FAQ

General

Betalo is a payment institution in accordance with the Payment Services Act (2010: 751) and is under the supervision of the Swedish Financial Supervisory Authority.

All communication between Betalo and our customers, as well as between Betalo’s system, is encrypted and protected with a 128-bit Extended Validation SSL certificate. Betalo does not store card data, this is only handled by Nets. Betalo monitors all transactions to detect unusual activity and protect against fraud.

Betalo uses Mobile BankID for secure identification and login.

Betalo is operated in data centers that have been accredited according to PCI – DSS level 1 with limited access and monitoring around the clock. Betalo guards OWASP:s rekommendationer kring de produkter och plattformar vi använder.Är Beta

You can create a Betalo account in our mobile app (available on iPhone and Android). You identify yourself with Mobile BankID.

You must be at least 18 years old to create an account and pay at Betalo. Betalo is currently only offered to customers who are registered in Sweden, have a Swedish social security number and do not have a protected identity.

Betalo accepts all types of debit- and credit cards. Betalo also accepts all Visa, Mastercard and American Express issued in Sweden, Norway, Denmark, Finland, within the EU and outside the EU.

We also have partnership with several of the card issuers.

A partner card is a card issued by a company or organization with which Betalo has a partnership. These card issuers offer their customers to use Betalo for a lower fee or free of charge.

When you add a partner card, the system identifies the partner, and gives you the right fee to use Betalo.

Betalo is a mobile app for iPhone and Android. You can download the app in the App Store and Google Play respectively.

Betalo uses a simple pricing model without fixed fees. The service fee for using a partner card varies from 0% up to 1.9%. The service fee for other cards varies from 1,9% up to 3.4%.

Read more about our fees.

In Betalo’s app, you add your card by clicking on the card icon and adding the card.

You only have to add your card details once.

The card information is stored securely at Nets. Betalo do not store your card details.

The fact that your card is denied usually has nothing to do with Betalo. We therefore ask you to contact your card issuer for questions about this. Feel free to check the terms and conditions that your card issuer has for payments on the internet.

Payments made with Betalo are normally counted as card transactions. However, there are exceptions, which is why we recommend checking this with your card issuer.

All payments you have made can be seen in the app.

Payments made with Betalo generally give bonus points for card programs with bonus systems. However, there are exceptions, which is why we recommend checking this with your card issuer.

The maximum size of payment is determined by the card you use. If you intend to pay for more than SEK 500,000 per year, please let us know.

You can make a direct payment or schedule a payment to be made at a later date. For direct payments, the card will be charged immediately when you register the payment. For scheduled payments, the card will be charged 3 banking days before it is set to arrive at the recipient.

FAQ Paying Bills

Log in with mobile BankID.

Choose the card you want to pay with: Visa, Mastercard or American Express. If you have a partner card, you choose it.

Add information about the recipient. You can pay to Bankgiro and PlusGiro accounts. With Betalo, it is not permitted to pay bills to the Swedish Enforcement Agency, Debt Collection Companies, Banks and Credit Institutions. *

Check your payment details and complete your payment

* Payment is made automatically on the first possible payment day. You can make payments one by one.

You can pay bills to plus and bank giro accounts. Betalo does not offer payments to PG and BG accounts belonging to debt collection companies, the Swedish Enforcement Agency, banks or credit institutions. For example, you can not pay your credit card bill with Betalo.

The money is posted to the recipient’s account on the day specified as the payment date.

Your payment is always posted to the recipient’s account on the payment date.

In your payment history, the status of the payment changes from ”handled” / ”ongoing” to ”paid” at 10.00 the day after the payment date.

If you want to cancel a payment, contact our customer service no later than 5 pm on the banking day before the payment date.

You can pay your e-faktura with Betalo. What you need to do is take the information from the e-invoice and instead register it on Betalo. Then you remove the e-invoice from your bank.

At present, you can unfortunately not receive the e-faktura directly to Betalo, but this is something we intend to offer in the future

Betalo does not offer direct debit as this is a bank-specific product.

The earliest payment date will be 3 banking days, regardless of card type.

You can make a direct payment or schedule a payment to be made at a later date. For direct payments, the card will be charged immediately when you register the payment. For scheduled payments, the card will be charged 3 banking days before it is set to arrive at the recipient.

FAQ Transfer To Swedish Bank Accounts.

Log in with mobile BankID.

Add a card as a source of payment. If you have already added one or more cards, select one of them. Betalo accepts all cards from Visa and Mastercard. American Express cannot be used to send money to a Swedish bank account.

Add payment details, such as account number and message. You can send money to Swedish bank accounts. *

Check that the information is correct and complete the payment.

* Payment is made automatically on the first possible payment day. You can make payments one by one.

You can make a direct payment or schedule a payment to be made at a later date. For direct payments, the card will be charged immediately when you register the payment. For scheduled payments, the card will be charged 3 banking days before it is set to arrive at the recipient.

Swedbank

If you are going to make a transfer to a Swedbank account, with a 5-digit clearing number starting with 8, you need to enter a total of 15 digits. If you have an account number that is shorter than 15 digits, you need to fill in the zeros between the clearing number and the account number.

As an example: the account number you need to send is: 8xxxxxxxxxxxx (ie 13 digits long with an 8 as the leading digit in the clearing number). For it to work with Betalo, you need to write as follows: 8xxxx00xxxxxxxxxx (ie, now two zeros have been added after the clearing number for the total number of digits to be 15).

Nordea

If you are going to make a transfer to a Nordea account that consists of a social security number, it is important that you enter a clearing number before the account number.

The money is posted to the recipient’s account on the day specified as the payment date.

The earliest payment date will be 3 banking days, regardless of card type.

Your payment is posted to the recipient’s account on the payment date.

In your payment history on your Betalo account, the status of the payment changes from ”handled” / ”ongoing” to ”paid” at 10.00 the day after the payment date.

If you want to cancel a transfer, contact our customer service no later than 5 pm on the banking day before the payment date.

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© 2023 Betalo AB (publ). Betalo AB (publ) är ett betalningsinstitut enligt betaltjänstlagen (2010:751) och står under tillsyn av Finansinspektionen.