Betalo provides secure online payment solutions, including bills, wire transfers and banking services.
Betalo is a payment institution under the Payment Services Act (2010:751) and is supervised by the Financial Supervisory Authority. All communications between Betalo and our customers, as well as between Betalo's systems, are encrypted and protected with 128-bit Extended Validation SSL certificates. Betalo does not store card data, but this is handled solely by Nets. Betalo monitors all transactions to detect unusual activity and protect against possible fraud.
Betalo uses Mobile BankID and BankID for secure authentication and login.Betalo is operated in data centers that have been accredited according to PCI — DSS level 1 with limited access and 24/7 monitoring. Betalo monitors OWASP's recommendations regarding the products and platforms we use.
You can create a Betalo account in our mobile app (available on iPhone and Android). You authenticate with Mobile Bankid.You must be at least 18 years old to create an account and pay at Betalo. Betalo is currently offered only 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 cards, i.e. debit/debit cards, debit cards 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 partnerships with several 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 at a lower fee or no fee at all.
When you add a partner card, the system automatically recognizes which one it is, and gives you the right fee for using Betalo.
Go to the Payments tab click on your payment. After that, click on the receipt icon in the upper right corner. If you want to download the receipt, click on the download icon in the upper right corner. The receipt is downloaded as a PDF, you can then email the receipt to yourself or choose to print it.
Yes, Betalo offers push notifications.
iOS: Go to Settings > Notifications > Pay and turn on “Allow Notifications”.
Android: Go to Settings > Apps & Notifications > Pay > Notifications and enable the notifications you want.
Yes, you can name your cards. You will be prompted to do this when you add the card to the app. You can also do it afterwards by clicking on the three dots in the upper right corner of the card and selecting “change name”.
Betalo is a mobile app for iPhone and Android. You can download the app in the App Store and Google Play.
Betalo uses a simple pricing model with no fixed fees. The service fee for using a partner card ranges from 0% up to 1.9%. The service charge for other cards ranges from 2.9% to 3.9%.
In the Betalos app, add your card by first clicking on the card icon. After clicking on the card icon, click on the plus sign in the upper right corner. Then fill in your card details. Click register and then confirm with 3D Secure.Your card details are securely stored with Nets. Betalo never stores your card details.
The fact that your card is declined usually has nothing to do with Betalo. We therefore ask you to contact your card issuer for any questions regarding this. Please check the terms and conditions that your card issuer has for online payments.
Payments made with Betalo are normally counted as card transactions. However, there are exceptions, which is why we recommend checking this with the card issuer.
All payments you have made can be seen in the app under the Payments tab.
Payments made with Betalo generally give bonus points on card programs with bonus systems. However, there are exceptions, which is why we recommend checking this with the card issuer.
The possible amount of payments is determined by the card you use and your own credit limit. If you intend to pay more than SEK 500,000 per year, please let us know at info@betalo.se.
You can either make a direct payment or schedule the payment to be made at a later date. In the case of direct payment, the card will be charged immediately when you register the payment.
If you schedule the payment, the card will be charged approximately 3 days before the date the payment is due to reach the recipient. To make a direct payment, select the payment date “Now”.
Please note that we cannot guarantee that your card will be charged on a specific date if you choose to schedule your payment. For promotional offers such as double points weekends, we recommend that you manually enter the app and enter your payments with payday “Now”.
1: Log in to the app.
2: Click the plus icon
3: Select “Pay a bill”
4: Choose the card you want to pay with: Visa, Mastercard or American Express. If you have a partner card, choose it.
5: Fill in the recipient's details
6: Click on the green check mark in the right corner
7: Review the data you entered
8: Accept payment by clicking the green check mark again and authorize with 3D SecureYou can pay into Bankgiro and Plusgiro accounts. With Betalo, it is not allowed to pay bills to the Swedish Enforcement Authority, Debt Collection Companies, Banks and Credit Institutions. **
The payment is made automatically on the first possible day of payment. You can make payments one by one.
You can pay bills to plus and bank debit accounts. Betalo does not offer payments to PG and BG accounts belonging to debt collection companies, the Swedish Enforcement Authority, banks or credit institutions. For example, you cannot pay your credit card bill with Betalo.
The money is posted to the recipient's account on the day specified as the date of payment.
Your payment is always posted to the recipient account on the day of payment. In your payment history, the status of the payment changes from “processed”/“pending” to “paid”.
If you wish to cancel a payment, please contact our customer service no later than 16:45 on the business day prior to the payment date.
You can pay your e-invoice at Betalo. What you need to do is take the data from the e-invoice and instead register it on Betalo. After that, you remove the e-invoice from your bank.Unfortunately, at the moment you cannot get the e-invoice directly to Betalo, but this is something we intend to offer in the future
Betalo does not offer direct debit as this is a specific product.
The earliest payment date is about 3 business days for payments over 3000 and 1 banking day for payments under 3000 SEK regardless of card type.
You can either make a direct payment or schedule the payment to be made at a later date. In the case of direct payment, the card will be charged immediately when you register the payment.If you schedule the payment, the card will be charged approximately 3 days before the date the payment is due to reach the recipient. To make a direct payment, select the payment date “Now”. Please note that we cannot guarantee that your card will be charged on a specific date if you choose to schedule your payment. For promotional offers such as double points weekends, we recommend that you manually enter the app and enter your payments with payday “Now”.
1: Log in to the app.
2: Click the plus icon
3: Select “Send to bank account”
4: Choose the card you want to pay with: Visa or Mastercard. American Express cannot be used to send money to a Swedish bank account.
5: Fill in the recipient's details such as account number and message..
6: Click on the green check mark in the right corner
7: Review the data you entered
8: Accept payment by clicking the green check mark again and confirm with 3D Secure* The transfer will be carried out automatically on the first possible day of payment. You can make transfers one by one.
You can either make a direct payment or schedule the payment to be made at a later date. In the case of direct payment, the card will be charged immediately when you register the payment. If you schedule the payment, the card will be charged 3 days before the date the payment is due to reach 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 will need to enter a total of 15 digits. If you have an account number shorter than 15 digits, you need to fill in the zeros between the clearing number and the account number.
For example: the account number you are going to send is: 8xxxxxxxxxxxx (ie 13 digits long with an 8 as the leading digit of the clearing number). For it to work with Betalo, you need to write like this: 8xxxx00xxxxxxxx (ie, now two zeros are added after the clearing number to make the total number of digits 15).
Nordea
If you are going to make a transfer to a Nordea account consisting 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 date of payment.
The earliest payment date is about 3 business days for payments over SEK 3000 and 1 banking day for payments under SEK 3000 regardless of card type.
Your payment will be posted to the recipient account on the day of payment. In your payment history in your Betalo account, the payment status changes from “processed”/“pending” to “paid”.
If you wish to cancel a transfer, please contact our customer service no later than 16:45 on the business day prior to the payment date.