EFT for receivable - Norway & Sweden

I believe EFT is typically used to send payments in the US. Has anyone ever done EFT to pull payments from customer’s bank accounts? I heard that EFT is common in the Scandinavian countries. Maybe because there’s a centralized bank? If you are familiar with doing this can you provide details of what is typically done in NAV? Do you send a flat file to the bank and wait for confirmation file to import into the cash receipts journal? What type of information is necessary to send as a flat file to pull the money?