another sets out the reminder timeline and the fee ceilings, 60 kr for a reminder and 180 kr for a collection notice. The third shows how the Luhn check digit on an OCR reference catches mistyped payments, and why a credit note carries no OCR reference at all.
In Closepact's invoicing module a bank statement can be imported and matched: only an OCR match to exactly one open invoice posts by itself, and the rest are proposals for a person to approve. The ROT or RUT share sits on its own receivable, so the ageing report does not chase Skatteverket as if it were a customer. The guide to invoicing in Sweden has the full rules.
- Invoicing
Payment terms and late-payment interest, counted the way the law counts days
Thirty days is a default, not a rule. Dröjsmålsränta is referensräntan plus eight points, and the referensränta moves twice a year — which is why shipping a default rate is the one thing you must not do.
Aug 18, 2026 · 8 min
- Invoicing
Reminders, collection notices and what you may actually charge
Sixty kronor for a påminnelse and 180 for an inkassokrav are ceilings, not entitlements. Here is the timeline, the arithmetic on a real letter, and why level three is never sent by a schedule.
Aug 6, 2026 · 9 min
- Invoicing
OCR references and bankgiro numbers: the check digit that does the work
A Luhn digit on the end of the invoice number is what lets a bank refuse a mistyped payment at the counter and a machine match the rest. Here is the arithmetic, and what the check digit does not promise.
Jul 23, 2026 · 8 min